firms’ credit access by alleviating collateral constraints … take out bank loans or were denied FinTech credit, FinTech borrowers experience a long-term 20% increase in bank credit … after the loan origination. The credit increase only occurs when FinTech borrowers invest in new assets, and they are …

It is well recognized that relationship banking helps to relieve the credit constraints faced by SMEs to access bank … means different things to different banksand different borrowers. How trust enablesthe credit market for SMEs through …-basedrelationship banking helpedto reduce the credit constraints faced by SMEs in the decade following the global financial crisis. …

the financial costs and loan benefits associated with SME relationship banking, extending the scope of existing literature … SMEs to secure more bank credit and longer-term loans, it also results in higher interest rates, increased guarantee …'s credit market and its consequences. …