• 1 Introduction
  • 2 The data
  • 2.1 Data compilation
  • 2.2 Data representativeness
  • 2.3 Description of variables
  • 2.4 Characteristics of borrowing firms and loans
  • 3 Bank lending analyzed by use of ex ante information
  • 3.1 The pricing of loans
  • 3.2 The availability of loans
  • 4 Bank lending analyzed by use of ex post information
  • 5 Concluding comments
  • Acknowledgements
  • References