This paper investigates the determining factors of bank monitoring in small business lending. Unlike previous studies that have relied on proxies of a bank's monitoring effort, we use a large and unique data set that includes the number of monitoring contacts per year between a European bank and...

In this paper we trying to discover the balance sheet ratios that enable us to predict which firms are better candidates for a high-growth path. Following the intuition behind the credit scoring model (i.e., Z-score model), we consider the idea that the balance sheet in the period preceding the...