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Repayment enforcement and informational advantages : empirical determinants of trade credit use

Uchida, Hirofumi; Uesugi, Iichiro; Hotei, Masaki - 2010

Persistent link: https://www.econbiz.de/10008796603

Adverse selection versus moral hazard in financial contracting : evidence from collateralized and non-collateralized loans

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What do banks evaluate when they screen borrowers? : soft information, hard information and collateral

Uchida, Hirofumi - In: Journal of financial services research : JFSR 40 (2011) 1/2, pp. 29-48

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The repository of soft information within bank organizations

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What Do Banks Evaluate When They Screen Borrowers? Soft Information, Hard Information and Collateral

Uchida, Hirofumi - 2011

By applying factor analysis to unique data on loan screening for small and medium-sized enterprises (SMEs) in Japan, we investigate the factors that banks actually evaluate when underwriting commercial loans. We find that banks emphasize three factors when they decide whether to grant loans: the...

Persistent link: https://www.econbiz.de/10013117601