between the number of owners and the probability of credit default by joining data from the Credit Registry (KHR) for the … higher averages in less populated regions. Meanwhile, SMEs with one owner only have up to twice as high credit default …

applications, I find that applicants disproportionately choose loan amounts just below thresholds where credit underwriting … standards. The analysis suggests that application costs cause borrowers to forgo tens of thousands of dollars in 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 …

Our paper addresses firm size as a driver of systematic credit risk in loans to small and medium enterprises (SMEs … particularly rich and well developed credit market for SMEs in Germany. We estimate asset correlations as the key measure of …

on their loans than non-disaster firms. Floods reduce securitised credit in the local markets, suggesting that physical …

traditional loan pricing model, this new proposed one, requiring lower loan interest rates from customers with higher credit … rating, while higher loan interest rates from customers with lower credit rating, could thus be able to provide higher risk …