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Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure

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Cited by:

  1. Hakenes, Hendrik & Schnabel, Isabel, 2011. "Bank size and risk-taking under Basel II," Journal of Banking & Finance, Elsevier, vol. 35(6), pages 1436-1449, June.
  2. Luis Araujo & Qingqing Cao & Raoul Minetti & Pierluigi Murro, 2019. "Credit Crunches, Asset Prices and Technological Change," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 32, pages 153-179, April.
  3. Pietro Grandi & Caroline Ninou Bozou, 2023. "Bank Market Power and Access to Credit: Bank-Firm Level Evidence From the Euro Area," Journal of Financial Services Research, Springer;Western Finance Association, vol. 63(1), pages 63-90, February.
  4. Rajkamal Iyer & Asim Ijaz Khwaja & Erzo F. P. Luttmer & Kelly Shue, 2016. "Screening Peers Softly: Inferring the Quality of Small Borrowers," Management Science, INFORMS, vol. 62(6), pages 1554-1577, June.
  5. Valentina Hartarska & Steven B. Caudill & Daniel M. Gropper, 2006. "The Cost Structure Of Microfinance Institutions In Eastern Europe And Central Asia," William Davidson Institute Working Papers Series wp809, William Davidson Institute at the University of Michigan.
  6. Jérémie Bertrand & Paul-Olivier Klein & Jean-Loup Soula, 2022. "Liquidity Creation and Trust Environment," Journal of Financial Services Research, Springer;Western Finance Association, vol. 62(3), pages 201-232, December.
  7. Mathias Hoffmann & Tetsuji Okazaki & Toshihiro Okubo, 2019. "Branch Banking and Regional Financial Markets: Evidence from Prewar Japan," CIGS Working Paper Series 19-001E, The Canon Institute for Global Studies.
  8. AMENDOLA, Adalgiso & BARRA, Cristian & BOCCIA, Marinella & PAPACCIO, Anna, 2018. "Market Structure and Financial Stability: Theory and Evidence," CELPE Discussion Papers 156, CELPE - CEnter for Labor and Political Economics, University of Salerno, Italy.
  9. Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Douglas D. Evanoff, 2016. "Loan Product Steering in Mortgage Markets," NBER Working Papers 22696, National Bureau of Economic Research, Inc.
  10. Giovanni Cerulli & Bianca Potì, 2014. "The Impact of Public Support Intensity on Business R&D: Evidence from a Dose-Response Approach," ERSA conference papers ersa14p625, European Regional Science Association.
  11. Mark Carlson & Kris James Mitchener, 2009. "Branch Banking as a Device for Discipline: Competition and Bank Survivorship during the Great Depression," Journal of Political Economy, University of Chicago Press, vol. 117(2), pages 165-210, April.
  12. Steven Poelhekke & Razvan Vlahu & Vadym Volosovych, 2021. "Corporate Acquisitions and Bank Relationships," Working Papers 726, DNB.
  13. Pietro Grandi & Caroline Ninou Bozou, 2018. "Bank competition and firm credit availability: firm-bank evidence from Europe," Working Papers hal-01897744, HAL.
  14. Ahnert, Toni & Doerr, Sebastian & Pierri, Nicola & Timmer, Yannick, 2022. "Information Technology in Banking and Entrepreneurship," CEPR Discussion Papers 17335, C.E.P.R. Discussion Papers.
  15. Lu, Yao & Zhan, Shuwei & Zhan, Minghua, 2024. "Has FinTech changed the sensitivity of corporate investment to interest rates?—Evidence from China," Research in International Business and Finance, Elsevier, vol. 68(C).
  16. Rodriguez-Garcia, P. & Menéndez-Requejo, S., 2020. "Family Constitution to manage family firms' agency conflicts," MPRA Paper 120016, University Library of Munich, Germany.
  17. Giorgio Gobbi & Francesca Lotti, 2004. "Entry Decisions and Adverse Selection: An Empirical Analysis of Local Credit Markets," Journal of Financial Services Research, Springer;Western Finance Association, vol. 26(3), pages 225-244, December.
  18. Arito Ono & Iichiro Uesugi, 2009. "Role of Collateral and Personal Guarantees in Relationship Lending: Evidence from Japan's SME Loan Market," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(5), pages 935-960, August.
  19. Jiménez, Gabriel & Salas, Vicente & Saurina, Jesús, 2009. "Organizational distance and use of collateral for business loans," Journal of Banking & Finance, Elsevier, vol. 33(2), pages 234-243, February.
  20. Iftekhar Hasan & Krzysztof Jackowicz & Oskar Kowalewski & Łukasz Kozłowski, 2019. "The economic impact of changes in local bank presence," Regional Studies, Taylor & Francis Journals, vol. 53(5), pages 644-656, May.
  21. Shawn Cole & Martin Kanz & Leora Klapper, 2015. "Incentivizing Calculated Risk-Taking: Evidence from an Experiment with Commercial Bank Loan Officers," Journal of Finance, American Finance Association, vol. 70(2), pages 537-575, April.
  22. Robert DeYoung & William Hunter & Gregory Udell, 2004. "The Past, Present, and Probable Future for Community Banks," Journal of Financial Services Research, Springer;Western Finance Association, vol. 25(2), pages 85-133, April.
  23. Hainz, Christa & Dinh, Thanh & Kleimeier, Stefanie, 2011. "Collateral and its Determinants: Evidence from Vietnam," Proceedings of the German Development Economics Conference, Berlin 2011 36, Verein für Socialpolitik, Research Committee Development Economics.
  24. de Haas, Ralph & Lu, Liping & Ongena, S.R.G., 2018. "Clear and Close Competitors? : On the Causes and Consequences of Bilateral Competition between Banks," Other publications TiSEM e9f86045-13c5-49d9-85df-1, Tilburg University, School of Economics and Management.
  25. Pietro Alessandrini & Luca Papi, 2018. "Banche locali e piccole imprese dopo la crisi tra nuove regole e innovazioni digitali," Mo.Fi.R. Working Papers 148, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
  26. Roberto Antonietti & Giulio Cainelli & Monica Ferrari & Stefania Tomasini, 2014. "Banks, industrial relatedness and firms’ investments," Papers in Evolutionary Economic Geography (PEEG) 1402, Utrecht University, Department of Human Geography and Spatial Planning, Group Economic Geography, revised Jan 2014.
  27. Fraisse, Henri & Hombert, Johan & Lé, Mathias, 2018. "The competitive effect of a bank megamerger on credit supply," Journal of Banking & Finance, Elsevier, vol. 93(C), pages 151-161.
  28. Rim Tlili, 2016. "Monitoring, Loan Rates and Threat of Enterprise Liquidation in a Bank Relationship," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 6(5), pages 1-2.
  29. Dirk Czarnitzki & Julie Delanote, 2015. "R&D policies for young SMEs: input and output effects," Small Business Economics, Springer, vol. 45(3), pages 465-485, October.
  30. Andrikopoulos, Panagiotis & Khorasgani, Amir, 2018. "Predicting unlisted SMEs' default: Incorporating market information on accounting-based models for improved accuracy," The British Accounting Review, Elsevier, vol. 50(5), pages 559-573.
  31. Claire Brennecke & Stefan Jacewitz & Jonathan Pogach, 2022. "Shared Destinies? Small Banks and Small Business Consolidation," Research Working Paper RWP 21-19, Federal Reserve Bank of Kansas City.
  32. Jeffrey M. Pollack & Matthew W. Rutherford & Brian G. Nagy, 2012. "Preparedness and Cognitive Legitimacy as Antecedents of New Venture Funding in Televised Business Pitches," Entrepreneurship Theory and Practice, , vol. 36(5), pages 915-939, September.
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  34. Gregory F Udell, 2015. "SME Access to Intermediated Credit: What Do We Know and What Don't We Know?," RBA Annual Conference Volume (Discontinued), in: Angus Moore & John Simon (ed.),Small Business Conditions and Finance, Reserve Bank of Australia.
  35. Daniela Rodica Silivestru(Popescu), 2012. "Bank Loans And Small Firm Financing In Romania," Annales Universitatis Apulensis Series Oeconomica, Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia, vol. 1(14), pages 1-15.
  36. Massimiliano Affinito & Matteo Piazza, 2009. "What Are Borders Made of? An Analysis of Barriers to European Banking Integration," Springer Books, in: Alberto Zazzaro & Michele Fratianni & Pietro Alessandrini (ed.), The Changing Geography of Banking and Finance, edition 1, chapter 9, pages 185-211, Springer.
  37. Qi Zhou & Xiangfeng Chen & Shuting Li, 2018. "Innovative Financial Approach for Agricultural Sustainability: A Case Study of Alibaba," Sustainability, MDPI, vol. 10(3), pages 1-20, March.
  38. Isha Agrawal & Rupa Duttagupta & Mr. Andrea F Presbitero, 2017. "International Commodity Prices and Domestic Bank Lending in Developing Countries," IMF Working Papers 2017/279, International Monetary Fund.
  39. Berger, Allen N., 2007. "Obstacles to a global banking system: "Old Europe" versus "New Europe"," Journal of Banking & Finance, Elsevier, vol. 31(7), pages 1955-1973, July.
  40. Shao, KaiChao & Ma, Ruixue & Kamber, Joseph, 2023. "An in-depth analysis of the entrepreneurship of rural Chinese mothers and the digital inclusive finance," Telecommunications Policy, Elsevier, vol. 47(7).
  41. Amélie Artis & Simon Cornée, 2013. "Transformation informationnelle, certification et intermédiation financière : le cas de la banque solidaire," Economics Working Paper Archive (University of Rennes & University of Caen) 201326, Center for Research in Economics and Management (CREM), University of Rennes, University of Caen and CNRS.
  42. Ran Li & Yiping Huang, 2015. "How Does Financial Opening Affect Industrial Efficiency? The Case of Foreign Bank Entry in the People's Republic of China," Asian Development Review, MIT Press, vol. 32(1), pages 90-112, March.
  43. Berger, Allen N. & Udell, Gregory F., 2004. "The institutional memory hypothesis and the procyclicality of bank lending behavior," Journal of Financial Intermediation, Elsevier, vol. 13(4), pages 458-495, October.
  44. Delgado, J. & Salas, V. & Saurina, J., 2007. "Joint size and ownership specialization in bank lending," Journal of Banking & Finance, Elsevier, vol. 31(12), pages 3563-3583, December.
  45. Hajer El Ouardani, 2009. "Banking and SME Financing, a Difficult Relationship: Lessons from a Survey into Tunisian Banks," Book Chapters, in: Claude Berthomieu & Jean-Paul Guichard & Dejan Eric & Srdjan Redzepagic (ed.), Financial Systems Integration of Balkan Countries in the European Financial System: Impact of Global Crisis, edition 1, volume 1, chapter 12, pages 102-110, Institute of Economic Sciences.
  46. Abhishek Srivastav & Francesco Vallascas, 2022. "Small Business Lending and Regulation for Small Banks," Management Science, INFORMS, vol. 68(10), pages 7742-7760, October.
  47. Enrico Colombatto & Arie Melnik & Chiara Monticone, 2012. "Relationships and availability of credit to new small firms," ECONOMIA E POLITICA INDUSTRIALE, FrancoAngeli Editore, vol. 2012(1), pages 5-21.
  48. Allen, Kyle D. & Whitledge, Matthew D., 2022. "Further evidence on the effectiveness of community banks in the Paycheck Protection Program," Finance Research Letters, Elsevier, vol. 47(PA).
  49. Allen Berger, 2006. "Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States," Journal of Financial Services Research, Springer;Western Finance Association, vol. 29(1), pages 5-36, February.
  50. Sedunov, John, 2020. "Small banks and consumer satisfaction," Journal of Corporate Finance, Elsevier, vol. 60(C).
  51. Pierluigi Murro & Valentina Peruzzi, 2022. "Relationship lending and the use of trade credit: the role of relational capital and private information," Small Business Economics, Springer, vol. 59(1), pages 327-360, June.
  52. Dierkes, Maik & Erner, Carsten & Langer, Thomas & Norden, Lars, 2013. "Business credit information sharing and default risk of private firms," Journal of Banking & Finance, Elsevier, vol. 37(8), pages 2867-2878.
  53. repec:mje:mjejnl:v:12:y:2017:i:2:p:129-140 is not listed on IDEAS
  54. Shaban, Mohamed & Duygun, Meryem & Fry, John, 2016. "SME's lending and Islamic finance. Is it a “win–win” situation?," Economic Modelling, Elsevier, vol. 55(C), pages 1-5.
  55. Zhang, Xiao-mei & Song, Zhuo-lin & Zhong, Zhen, 2016. "Does “small bank advantage” really exist? Evidence from China," International Review of Economics & Finance, Elsevier, vol. 42(C), pages 368-384.
  56. Hakenes, Hendrik & Boyd, John H. & Heitz, Amanda Rae, 2016. "The Effects of Creditor Rights and Bank Information Sharing on Borrower Behavior: Theory and Evidence," CEPR Discussion Papers 11699, C.E.P.R. Discussion Papers.
  57. Albertazzi, Ugo & Becker, Bo & Boucinha, Miguel, 2021. "Portfolio rebalancing and the transmission of large-scale asset purchase programs: Evidence from the Euro area," Journal of Financial Intermediation, Elsevier, vol. 48(C).
  58. David P. Ely & Kenneth J. Robinson, 2004. "The impact of banks' expanded securities powers on small‐business lending," Review of Financial Economics, John Wiley & Sons, vol. 13(1-2), pages 79-102.
  59. Catão, Luís A.V. & te Kaat, Daniel Marcel, 2021. "Capital account liberalization and the composition of bank liabilities," Journal of International Money and Finance, Elsevier, vol. 116(C).
  60. Vinicius Carrasco & João Manoel Pinho de Mello, 2006. "Relationship lending: Is it Incentives or hidden information?," Textos para discussão 519, Department of Economics PUC-Rio (Brazil).
  61. 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.
  62. Audretsch, David B. & Kritikos, Alexander S. & Schiersch, Alexander, 2020. "Microfirms and innovation in the service sector," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 55(4), pages 997-1018.
  63. Hutchinson, Emma & van 't Veld, Klaas, 2005. "Extended liability for environmental accidents: what you see is what you get," Journal of Environmental Economics and Management, Elsevier, vol. 49(1), pages 157-173, January.
  64. Dmytro Holod & Joe Peek, 2013. "The value to banks of small business lending," Working Papers 13-7, Federal Reserve Bank of Boston.
  65. 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.
  66. Florian Heider & Roman Inderst, 2012. "Loan Prospecting," The Review of Financial Studies, Society for Financial Studies, vol. 25(8), pages 2381-2415.
  67. Nathan H. Miller, 2008. "Competition When Consumers Value Firm Scope," EAG Discussions Papers 200807, Department of Justice, Antitrust Division.
  68. Barra, Cristian & Papaccio, Anna & Ruggiero, Nazzareno, 2024. "Are cooperative and commercial banks equally effective in reducing the shadow economy? International evidence," Economic Modelling, Elsevier, vol. 138(C).
  69. Kerr, William R. & Nanda, Ramana, 2009. "Democratizing entry: Banking deregulations, financing constraints, and entrepreneurship," Journal of Financial Economics, Elsevier, vol. 94(1), pages 124-149, October.
  70. Anne Duquerroy & Clément Mazet-Sonilhac & Jean-Stéphane Mésonnier & Daniel Paravisini, 2022. "Bank Local Specialization," Working Papers hal-03812807, HAL.
  71. Arena, Marika & Bengo, Irene & Calderini, Mario & Chiodo, Veronica, 2018. "Unlocking finance for social tech start-ups: Is there a new opportunity space?," Technological Forecasting and Social Change, Elsevier, vol. 127(C), pages 154-165.
  72. Ahmet F. Aysan & Mustafa Disli & Huseyin Ozturk, 2018. "Bank lending channel in a dual banking system: Why are Islamic banks so responsive?," The World Economy, Wiley Blackwell, vol. 41(3), pages 674-698, March.
  73. Renaud Bourlès & Anastasia Cozarenco, 2018. "Entrepreneurial motivation and business performance: evidence from a French Microfinance Institution," Small Business Economics, Springer, vol. 51(4), pages 943-963, December.
  74. José García-Quevedo & Gabriele Pellegrino & Marco Vivarelli, 2011. "The determinants of YIc's R&D activity," Working Papers XREAP2011-20, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2011.
  75. Eugene Kang & Asghar Zardkoohi & Ramona Paetzold & Donald Fraser, 2013. "Relationship banking and escalating commitments to bad loans," Small Business Economics, Springer, vol. 40(4), pages 899-910, May.
  76. Kirschenmann, K., 2010. "The Dynamics in Requested and Granted Loan Terms when Bank and Borrower Interact Repeatedly," Other publications TiSEM 40d5005c-1626-4511-aa8a-f, Tilburg University, School of Economics and Management.
  77. Giorgio Albareto & Roberto Felici & Enrico Sette, 2016. "Does credit scoring improve the selection of borrowers and credit quality?," Temi di discussione (Economic working papers) 1090, Bank of Italy, Economic Research and International Relations Area.
  78. Holton, Sarah & Rodriguez d’Acri, Costanza, 2015. "Jagged Cliffs and Stumbling Blocks: Interest Rate Pass-through Fragmentation during the Euro Area Crisis," Research Technical Papers 01/RT/15, Central Bank of Ireland.
  79. Modina, Michele & Pietrovito, Filomena & Gallucci, Carmen & Formisano, Vincenzo, 2023. "Predicting SMEs’ default risk: Evidence from bank-firm relationship data," The Quarterly Review of Economics and Finance, Elsevier, vol. 89(C), pages 254-268.
  80. Dorothea Schafer & Axel Werwatz & Volker Zimmermann, 2004. "The Determinants of Debt and (Private) Equity Financing: The Case of Young, Innovative SMEs from Germany," Industry and Innovation, Taylor & Francis Journals, vol. 11(3), pages 225-248.
  81. Belaid, Faiçal & Boussaada, Rim & Belguith, Houda, 2017. "Bank-firm relationship and credit risk: An analysis on Tunisian firms," Research in International Business and Finance, Elsevier, vol. 42(C), pages 532-543.
  82. Kristopher Deming & Stephan Weiler, 2023. "Banking Deserts and the Paycheck Protection Program," Economic Development Quarterly, , vol. 37(3), pages 259-276, August.
  83. Bongini, Paola & Di Battista, Maria Luisa & Zavarrone, Emma, 2006. "David and Goliath: small banks in an era of consolidation. Evidence from Italy," MPRA Paper 4841, University Library of Munich, Germany.
  84. Beck, Thorsten & Degryse, Hans & De Haas, Ralph & van Horen, Neeltje, 2018. "When arm's length is too far: Relationship banking over the credit cycle," Journal of Financial Economics, Elsevier, vol. 127(1), pages 174-196.
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