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A more complete conceptual framework for SME finance

Citations

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Cited by:

  1. Maes, Elisabeth & Dewaelheyns, Nico & Fuss, Catherine & Van Hulle, Cynthia, 2019. "The impact of exporting on financial debt choices of SMEs," Journal of Business Research, Elsevier, vol. 102(C), pages 56-73.
  2. Hughes, Joseph P. & Jagtiani, Julapa & Mester, Loretta J., 2016. "Is Bigger Necessarily Better in Community Banking?," Working Papers 17-03, University of Pennsylvania, Wharton School, Weiss Center.
  3. de la Torre, Augusto & Martínez Pería, María Soledad & Schmukler, Sergio L., 2010. "Bank involvement with SMEs: Beyond relationship lending," Journal of Banking & Finance, Elsevier, vol. 34(9), pages 2280-2293, September.
  4. Alessandro Girardi & Marco Ventura, 2021. "Measuring credit crunch in Italy: evidence from a survey-based indicator," Annals of Operations Research, Springer, vol. 299(1), pages 567-592, April.
  5. Silvia Del Prete & Stefano Federico, 2014. "Trade and finance: is there more than just 'trade finance'? Evidence from matched bank-firm data," Temi di discussione (Economic working papers) 948, Bank of Italy, Economic Research and International Relations Area.
  6. Minetti, Raoul & Zhu, Susan, 2018. "Are Banks Engines of Export? Financial Structures and Export Dynamics," Working Papers 2018-5, Michigan State University, Department of Economics.
  7. Sui, Hongguang & Geng, Simin & Zhou, Jin & Raza, Ali & Aziz, Noshaba, 2023. "Fiscal institutional reform and export product quality: A Quasi-experimental research on counties managed directly by provinces," Economic Modelling, Elsevier, vol. 126(C).
  8. Chen, Xiaohui & Shen, Shaowei, 2024. "Probability causal inference of interest rate fluctuations: Evidence from private credit in emerging markets," Technological Forecasting and Social Change, Elsevier, vol. 200(C).
  9. Ardic, Oya Pinar & Mylenko, Nataliya & Saltane, Valentina, 2011. "Small and medium enterprises : a cross-country analysis with a new data set," Policy Research Working Paper Series 5538, The World Bank.
  10. 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).
  11. Kraemer-Eis, Helmut & Botsari, Antonia & Gvetadze, Salome & Lang, Frank & Torfs, Wouter, 2019. "European Small Business Finance Outlook: June 2019," EIF Working Paper Series 2019/57, European Investment Fund (EIF).
  12. Columba, Francesco & Gambacorta, Leonardo & Mistrulli, Paolo Emilio, 2009. "The effects of mutual guarantee consortia on the quality of bank lending," MPRA Paper 17052, University Library of Munich, Germany, revised Mar 2009.
  13. Filomena Pietrovito & Alberto Franco Pozzolo, 2021. "Credit constraints and exports of SMEs in emerging and developing countries," Small Business Economics, Springer, vol. 56(1), pages 311-332, January.
  14. 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.
  15. Yaldız Hanedar, Elmas & Broccardo, Eleonora & Bazzana, Flavio, 2014. "Collateral requirements of SMEs: The evidence from less-developed countries," Journal of Banking & Finance, Elsevier, vol. 38(C), pages 106-121.
  16. Lorenzo Gai & Maria Cristina Arcuri & Federica Ielasi, 2023. "How does government-backed finance affect SMEs’ crisis predictors?," Small Business Economics, Springer, vol. 61(3), pages 1205-1229, October.
  17. Heller, David, 2024. "Financial market integration and the effects of financing constraints on innovation," Research Policy, Elsevier, vol. 53(4).
  18. Jeremie Bertrand & Pierluigi Murro, 2018. "Is trade credit a substitute for relationship lending credit?," CERBE Working Papers wpC25, CERBE Center for Relationship Banking and Economics.
  19. Takuma Kochiyama & Ryosuke Nakamura & Akinobu Shuto, 2021. "How do bank lenders use borrowers’ financial statements? Evidence from a survey of Japanese banks," CARF F-Series CARF-F-522, Center for Advanced Research in Finance, Faculty of Economics, The University of Tokyo.
  20. Sumon Kumar Bhaumik & Manisha Chakrabarty & Ali M. Kutan & Ekta Selarka, 2021. "How Effective are Stock Market Reforms in Emerging Market Economies? Evidence from a Panel VAR Model of the Indian Stock Market," Journal of Quantitative Economics, Springer;The Indian Econometric Society (TIES), vol. 19(4), pages 795-818, December.
  21. Gupta, Jairaj & Gregoriou, Andros, 2018. "Impact of market-based finance on SMEs failure," Economic Modelling, Elsevier, vol. 69(C), pages 13-25.
  22. Raphael Duguay & Michael Minnis & Andrew Sutherland, 2020. "Regulatory Spillovers in Common Audit Markets," Management Science, INFORMS, vol. 66(8), pages 3389-3411, August.
  23. 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.
  24. 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.
  25. repec:hal:journl:hal-00952641 is not listed on IDEAS
  26. 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.
  27. Beck, Thorsten & Demirguc-Kunt, Asli & Soledad Martinez Peria, Maria, 2008. "Bank Financing for SMEs around the World: Drivers, Obstacles, Business Models, and Lending Practices," Policy Research Working Paper Series 4785, The World Bank.
  28. Beck, Thorsten & Demirgüç-Kunt, Asli & Singer, Dorothe, 2013. "Is Small Beautiful? Financial Structure, Size and Access to Finance," World Development, Elsevier, vol. 52(C), pages 19-33.
  29. Rishabh, Kumar & Schäublin, Jorma, 2021. "Payment Fintechs and Debt Enforcement," Working papers 2021/02, Faculty of Business and Economics - University of Basel.
  30. Marco Cucculelli & Valentina Peruzzi & Alberto Zazzaro, 2016. "Relational capital in lending relationships: Evidence from European family firms," CERBE Working Papers wpC12, CERBE Center for Relationship Banking and Economics.
  31. 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.
  32. Degryse, H.A. & Havrylchyk, O. & Jurzyk, E. & Kozak, S., 2009. "Foreign Bank Entry and Credit Allocation in Emerging Markets," Other publications TiSEM fa54a876-1262-44c9-8099-7, Tilburg University, School of Economics and Management.
  33. Chiara Coluzzi & Annalisa Ferrando & Carmen Martínez-Carrascal, 2009. "Financing obstacles and growth: An analysis for euro area non-financial corporations," Working Papers 0836, Banco de España.
  34. 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.
  35. Wignaraja, Ganeshan & Jinjarak, Yothin, 2015. "Why Do SMEs Not Borrow More from Banks? Evidence from the People's Republic of China and Southeast Asia," ADBI Working Papers 509, Asian Development Bank Institute.
  36. Anoosheh Rostamkalaei & Mark Freel, 2016. "The cost of growth: small firms and the pricing of bank loans," Small Business Economics, Springer, vol. 46(2), pages 255-272, February.
  37. Vasso Ioannidou & Steven Ongena & José-Luis Peydró, 2015. "Monetary Policy, Risk-Taking, and Pricing: Evidence from a Quasi-Natural Experiment," Review of Finance, European Finance Association, vol. 19(1), pages 95-144.
  38. Florian Kaposty & Philipp Klein & Matthias Löderbusch & Andreas Pfingsten, 2022. "Loss given default in SME leasing," Review of Managerial Science, Springer, vol. 16(5), pages 1561-1597, July.
  39. 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.
  40. Jorge Fernández & Francisco Vásquez, 2022. "Caracterización del Factoring Bancario en Chile: 2009-2020," Economic Statistics Series 137, Central Bank of Chile.
  41. 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.
  42. Mark Ojeme & Andrew Robson & Nigel Coates, 2016. "Nigerian SMEs: Commitment and loyalty to their banks," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 21(4), pages 325-339, December.
  43. Sedunov, John, 2020. "Small banks and consumer satisfaction," Journal of Corporate Finance, Elsevier, vol. 60(C).
  44. Mutarindwa, Samuel & Schäfer, Dorothea & Stephan, Andreas, 2020. "Central banks' supervisory guidance on corporate governance and bank stability: Evidence from African countries," Emerging Markets Review, Elsevier, vol. 43(C).
  45. Mikhail Drugov & Rocco Macchiavello, 2014. "Financing Experimentation," American Economic Journal: Microeconomics, American Economic Association, vol. 6(1), pages 315-349, February.
  46. Arráiz,Irani & Bruhn,Miriam & Stucchi,Rodolfo Mario, 2015. "Psychometrics as a tool to improve screening and access to credit," Policy Research Working Paper Series 7506, The World Bank.
  47. Ongena, S. & Popov, A. & Udell, G.F., 2011. "Bank Risk-Taking Abroad : Does Home-Country Regulation and Supervision Matter," Other publications TiSEM 97be9d05-2ab5-4292-8d7f-8, Tilburg University, School of Economics and Management.
  48. 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.
  49. Michael Minnis, 2011. "The Value of Financial Statement Verification in Debt Financing: Evidence from Private U.S. Firms," Journal of Accounting Research, Wiley Blackwell, vol. 49(2), pages 457-506, May.
  50. Calabrese, Raffaella, 2023. "Contagion effects of UK small business failures: A spatial hierarchical autoregressive model for binary data," European Journal of Operational Research, Elsevier, vol. 305(2), pages 989-997.
  51. Pierluigi Murro & Valentina Peruzzi, 2018. "Cooperative banks and income inequality: Evidence from Italian provinces," Working Papers CASMEF 1804, Dipartimento di Economia e Finanza, LUISS Guido Carli.
  52. Kraemer-Eis, Helmut & Botsari, Antonia & Gvetadze, Salome & Lang, Frank & Torfs, Wouter, 2017. "European Small Business Finance Outlook: December 2017," EIF Working Paper Series 2017/46, European Investment Fund (EIF).
  53. Bakaykina, A., 2024. "Determinants of SME support participation in the Russian two-tier system," Journal of the New Economic Association, New Economic Association, vol. 62(1), pages 75-100.
  54. Filipe, Sara Ferreira & Grammatikos, Theoharry & Michala, Dimitra, 2016. "Forecasting distress in European SME portfolios," Journal of Banking & Finance, Elsevier, vol. 64(C), pages 112-135.
  55. Simon Cornée, 2014. "Soft Information and Default Prediction in Cooperative and Social Banks," Journal of Entrepreneurial and Organizational Diversity, European Research Institute on Cooperative and Social Enterprises, vol. 3(1), pages 89-103, June.
  56. 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.
  57. Quanpeng Chen & Xiaogang Chen, 2023. "Blockchain-Enabled Supply Chain Internal and External Finance Model," Sustainability, MDPI, vol. 15(15), pages 1-33, July.
  58. Degl’Innocenti, Marta & Girardone, Claudia, 2012. "Ownership, diversification and cost advantages: Evidence from the Italian leasing industry," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 22(4), pages 879-896.
  59. Geoffroy Enjolras & Philippe Madiès, 2017. "The determinants of financial distress in French farms: Analysts versus Algorithms," Post-Print hal-02048313, HAL.
  60. Menkhoff, Lukas & Neuberger, Doris & Rungruxsirivorn, Ornsiri, 2012. "Collateral and its substitutes in emerging markets’ lending," Journal of Banking & Finance, Elsevier, vol. 36(3), pages 817-834.
  61. Ansgar Belke & Florian Verheyen, 2013. "Finance Access of SMEs: What Role for the ECB?," ROME Working Papers 201311, ROME Network.
  62. Girardi, Alessandro & Ventura, Marco & Margani, Patrizia, 2018. "An Indicator of Credit Crunch using Italian Business Surveys," MPRA Paper 88839, University Library of Munich, Germany.
  63. Maria Luisa Mancusi & Andrea Vezzulli, 2014. "R&D AND CREDIT RATIONING IN SMEs," Economic Inquiry, Western Economic Association International, vol. 52(3), pages 1153-1172, July.
  64. Chong, Terence Tai-Leung & Lu, Liping & Ongena, Steven, 2013. "Does banking competition alleviate or worsen credit constraints faced by small- and medium-sized enterprises? Evidence from China," Journal of Banking & Finance, Elsevier, vol. 37(9), pages 3412-3424.
  65. Zhang, Li-Hao & Zhang, Cheng, 2022. "Manufacturer encroachment with capital-constrained competitive retailers," European Journal of Operational Research, Elsevier, vol. 296(3), pages 1067-1083.
  66. Tan, Weijie & Shen, Minghao & Pang, Yubiao & Liu, Yiqian, 2024. "Bank agglomeration and corporate environmental responsibility performance: Evidence from Chinese bank branch data," International Review of Financial Analysis, Elsevier, vol. 91(C).
  67. Minetti, Raoul & Murro, Pierluigi & Peruzzi, Valentina, 2019. "One size does not fit all. Cooperative banking and income inequality," Working Papers 2019-10, Michigan State University, Department of Economics.
  68. Pietrovito, Filomena & Pozzolo, Alberto Franco, 2023. "Did small banks trade off lending with government bond purchases during the Sovereign debt crisis?," International Review of Economics & Finance, Elsevier, vol. 86(C), pages 666-683.
  69. Faia, Ester & Laffitte, Sebastien & Ottaviano, Gianmarco I.P., 2019. "Foreign expansion, competition and bank risk," Journal of International Economics, Elsevier, vol. 118(C), pages 179-199.
  70. Arnoud W.A. Boot & Matej Marinč, 2012. "Financial Innovations, Marketability and Stability in Banking," Chapters, in: James R. Barth & Chen Lin & Clas Wihlborg (ed.), Research Handbook on International Banking and Governance, chapter 22, Edward Elgar Publishing.
  71. Garavito, Fabian, 2009. "Organizational diseconomies in the mutual fund industry," LSE Research Online Documents on Economics 29302, London School of Economics and Political Science, LSE Library.
  72. Kowalewski, Oskar & Pisany, Paweł, 2022. "Banks' consumer lending reaction to fintech and bigtech credit emergence in the context of soft versus hard credit information processing," International Review of Financial Analysis, Elsevier, vol. 81(C).
  73. Ben Naceur, S. & Marton, Katherin & Roulet, Caroline, 2018. "Basel III and bank-lending: Evidence from the United States and Europe," Journal of Financial Stability, Elsevier, vol. 39(C), pages 1-27.
  74. Refait-Alexandre, Catherine & Serve, Stéphanie, 2020. "Multiple banking relationships: Do SMEs mistrust their banks?," Research in International Business and Finance, Elsevier, vol. 51(C).
  75. Giovanni Ferri & Pierluigi Murro, 2016. "A Credit Crunch Behind the Great Trade Collapse? Micro Evidence From Europe," CERBE Working Papers wpC10, CERBE Center for Relationship Banking and Economics.
  76. Shusen Qi & Ralph De Haas & Steven Ongena & Stefan Straetmans & Tamas Vadasz, 2017. "Move a Little Closer? Information Sharing and the Spatial Clustering of Bank Branches," Swiss Finance Institute Research Paper Series 17-74, Swiss Finance Institute, revised Jun 2023.
  77. Ferri, Giovanni & Murro, Pierluigi & Peruzzi, Valentina & Rotondi, Zeno, 2019. "Bank lending technologies and credit availability in Europe: What can we learn from the crisis?," Journal of International Money and Finance, Elsevier, vol. 95(C), pages 128-148.
  78. García-Teruel, Pedro J. & Martínez-Solano, Pedro & Sánchez-Ballesta, Juan Pedro, 2014. "The role of accruals quality in the access to bank debt," Journal of Banking & Finance, Elsevier, vol. 38(C), pages 186-193.
  79. Peia, Oana & Vranceanu , Radu, 2014. "Optimal Return in a Model of Bank Small-business Financing," ESSEC Working Papers WP1403, ESSEC Research Center, ESSEC Business School.
  80. Florian Kiy & Theresa Zick, 2020. "Effects of declining bank health on borrowers’ earnings quality: evidence from the European sovereign debt crisis," Journal of Business Economics, Springer, vol. 90(4), pages 615-673, May.
  81. Kislat, Carmen & Menkhoff, Lukas & Neuberger, Doris, 2013. "The use of collateral in formal and informal lending," VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order 79765, Verein für Socialpolitik / German Economic Association.
  82. Vlado Kysucky & Lars Norden, 2016. "The Benefits of Relationship Lending in a Cross-Country Context: A Meta-Analysis," Management Science, INFORMS, vol. 62(1), pages 90-110, January.
  83. James, Christopher & Lu, Jing & Sun, Yangfan, 2021. "Time is money: Real effects of relationship lending in a crisis," Journal of Banking & Finance, Elsevier, vol. 133(C).
  84. Degryse, Hans & Havrylchyk, Olena & Jurzyk, Emilia & Kozak, Sylwester, 2012. "Foreign bank entry, credit allocation and lending rates in emerging markets: Empirical evidence from Poland," Journal of Banking & Finance, Elsevier, vol. 36(11), pages 2949-2959.
  85. Hua Song & Yudong Yang & Zheng Tao, 2020. "How different types of financial service providers support small- and medium- enterprises under the impact of COVID-19 pandemic: from the perspective of expectancy theory," Frontiers of Business Research in China, Springer, vol. 14(1), pages 1-27, December.
  86. repec:dau:papers:123456789/5897 is not listed on IDEAS
  87. Moro, Andrea & Belghitar, Yacine & Mateus, Cesario, 2021. "National culture and small firms' use of trade credit: Evidence from Europe," Global Finance Journal, Elsevier, vol. 49(C).
  88. Hervé Alexandre & Aymen Smondel, 2010. "Substitution or complementarity between “soft” information and “hard” information: why and which effect on bank profitability?," Post-Print hal-01622844, HAL.
  89. Juardi, 2021. "Perceptions of Micro Small and Medium Enterprise Managers in Financing Accessibility to the Formal Banking Institutions," Technium Social Sciences Journal, Technium Science, vol. 26(1), pages 646-654, Decembrie.
  90. 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.
  91. Kraemer-Eis, Helmut & Botsari, Antonia & Gvetadze, Salome & Lang, Frank & Torfs, Wouter, 2019. "European Small Business Finance Outlook: December 2019," EIF Working Paper Series 2019/61, European Investment Fund (EIF).
  92. repec:zbw:bofrdp:2014_022 is not listed on IDEAS
  93. Emanuele Brancati & Raffaele Brancati & Dario Guarascio & Antonello Zanfei, 2022. "Innovation drivers of external competitiveness in the great recession," Small Business Economics, Springer, vol. 58(3), pages 1497-1516, March.
  94. Sheng, Tianxiang, 2021. "The effect of fintech on banks’ credit provision to SMEs: Evidence from China," Finance Research Letters, Elsevier, vol. 39(C).
  95. Raya U. Gulimbetova & Nazira A. Gumar & Abdizhapar Dz. Saparbayev & Munira Ya. Imramzieva & A. Kabdeshova, 2023. "Credit technologies of banks as a mandatory component of the economic development and financial wellbeing in the Republic of Kazakhstan," RIVISTA DI STUDI SULLA SOSTENIBILITA', FrancoAngeli Editore, vol. 0(1 suppl.), pages 119-133.
  96. Ross Brown & José M. Liñares-Zegarra & John O.S. Wilson, 2022. "Innovation and borrower discouragement in SMEs," Small Business Economics, Springer, vol. 59(4), pages 1489-1517, December.
  97. Chircop, Justin & Johan, Sofia & Tarsalewska, Monika, 2020. "Does religiosity influence venture capital investment decisions?," Journal of Corporate Finance, Elsevier, vol. 62(C).
  98. Tsuruta, Daisuke, 2021. "Lack of successors, firm default, and the performance of small businesses," Japan and the World Economy, Elsevier, vol. 57(C).
  99. Niinimäki, Juha-Pekka, 2015. "The optimal allocation of alternative collateral assets between different loans," The North American Journal of Economics and Finance, Elsevier, vol. 34(C), pages 22-41.
  100. Shailesh Rastogi & Arpita Sharma & Geetanjali Pinto & Venkata Mrudula Bhimavarapu, 2022. "A literature review of risk, regulation, and profitability of banks using a scientometric study," Future Business Journal, Springer, vol. 8(1), pages 1-17, December.
  101. Mariarosaria Agostino & Sabrina Ruberto, 2024. "Credit rationing and SMEs’ environmental performance in transition and developing countries," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 26(7), pages 16627-16656, July.
  102. Cerqueiro, G.M. & Ongena, S. & Roszbach, K., 2011. "Collateralization, Bank Loan Rates and Monitoring : Evidence from a Natural Experiment," Discussion Paper 2011-087, Tilburg University, Center for Economic Research.
  103. Chen, Yi-Pei & Chen, Yu-Lun & Chiang, Shu-Hen & Mo, Wan-Shin, 2023. "Determinants of connectedness in financial institutions: Evidence from Taiwan," Emerging Markets Review, Elsevier, vol. 55(C).
  104. Mkhaiber, Achraf & Werner, Richard A., 2021. "The relationship between bank size and the propensity to lend to small firms: New empirical evidence from a large sample," Journal of International Money and Finance, Elsevier, vol. 110(C).
  105. Firth, Michael & Lin, Chen & Liu, Ping & Wong, Sonia M.L., 2009. "Inside the black box: Bank credit allocation in China's private sector," Journal of Banking & Finance, Elsevier, vol. 33(6), pages 1144-1155, June.
  106. Hughes, Joseph P. & Jagtiani, Julapa & Mester, Loretta J. & Moon, Choon-Geol, 2019. "Does scale matter in community bank performance? Evidence obtained by applying several new measures of performance," Journal of Banking & Finance, Elsevier, vol. 106(C), pages 471-499.
  107. Ferri, Giovanni & Minetti, Raoul & Murro, Pierluigi, 2019. "Credit Relationships in the great trade collapse. Micro evidence from Europe," Journal of Financial Intermediation, Elsevier, vol. 40(C).
  108. Backman , Mikaela & Wallin, Tina, 2017. "Access to financial intermediaries and external capital acquisition," Working Paper Series in Economics and Institutions of Innovation 454, Royal Institute of Technology, CESIS - Centre of Excellence for Science and Innovation Studies.
  109. Ono, Arito & Uchida, Hirofumi & Udell, Gregory F. & Uesugi, Iichiro, 2021. "Lending pro-cyclicality and macroprudential policy: Evidence from Japanese LTV ratios," Journal of Financial Stability, Elsevier, vol. 53(C).
  110. Amélie Artis & Simon Cornée, 2017. "Composition, Interpretation and Memorisation of the Idiosyncratic Knowledge in Social Banking," Working Papers CEB 17-002, ULB -- Universite Libre de Bruxelles.
  111. Márcio Mateus, 2022. "Stayin’ alive? Government support measures in Portugal during the Covid-19 pandemic," Working Papers w202212, Banco de Portugal, Economics and Research Department.
  112. Cerqueiro, Geraldo & Degryse, Hans & Ongena, Steven, 2011. "Rules versus discretion in loan rate setting," Journal of Financial Intermediation, Elsevier, vol. 20(4), pages 503-529, October.
  113. WeiMing Mou & Wing-Keung Wong & Michael McAleer, 2018. "Financial Credit Risk Evaluation Based on Core Enterprise Supply Chains," Sustainability, MDPI, vol. 10(10), pages 1-17, October.
  114. Antonio Molina-García & Julio Diéguez-Soto & M. Teresa Galache-Laza & Marta Campos-Valenzuela, 2023. "Financial literacy in SMEs: a bibliometric analysis and a systematic literature review of an emerging research field," Review of Managerial Science, Springer, vol. 17(3), pages 787-826, April.
  115. Zhang, Jianhua & Wang, Peng & Qu, Baozhi, 2012. "Bank risk taking, efficiency, and law enforcement: Evidence from Chinese city commercial banks," China Economic Review, Elsevier, vol. 23(2), pages 284-295.
  116. Luca Casolaro & Francesco Suppressa, 2023. "Credit during the pandemics: the case of Tuscany," Discussion Papers 2023/296, Dipartimento di Economia e Management (DEM), University of Pisa, Pisa, Italy.
  117. Belinda L. Del Gaudio & Gabriele Sampagnaro & Claudio Porzio & Vincenzo Verdoliva, 2022. "The signaling role of trade credit in bank lending decisions: Evidence from small and medium‐sized enterprises," Journal of Business Finance & Accounting, Wiley Blackwell, vol. 49(1-2), pages 327-354, January.
  118. García-Pérez-de-Lema, Domingo & Ruiz-Palomo, Daniel & Diéguez-Soto, Julio, 2021. "Analysing the roles of CEO's financial literacy and financial constraints on Spanish SMEs technological innovation," Technology in Society, Elsevier, vol. 64(C).
  119. Meslier, Céline & Tacneng, Ruth & Tarazi, Amine, 2014. "Is bank income diversification beneficial? Evidence from an emerging economy," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 31(C), pages 97-126.
  120. Helen Toxopeus & Elisa Achterberg & Friedemann Polzin, 2021. "How can firms access bank finance for circular business model innovation?," Business Strategy and the Environment, Wiley Blackwell, vol. 30(6), pages 2773-2795, September.
  121. Francesca Cassano & Karin Jõeveer & Jan Svejnar, 2013. "Cash flow vs. collateral-based credit," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 21(2), pages 269-300, April.
  122. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2009. "Banks, Distances and Firms' Financing Constraints," Review of Finance, European Finance Association, vol. 13(2), pages 261-307.
  123. Raoul Minetti & Pierluigi Murro & Valentina Peruzzi, 2021. "Not All Banks Are Equal: Cooperative Banking And Income Inequality," Economic Inquiry, Western Economic Association International, vol. 59(1), pages 420-440, January.
  124. Pankaj Kumar Gupta & Sandeepa Kaur, 2015. "Credit Rating Framework for Financing of SMEs in India and role of central bank," Proceedings of Business and Management Conferences 3005373, International Institute of Social and Economic Sciences.
  125. Elmas Yaldiz Hanedar & Eleonora Broccardo & Flavio Bazzana, 2012. "Collateral Requirements of SMEs:The Evidence from Less–Developed Countries," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 0034, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
  126. Ludovic Vigneron & Yves Mard, 2016. "Earnings management across publicly traded and privately held French SMEs," International Journal of Entrepreneurship and Small Business, Inderscience Enterprises Ltd, vol. 29(3), pages 416-440.
  127. Uchida, Hirofumi & Udell, Gregory F. & Watanabe, Wako, 2013. "Are trade creditors relationship lenders?," Japan and the World Economy, Elsevier, vol. 25, pages 24-38.
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