Hernandez-Canovas, Gines; Koeter-Kant, Johanna - Faculteit der Economische Wetenschappen en … - 2006
This paper examines the impact of country specific determinants on multiple banking using a unique survey sample of 4959 SMEs from 19 European countries. Our data shows that (1) SMEs in countries with inefficient loan enforcement mechanisms are more likely to maintain multiple bank...