Authority and Soft Information Production within a Bank Organization
Author
Abstract
Suggested Citation
Download full text from publisher
References listed on IDEAS
- benvenuti, m. & casolaro, l. & del prete, s. & mistrulli, p. e., 2010. "Loan Officer Authority and Small Business Lending.Evidence from a survey," MPRA Paper 26475, University Library of Munich, Germany.
- NEMOTO Tadanobu & OGURA Yoshiaki & WATANABE Wako, 2011. "Report on a Fact-Finding Survey of the Credit-Decision System and Loan Pricing in Small Business Financing in Japan," Discussion papers 11053, Research Institute of Economy, Trade and Industry (RIETI).
- Patrick Bolton & Mathias Dewatripont, 1994.
"The Firm as a Communication Network,"
The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 109(4), pages 809-839.
- Mathias Dewatripont & Patrick Bolton, 1994. "The firm as a communication network," ULB Institutional Repository 2013/9595, ULB -- Universite Libre de Bruxelles.
- Mathias Dewatripont & Patrick Bolton, 1996. "The firm as a communication network," ULB Institutional Repository 2013/9597, ULB -- Universite Libre de Bruxelles.
- Mathias Dewatripont & Patrick Bolton, 2004. "The firm as a communication network," ULB Institutional Repository 2013/9599, ULB -- Universite Libre de Bruxelles.
- Albareto, Giorgio & Benvenuti, Michele & Mocetti, Sauro & Pagnini, Marcello & Rossi, Paola, 2011.
"The Organization of Lending and the Use of Credit Scoring Techniques in Italian Banks,"
Journal of Financial Transformation, Capco Institute, vol. 32, pages 143-158.
- Albareto, Giorgio & Benvenuti, Michele & Mocetti, Sauro & Pagnini, Marcello & Rossi, Paola, 2011. "The Organization of Lending and the Use of Credit Scoring Techniques in Italian Banks," Journal of Financial Transformation, Capco Institute, vol. 32, pages 143-168.
- Aghion, Philippe & Tirole, Jean, 1997.
"Formal and Real Authority in Organizations,"
Journal of Political Economy, University of Chicago Press, vol. 105(1), pages 1-29, February.
- Philippe Aghion & Jean Tirole, 1994. "Normal and Real Authority in Organizations," Working papers 94-13, Massachusetts Institute of Technology (MIT), Department of Economics.
- Aghion, Philippe & Tirole, Jean, 1994. "Formal and Real Authority in Organizations," IDEI Working Papers 37, Institut d'Économie Industrielle (IDEI), Toulouse.
- Aghion, Philippe & Tirole, Jean, 1997. "Formal and Real Authority in Organizations," Scholarly Articles 4554125, Harvard University Department of Economics.
- Philippe Aghion & Jean Tirole, 1994. "Formal and Real Authority in Organizations," Working papers 95-8, Massachusetts Institute of Technology (MIT), Department of Economics.
- Degryse, Hans & Van Cayseele, Patrick, 2000.
"Relationship Lending within a Bank-Based System: Evidence from European Small Business Data,"
Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 90-109, January.
- Hans Degryse & Partick Van cayseele, 1998. "Relationship Lending within a Bank-based System: Evidence from European Small Business Data," Working Papers of Department of Economics, Leuven ces9816, KU Leuven, Faculty of Economics and Business (FEB), Department of Economics, Leuven.
- Berger, Allen N. & Udell, Gregory F., 2006. "A more complete conceptual framework for SME finance," Journal of Banking & Finance, Elsevier, vol. 30(11), pages 2945-2966, November.
- Allen N. Berger & Gregory F. Udell, 2002.
"Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure,"
Economic Journal, Royal Economic Society, vol. 112(477), pages 32-53, February.
- Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.).
- Uchida, Hirofumi & Udell, Gregory F. & Watanabe, Wako, 2008.
"Bank size and lending relationships in Japan,"
Journal of the Japanese and International Economies, Elsevier, vol. 22(2), pages 242-267, June.
- Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2008. "Bank Size and Lending Relationships in Japan," NBER Chapters, in: Organizational Innovation and Firm Performance, pages 242-267, National Bureau of Economic Research, Inc.
- Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Bank Size and Lending Relationships in Japan," Discussion papers 06029, Research Institute of Economy, Trade and Industry (RIETI).
- Hirofumi Uchida & Gregory F.Udell & Wako Watanabe, 2007. "Bank Size and Lending Relationships in Japan," NBER Working Papers 13005, National Bureau of Economic Research, Inc.
- Nicholas Bloom & Raffaella Sadun & John Van Reenen, 2010.
"Does Product Market Competition Lead Firms to Decentralize?,"
American Economic Review, American Economic Association, vol. 100(2), pages 434-438, May.
- Bloom, Nick & Sadun, Raffaella & Van Reenen, John, 2009. "Does product market competition lead firms to decentralize?," LSE Research Online Documents on Economics 51581, London School of Economics and Political Science, LSE Library.
- Nicholas Bloom & Raffaella Sadun & John Van Reenen, 2010. "Does Product Market Competition Lead Firms to Decentralize?," Harvard Business School Working Papers 10-052, Harvard Business School.
- Bloom, Nick & Sadun, Raffaella & Van Reenen, John, 2010. "Does product market competition lead firms to decentralize?," LSE Research Online Documents on Economics 28615, London School of Economics and Political Science, LSE Library.
- Nick Bloom & Raffaella Sadun & John Van Reenen, 2010. "Does Product Market Competition Lead Firms to Decentralize?," CEP Discussion Papers dp0966, Centre for Economic Performance, LSE.
- repec:ner:ucllon:http://discovery.ucl.ac.uk/17678/ is not listed on IDEAS
- Sauro Mocetti & Marcello Pagnini & Enrico Sette, 2017.
"Information Technology and Banking Organization,"
Journal of Financial Services Research, Springer;Western Finance Association, vol. 51(3), pages 313-338, June.
- Sauro Mocetti & Marcello Pagnini & Enrico Sette, 2010. "Information technology and banking organization," Temi di discussione (Economic working papers) 752, Bank of Italy, Economic Research and International Relations Area.
- Berger, Allen N. & Black, Lamont K., 2011. "Bank size, lending technologies, and small business finance," Journal of Banking & Finance, Elsevier, vol. 35(3), pages 724-735, March.
- Wouter Dessein, 2002.
"Authority and Communication in Organizations,"
The Review of Economic Studies, Review of Economic Studies Ltd, vol. 69(4), pages 811-838.
- Wouter Dessein, 2000. "Authority and Communication in Organizations," Econometric Society World Congress 2000 Contributed Papers 1747, Econometric Society.
- Jose M. Liberti & Atif R. Mian, 2009. "Estimating the Effect of Hierarchies on Information Use," The Review of Financial Studies, Society for Financial Studies, vol. 22(10), pages 4057-4090, October.
- Andrew Hertzberg & Jose Maria Liberti & Daniel Paravisini, 2010. "Information and Incentives Inside the Firm: Evidence from Loan Officer Rotation," Journal of Finance, American Finance Association, vol. 65(3), pages 795-828, June.
- Luigi Cannari (editor) & Marcello Pagnini (editor) & Paola Rossi (editor), 2010. "Banks, local credit markets and credit supply," Workshop and Conferences 5, Bank of Italy, Economic Research and International Relations Area.
- Sumit Agarwal & Faye H. Wang, 2009. "Perverse incentives at the banks? Evidence from a natural experiment," Working Paper Series WP-09-08, Federal Reserve Bank of Chicago.
- Uchida, Hirofumi & Udell, Gregory F. & Yamori, Nobuyoshi, 2012.
"Loan officers and relationship lending to SMEs,"
Journal of Financial Intermediation, Elsevier, vol. 21(1), pages 97-122.
- Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2008. "Loan officers and relationship lending to SMEs," Working Paper Series 2008-17, Federal Reserve Bank of San Francisco.
- Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2009. "Loan Officers and Relationship Lending to SMEs," Mo.Fi.R. Working Papers 16, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
- Udell, Gregory F., 1989. "Loan quality, commercial loan review and loan officer contracting," Journal of Banking & Finance, Elsevier, vol. 13(3), pages 367-382, July.
- Boot, Arnoud W. A., 2000. "Relationship Banking: What Do We Know?," Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 7-25, January.
- Petersen, Mitchell A & Rajan, Raghuram G, 1994. "The Benefits of Lending Relationships: Evidence from Small Business Data," Journal of Finance, American Finance Association, vol. 49(1), pages 3-37, March.
- Radner, Roy, 1993. "The Organization of Decentralized Information Processing," Econometrica, Econometric Society, vol. 61(5), pages 1109-1146, September.
Citations
Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Robert Bird & John Knopf, 2015. "The Impact of Local Knowledge on Banking," Journal of Financial Services Research, Springer;Western Finance Association, vol. 48(1), pages 1-20, August.
- Masazumi Hattori & Kohei Shintani & Hirofumi Uchida, 2015. "The Repository of Soft Information within Bank Organizations," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 47(4), pages 737-770, June.
Most related items
These are the items that most often cite the same works as this one and are cited by the same works as this one.- Masazumi Hattori & Kohei Shintani & Hirofumi Uchida, 2015. "The Repository of Soft Information within Bank Organizations," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 47(4), pages 737-770, June.
- Uchida, Hirofumi & Udell, Gregory F. & Yamori, Nobuyoshi, 2012.
"Loan officers and relationship lending to SMEs,"
Journal of Financial Intermediation, Elsevier, vol. 21(1), pages 97-122.
- Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2008. "Loan officers and relationship lending to SMEs," Working Paper Series 2008-17, Federal Reserve Bank of San Francisco.
- Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2009. "Loan Officers and Relationship Lending to SMEs," Mo.Fi.R. Working Papers 16, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
- Sauro Mocetti & Marcello Pagnini & Enrico Sette, 2017.
"Information Technology and Banking Organization,"
Journal of Financial Services Research, Springer;Western Finance Association, vol. 51(3), pages 313-338, June.
- Sauro Mocetti & Marcello Pagnini & Enrico Sette, 2010. "Information technology and banking organization," Temi di discussione (Economic working papers) 752, Bank of Italy, Economic Research and International Relations Area.
- Andrea Bellucci & Alexander Borisov & Alberto Zazzaro, 2016.
"Bank Organization and Loan Contracting in Small Business Financing,"
Mo.Fi.R. Working Papers
118, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
- Andrea Bellucci & Alexander Borisov & Alberto Zazzaro, 2016. "Bank Organization and Loan Contracting in Small Business Financing," IAW Discussion Papers 122, Institut für Angewandte Wirtschaftsforschung (IAW).
- Andrea Bellucci & Alexander Borisov & Alberto Zazzaro, 2016. "Bank Organization and Loan Contracting in Small Business Financing," CSEF Working Papers 424, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
- Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007.
"Distance, Bank Organizational Structure and Credit,"
Other publications TiSEM
34c2f607-3395-4fd9-9c52-4, Tilburg University, School of Economics and Management.
- Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Discussion Paper 2007-018, Tilburg University, Tilburg Law and Economic Center.
- José María Liberti & Mitchell A. Petersen, 2018. "Information: Hard and Soft," NBER Working Papers 25075, National Bureau of Economic Research, Inc.
- Ferri, Giovanni & Murro, Pierluigi, 2015.
"Do firm–bank ‘odd couples’ exacerbate credit rationing?,"
Journal of Financial Intermediation, Elsevier, vol. 24(2), pages 231-251.
- Giovanni Ferri & Pierluigi Murro & Zeno Rotondi, 2010. "Do Firm-Bank `Odd Couples' Exacerbate Credit Rationing?," SERIES 0031, Dipartimento di Economia e Finanza - Università degli Studi di Bari "Aldo Moro", revised Jul 2010.
- Giovanni Ferri & Pierluigi Murro, 2012. "Do Firm-Bank ``Odd Couples'' Exacerbate Credit Rationing?," Working Papers CASMEF 1207, Dipartimento di Economia e Finanza, LUISS Guido Carli.
- Stefano Filomeni & Gregory F. Udell & Alberto Zazzaro, 2016.
"Hardening Soft Information: How Far Has Technology Taken Us?,"
CSEF Working Papers
455, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
- Stefano Filomeni & Gregory F. Udell & Alberto Zazzaro, 2016. "Hardening Soft Information: How Far Has Technology Taken Us?," Mo.Fi.R. Working Papers 121, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
- Marcello Pagnini & Silvia Del Prete & Paola Rossi & Valerio Vacca, 2013. "Lending Organization and Credit Supply During the Crisis," ERSA conference papers ersa13p673, European Regional Science Association.
- Michele Benvenuti & Luca Casolaro & Silvia Del Prete & Paolo Emilio Mistrulli, 2017. "The Right to Decide and the Effective Control Over Small Business Lending Decisions: A Look into Loan Officers’ Real Authority," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 46(2), pages 237-268, July.
- Djedidi-Kooli, Salima, 2009. "L’accès au financement des PME en France : quel rôle joué par la structure du système bancaire ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/8354 edited by Etner, François.
- repec:zbw:bofrdp:2014_022 is not listed on IDEAS
- Hasan, Iftekhar & Jackowicz, Krzysztof & Kowalewski, Oskar & Kozłowski, Łukasz, 2014.
"Bank ownership structure, SME lending and local credit markets,"
Bank of Finland Research Discussion Papers
22/2014, Bank of Finland.
- Hasan, Iftekhar & Jackowicz, Krzysztof & Kowalewski, Oskar & Kozlowski, Lukasz, 2014. "Bank Ownership Structure, SME Lending and Local Credit Markets," Working Papers 14-12, University of Pennsylvania, Wharton School, Weiss Center.
- Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "Loan Officers and Relationship Lending," Discussion papers 06031, Research Institute of Economy, Trade and Industry (RIETI).
- Hasan, Iftekhar & Jackowicz, Krzysztof & Kowalewski, Oskar & Kozlowski, Lukasz, 2014.
"Bank Ownership Structure, SME Lending and Local Credit Markets,"
Working Papers
14-12, University of Pennsylvania, Wharton School, Weiss Center.
- Hasan, Iftekhar & Jackowicz, Krzysztof & Kowalewski, Oskar & Kozłowski, Łukasz, 2014. "Bank ownership structure, SME lending and local credit markets," Research Discussion Papers 22/2014, Bank of Finland.
- Porzio, Claudio & Sampagnaro, Gabriele & Verdoliva, Vincenzo, 2020. "Lost in Translation: The determinants and the effect of soft information dispersion in bank lending," Global Finance Journal, Elsevier, vol. 43(C).
- Silvia Del Prete & Marcello Pagnini & Paola Rossi & Valerio Vacca, 2017. "Lending organization and credit supply during the 2008-09 crisis," Temi di discussione (Economic working papers) 1108, Bank of Italy, Economic Research and International Relations Area.
- Song Zhang & Liang Han & Konstantinos Kallias & Antonios Kallias, 2021. "The value of in-person banking: evidence from U.S. small businesses," Review of Quantitative Finance and Accounting, Springer, vol. 57(4), pages 1393-1435, November.
- Bertrand, Jérémie & Murro, Pierluigi, 2022.
"Firm–bank “odd couples” and trade credit: Evidence from Italian small- and medium-sized enterprises,"
Economic Modelling, Elsevier, vol. 111(C).
- Jérémie Bertrand & Pierluigi Murro, 2022. "Firm–bank “odd couples” and trade credit: Evidence from Italian small- and medium-sized enterprises," Post-Print hal-03703975, HAL.
- Diana Bonfim & Qinglei Dai, 2017.
"Bank Size and Lending Specialisation,"
Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 46(2), pages 329-380, July.
- Diana Bonfim & Qinglei Dai, 2012. "Bank size and lending specialization," Working Papers w201219, Banco de Portugal, Economics and Research Department.
- Loukil Sahar & Jarboui Anis, 2016. "Loan officers and soft information production," Cogent Business & Management, Taylor & Francis Journals, vol. 3(1), pages 1199521-119, December.
More about this item
Keywords
Authority; Soft information; Organizational structure; Banks;All these keywords.
JEL classification:
- D2 - Microeconomics - - Production and Organizations
- D8 - Microeconomics - - Information, Knowledge, and Uncertainty
- L2 - Industrial Organization - - Firm Objectives, Organization, and Behavior
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
NEP fields
This paper has been announced in the following NEP Reports:- NEP-BAN-2012-05-29 (Banking)
- NEP-BEC-2012-05-29 (Business Economics)
Statistics
Access and download statisticsCorrections
All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ime:imedps:12-e-07. See general information about how to correct material in RePEc.
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Kinken (email available below). General contact details of provider: https://edirc.repec.org/data/imegvjp.html .
Please note that corrections may take a couple of weeks to filter through the various RePEc services.