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The Number of Bank Relationships of SMEs: A Disaggregated Analysis of Changes in the Swiss Loan Market

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Author Info
Doris Neuberger
Solvig Räthke
Christoph Schacht

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Abstract

This paper investigates changes in the number of bank relationships of small and medium-sized enterprises in Switzerland from 1996 to 2002. It differentiates between overall bank relationships and lending relationships and disaggregates the loan market with respect to firm sizes, industries and banking groups. On average, bank lending declined, and the concentration of lending relationships increased. The changes seem to have been driven by demand and supply for medium-sized firms, but only by supply for micro and small firms. Supply-side reductions resulted from a merger and changes in credit risk management by major banks. We find evidence of increasing specialization of larger banks on transaction lending and of smaller and regional banks on relationship lending. Copyright 2006 The Authors Journal compilation 2006 Banca Monte dei Paschi di Siena SpA

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Publisher Info
Article provided by Banca Monte dei Paschi di Siena SpA in its journal Economic Notes.

Volume (Year): 35 (2006)
Issue (Month): 3 (November)
Pages: 319-353
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Handle: RePEc:bla:ecnote:v:35:y:2006:i:3:p:319-353

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  1. Doris Neuberger & Solvig Räthke, 2009. "Microenterprises and multiple bank relationships: The case of professionals," Small Business Economics, Springer, vol. 32(2), pages 207-229, February. [Downloadable!] (restricted)
  2. Doris Neuberger & Maurice Pedergnana & Solvig Räthke-Döppner, 2008. "Concentration of Banking Relationships in Switzerland: The Result of Firm Structure or Banking Market Structure?," Journal of Financial Services Research, Springer, vol. 33(2), pages 101-126, April. [Downloadable!] (restricted)
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This page was last updated on 2009-11-22.

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