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problem of asymmetric information, particular in SME lending. Moreover, connections to other socio-political aspects must be … regulation and Europeanisation of supervision, however, -so far neglecting differences in risk profiles and bank sizes … Problem asymmetrischer Informationen besser überwinden, insbesondere bei der Kreditvergabe an KMU. Darüber hinaus sind weitere …
Persistent link: https://www.econbiz.de/10012153544
One of the major issues for SME development has been access to finance. This paper examines the current state of SME …
Persistent link: https://www.econbiz.de/10012113904
, thus benefiting from a friendlier regulatory environment. We exploit this decrease in regulation in a difference …-in-differences setting to show that less regulation on small BHCs boosts small business lending of the affiliated commercial banks without …
Persistent link: https://www.econbiz.de/10012870490
credit bureaus, redirecting banking regulation toward the protection of borrowers in long-term credit relationships, and …
Persistent link: https://www.econbiz.de/10013019797
This paper studies how the California Consumer Privacy Act (CCPA), a comprehensive privacy law that grants users control over their data, affects fintech lending. To develop hypotheses we build a parsimonious screening model. Consumers apply for loans with banks and a fintech that has a superior...
Persistent link: https://www.econbiz.de/10014254641
improve or hamper SME access to crowdfunding opportunities; to illustrate policy experiences and programme outcomes; and to …
Persistent link: https://www.econbiz.de/10011876997
entrepreneurship competencies, management and workforce skills, technology, innovation, and networks, is also critical to enable SME … growth. A cross-cutting approach to SME policy can enhance SME contributions to inclusive growth. …
Persistent link: https://www.econbiz.de/10011877006
Prospectus Regulation’s main provisions, highlighting the changes introduced to the previously applicable regime. Second, it … current COVID-19 pandemic crisis.The point of reference, when analysing the provisions of the Prospectus Regulation, is the …
Persistent link: https://www.econbiz.de/10012437057
India has an estimated 26,000 startups, making it the third-largest startup ecosystem in the world, recording consolidated inflows of over $36 billion in the past 3 years with 26 "unicorns" - startups valued over $1 billion. The Indian startup ecosystem has expanded quite rapidly mainly through...
Persistent link: https://www.econbiz.de/10012239563
We study how Small Business Administration (SBA) employees respond to salient defaults. Using novel data to identify employees transferring across SBA offices, we find that defaults on SBA loans in their previous workplace reduce SBA loans in their current workplace. The effect is independent of...
Persistent link: https://www.econbiz.de/10013215932