. Alternatively, very small firms are heavily reliant on bank loans, trade credit, and informal sources of capital including loans …

lending rates, as well as whether relationships affect loan terms and availability via reputation enhancement, as modeled by …

We investigate the impact of interest and non-interest products and services on the margin a bank can derive from a … contribute to the bank’s margin, whereas short-term loans as well as other additional products and services do not affect the … bank’s margin, and cash management services even seem to reduce the bank’s margin. The findings suggest that small …

Does an increase in competition increase or decrease bank stability? I exploit how the state-specific process of … interstate banking deregulation lowered barriers to entry into urban banking markets and find that greater competition … significantly increases bank stability. This result is robust to the inclusion of additional fixed effects and other influences …

with the provision of debt finance, the nature of the relationship between bank and entrepreneur can be of considerable … importance in ensuring the appropriate financing decisions are made. This paper examines the link between the banking … which the banking relationship constrains performance suggests that there is no significant difference between more and less …

with the provision of debt finance, the nature of the relationship between bank and entrepreneur can be of considerable … importance in ensuring the appropriate financing decisions are made. This paper examines the link between the banking … which the banking relationship constrains performance suggests that there is no significant difference between more and less …

Two alternative research hypotheses concerning how small business lending affects bank profitability are tested. The … neutral or positive effects on bank profitability after taking into account bank risk. Using efficient frontier analyses that … specialization hypothesis argues for higher profitability than other banks due to increased focus on small business lending, whereas …

local banking competition is key to determining which organizational structure provides better lending terms for small …We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that … decentralized banks ― where branch managers have greater autonomy over lending decisions ― give larger loans to small firms and …

an Internet bank as any commercial bank maintaining a World Wide Web site on which banking transactions may be conducted … developed through personal contact. These smaller, more simply structured banks tend to specialize in small business lending … greater inroads in establishing an Internet presence on the World Wide Web and have the most ambitious online banking agendas …