argue that while traditional financing channels, including financial markets and banks, provide significant sources of funds …

officer activities are associated with bank production of soft information. We also find that loan officers at small banks … produce more soft information than at large banks, but large banks appear to have the equivalent potential to underwrite … relationship loans. Nevertheless, large banks choose instead to focus their resources on transactions lending …

a dataset of small business financing, we find that mergers of small banks have a negative impact on soft information … acquisition, whereas mergers of large banks have no impact. We also find some evidence that an increase in organizational … information acquisition by small banks. These findings are consistent with the organizational theory that predicts a comparative …

The current literature on SME loan underwriting assumes that banks use just one of two lending technologies … this view and hypothesizes that banks use a variety of distinctly different lending technologies. It emphasizes that the …, SME lending practice is generally inconsistent with much of the academic research on how banks underwrite loans …

investigate the factors that banks actually evaluate when underwriting commercial loans. We find that banks emphasize three …/guarantee factor. We also find that smaller banks place greater emphasis on the relationship and the collateral/guarantee factors, and … that banks under competitive pressure emphasize the relationship factor to a greater extent. We interpret these findings …

) was introduced in 2003. The LBR was imposed on Dutch banks only and did not apply to other banks operating elsewhere …-in-differences approach, we find that stricter liquidity requirements did not reduce the lending of Dutch banks relative to other banks not … subject to the provisions of the LBR. However, the LBR did lead Dutch banks to modify the structure of loan portfolios by …

In this paper, we use U.S. commercial banks' data to investigate whether the effect of unexpected deposit flows on loan … production depends on banks' exposure to off-balance sheet funding liquidity risk. We find that lending is sensitive to deposit … shocks at small banks but not at large ones. Furthermore, for small banks, the increase in lending explained by unexpected …