examination of credit files of five leading German banks, thus relying on information actually used in the process of bank credit …

Despite the relevance of credit financing for the profit and risk situation of commercial banks only little empirical … evidence on the initial credit decision and monitoring process exists due to the lack of appropriate data on bank debt … research project on "Credit Management" which was designed to fill this empirical void. The data set contains a broad list of …

This paper estimates the exporter premium in bank lending. We examine credit relationships in Germany, covering all …

firms. The study is based on the credit files of the respective firms. If no problems occur in these lending relationships …, the traditional view of credit assessment as observation of the quality of a borrower's investment programme needs to be …