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Citations of
Gregory Udell

For current contact information and a more complete listing of works, please see here

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Working papers

  1. Manuel Illueca & Lars Norden & Gregory F. Udell, 2009. "Liberalization, Corporate Governance, and Savings Banks," Mo.Fi.R. Working Papers 17, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economics. [Downloadable!]

    Cited by:

    1. Manuel Illueca & José Pastor & Emili Tortosa-Ausina, 2009. "The effects of geographic expansion on the productivity of Spanish savings banks," Journal of Productivity Analysis, Springer, vol. 32(2), pages 119-143, October. [Downloadable!] (restricted)

  2. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "Loan Officers and Relationship Lending," Discussion papers 06031, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]

    Cited by:

    1. Yamori, Nobuyoshi, 2009. "What Types of Small and Medium-sized Businesses Are Utilizing New Financial Products?," MPRA Paper 17494, University Library of Munich, Germany. [Downloadable!]

  3. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Are Trade Creditors Relationship Lenders?," Discussion papers 06026, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]

    Cited by:

    1. TSURUTA Daisuke, 2007. "Credit Contagion and Trade Credit Supply: Evidence from Small Business Data in Japan," Discussion papers 07043, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    2. WATANABE Wako, 2007. "How Do Relationship Lenders Price Loans to Small Firms?: "Hold-Up" Costs, Transparency, and Private and Public Security," Discussion papers 07058, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    3. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "Loan Officers and Relationship Lending," Discussion papers 06031, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    4. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Bank Size and Lending Relationships in Japan," Discussion papers 06029, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
      Other versions:
    5. Santiago Carbó Valverde & Francisco Rodríguez-Fernández & Gregory F. Udell, 2008. "Bank lending, financing constraints and SME investment," Working Paper Series WP-08-04, Federal Reserve Bank of Chicago. [Downloadable!]
    6. TSURUTA Daisuke, 2009. "Customer Relationships and the Provision of Trade Credit during a Recession," Discussion papers 09043, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]

  4. Masaji Kano & Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Information Verifiability, Bank Organization, Bank Competition and Bank-Borrower Relationships," Discussion papers 06003, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]

    Cited by:

    1. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "SME financing and the choice of lending technology," Discussion papers 06025, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    2. Hirofumi Uchida & Gregory F.Udell & Wako Watanabe, 2007. "Bank Size and Lending Relationships in Japan," NBER Working Papers 13005, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    3. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Are Trade Creditors Relationship Lenders?," Discussion papers 06026, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    4. G. De Masi & Y. Fujiwara & M. Gallegati & B. Greenwald & J. E. Stiglitz, 2009. "An Analysis of the Japanese Credit Network," Quantitative Finance Papers 0901.2384, arXiv.org. [Downloadable!]
    5. Hirofumi Uchida, 2006. "Empirical Determinants of Bargaining Power," Discussion papers 06030, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    6. Yoshi Fujiwara & Hideaki Aoyama & Yuichi Ikeda & Hiroshi Iyetomi & Wataru Souma, 2009. "Structure and temporal change of the credit network between banks and large firms in Japan," Quantitative Finance Papers 0901.2377, arXiv.org, revised May 2009. [Downloadable!]
    7. Fujiwara, Yoshi & Aoyama, Hideaki & Ikeda, Yuichi & Iyetomi, Hiroshi & Souma, Wataru, 2009. "Structure and Temporal Change of Credit Network between Banks and Large Firms in Japan," Economics Discussion Papers 2009-1, Kiel Institute for the World Economy. [Downloadable!]
    8. WATANABE Wako, 2007. "How Do Relationship Lenders Price Loans to Small Firms?: "Hold-Up" Costs, Transparency, and Private and Public Security," Discussion papers 07058, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    9. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "Loan Officers and Relationship Lending," Discussion papers 06031, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    10. Wako WATANABE, 2005. "How Are Loans by Their Main Bank Priced? Bank Effects, Information and Non-price Terms of Contract," Discussion papers 05028, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    11. Iyetomi, Hiroshi & Ikeda, Yuichi & Aoyama, Hideaki & Fujiwara, Yoshi & Souma, Wataru, 2009. "Structure and Temporal Change of the Credit Network between Banks and Large Firms in Japan," Economics - The Open-Access, Open-Assessment E-Journal, Kiel Institute for the World Economy, vol. 3(7), pages 1-18. [Downloadable!]

  5. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Bank Size and Lending Relationships in Japan," Discussion papers 06029, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    Other versions:
    Published as:

    Cited by:

    1. Yoshi Fujiwara & Hideaki Aoyama & Yuichi Ikeda & Hiroshi Iyetomi & Wataru Souma, 2009. "Structure and temporal change of the credit network between banks and large firms in Japan," Quantitative Finance Papers 0901.2377, arXiv.org, revised May 2009. [Downloadable!]
    2. Masami Imai & Seitaro Takarabe, 2009. "Transmission of Liquidity Shock to Bank Credit: Evidence from the Deposit Insurance Reform in Japan," Wesleyan Economics Working Papers 2009-001, Wesleyan University, Department of Economics. [Downloadable!]
    3. OGAWA Kazuo & Elmer STERKEN & TOKUTSU Ichiro, 2007. "Multiple Bank Relationships and the Main Bank System: Evidence from a Matched Sample of Japanese Small Firms and Main Banks," Discussion papers 07027, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    4. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2008. "Loan officers and relationship lending to SMEs," Working Paper Series 2008-17, Federal Reserve Bank of San Francisco. [Downloadable!]
      Other versions:
    5. WATANABE Wako, 2007. "How Do Relationship Lenders Price Loans to Small Firms?: "Hold-Up" Costs, Transparency, and Private and Public Security," Discussion papers 07058, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    6. Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Discussion Paper 2007-018, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]

  6. Berger, Allen N. & Clarke, George R. G. & Cull, Robert & Klapper, Leora & Udell, Gregory F., 2005. "Corporate governance and bank performance : a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership," Policy Research Working Paper Series 3632, The World Bank. [Downloadable!]
    Published as:

    Cited by:

    1. Nakane, Marcio I. & Weintraub, Daniela B., 2005. "Bank privatization and productivity : evidence for Brazil," Policy Research Working Paper Series 3666, The World Bank. [Downloadable!]
    2. Márcio I. Nakane & Daniela B. Weintraub, 2004. "Bank Privatization and Productivity: Evidence for Brazil," Working Papers Series 90, Central Bank of Brazil, Research Department. [Downloadable!]
    3. Berger, Allen N. & Udell, Gregory F., 2005. "A more complete conceptual framework for financing of small and medium enterprises," Policy Research Working Paper Series 3795, The World Bank. [Downloadable!]
    4. Dubravko Mihaljek, 2006. "Privatisation, consolidation and the increased role of foreign banks," BIS Papers chapters, in: Bank for International Settlements (ed.), The banking system in emerging economies: how much progress has been made?, volume 28, pages 41-65 Bank for International Settlements. [Downloadable!]
    5. Micco, Alejandro & Panizza, Ugo & Yañez, Monica, 2006. "Bank Ownership and Performance Does Politics Matter?," P.O.L.I.S. department's Working Papers 62, Department of Public Policy and Public Choice - POLIS. [Downloadable!]
      Other versions:
    6. Olena Havrylchyk & Emilia Jurzyk, 2005. "Profitability of Foreign and Domestic Banks in Central and Eastern Europe : Does the Mode of Entry Matter?," Working Papers 2005-21, CEPII research center. [Downloadable!]
      Other versions:
    7. Berger, Allen N. & Klapper, Leora F. & Martinez Peria, Maria Soledad & Zaidi, Rida, 2006. "Bank ownership type and banking relationships," Policy Research Working Paper Series 3862, The World Bank. [Downloadable!]
      Other versions:
    8. Claessens, Stijn, 2006. "Competitive implications of cross-border banking," Policy Research Working Paper Series 3854, The World Bank. [Downloadable!]
    9. Mohamed Ariff & Luc Can, 2009. "IMF Bank-Restructuring Efficiency Outcomes: Evidence from East Asia," Journal of Financial Services Research, Springer, vol. 35(2), pages 167-187, April. [Downloadable!] (restricted)
    10. Berger , Allen N & Hasan , Iftekhar & Zhou, Mingming, 2007. "Bank ownership and efficiency in China: what lies ahead in the world’s largest nation?," Research Discussion Papers 16/2007, Bank of Finland. [Downloadable!]
    11. Mikel Larreina, 2008. "Financial centres in peripheral regions: the effect of the financial services industry on regional economy - the case of the Scottish Financial cluster," CRIEFF Discussion Papers 0805, Centre for Research into Industry, Enterprise, Finance and the Firm. [Downloadable!]
    12. Claessens, Stijn & van Horen, Neeltje, 2009. "Being a foreigner among domestic banks: Asset or liability?," MPRA Paper 13467, University Library of Munich, Germany. [Downloadable!]
      Other versions:
    13. Holm, Claus & Schøler, Finn, 2008. "Reduction of Asymmetric Information through Corporate Governance Mechanisms : The Importance of Ownership Dispersion and International," Accounting Research Center Working Papers A-2008-02, University of Aarhus, Aarhus School of Business, Department of Business Studies. [Downloadable!]

  7. Berger, Allen N. & Udell, Gregory F., 2005. "A more complete conceptual framework for financing of small and medium enterprises," Policy Research Working Paper Series 3795, The World Bank. [Downloadable!]

    Cited by:

    1. Beck, Thorsten, 2006. "Creating an efficient financial system : challenges in a global economy," Policy Research Working Paper Series 3856, The World Bank. [Downloadable!]
    2. 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)
    3. De Haas, Ralph & Naaborg, Ilko, 2006. "Foreign banks in transition countries. To whom do they lend and how are they financed?," MPRA Paper 6320, University Library of Munich, Germany. [Downloadable!]
    4. Stephanou, Constantinos & Rodriguez, Camila, 2008. "Bank financing to small and medium-sized enterprises (SMEs) in Colombia," Policy Research Working Paper Series 4481, The World Bank. [Downloadable!]
    5. Demirguc-Kunt, Asli, 2006. "Finance and economic development : policy choices for developing countries," Policy Research Working Paper Series 3955, The World Bank. [Downloadable!]
    6. Belén Gill de Albornoz Noguer & Manuel Illueca Muñoz, 2007. "La calidad de los ajustes por devengo no afecta al coste de la deuda de las PYMES españolas," Investigaciones Economicas, Fundación SEPI, vol. 31(1), pages 79-117, January. [Downloadable!]

  8. Berger, Allen N. & Rosen, Richard J. & Udell, Gregory F., 2005. "Does Market Size Structure Affect Competition? The Case of Small Business Lending," CEI Working Paper Series 2005-8, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University. [Downloadable!]
    Published as:

    Cited by:

    1. Cosci Stefania & Meliciani Valentina, 2007. "The role of screening and cross-selling in bank-firm relationships," wp.comunite 0033, Department of Communication, University of Teramo. [Downloadable!]
    2. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    3. Vinicius Carrasco & João Manoel Pinho de Mello, 2006. "Relationship lending: Is it Incentives or hidden information?," Textos para discussão 519, Department of Economics PUC-Rio (Brazil). [Downloadable!]
    4. Richard J. Rosen, 2003. "Banking market conditions and deposit interest rates," Working Paper Series WP-03-19, Federal Reserve Bank of Chicago. [Downloadable!]
    5. Gianni De Nicoló & John H. Boyd & Abu M. Jalal, 2009. "Bank Competition, Risk and Asset Allocations," IMF Working Papers 09/143, International Monetary Fund. [Downloadable!]
    6. Andrea M. Maechler & Sandra Marcelino & Paulo Flavio Nacif Drummond, 2007. "Italy-Assessing Competition and Efficiency in the Banking System," IMF Working Papers 07/26, International Monetary Fund. [Downloadable!]
    7. Robin A. Prager & John D. Wolken, 2008. "The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances," Finance and Economics Discussion Series 2008-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    8. Sherrill Shaffer, 2008. "Financial Performance Of Small Business Loans: Indirect Evidence," CAMA Working Papers 2008-28, Australian National University, Centre for Applied Macroeconomic Analysis. [Downloadable!]
    9. Gennaioli, Nicola & Rossi, Stefano, 2008. "Judicial Discretion in Corporate Bankruptcy," CEI Working Paper Series 2008-5, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University. [Downloadable!]
    10. Gennaioli, Nicola & Rossi, Stefano, 2008. "Optimal Resolutions of Financial Distress by Contract," CEI Working Paper Series 2008-6, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University. [Downloadable!]
    11. Richard J. Rosen, 2005. "Switching primary federal regulators: is it beneficial for U.S. banks?," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q III, pages 16-23. [Downloadable!]
    12. Kwangwoo Park & George Pennacchi, 2007. "Harming depositors and helping borrowers: the disparate impact of bank consolidation," Working Paper 0704, Federal Reserve Bank of Cleveland. [Downloadable!]
    13. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    14. Judit Montoriol-Garriga, 2008. "Bank mergers and lending relationships," Working Paper Series 934, European Central Bank. [Downloadable!]
    15. Tara Rice & Philip E. Strahan, 2008. "Does credit supply affect small-firm finance?," Finance and Economics Discussion Series 2008-54, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    16. Richard J. Rosen & Scott B. Smart & Chad J. Zutter, 2005. "Why do firms go public? evidence from the banking industry," Working Paper Series WP-05-17, Federal Reserve Bank of Chicago. [Downloadable!]

  9. Arnoud Boot & Anjan V. Thakor & Gregory F. Udell, 2004. "Competition, Risk Neutrality and Loan Commitments," Finance 0411051, EconWPA. [Downloadable!]
    Published as:

    Cited by:

    1. Ozgur Emre Ergungor, 2000. "Relationship loans and information exploitability in a competitive market: loan commitments vs. spot loans," Working Paper 0013, Federal Reserve Bank of Cleveland. [Downloadable!]
    2. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," Center for Financial Institutions Working Papers 03-01, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    3. George Sofianos & Arie Melnik & Paul Wachtel, 1991. "Loan Commitments and Monetary Policy," NBER Working Papers 2232, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    4. Sangkyun Park, 1997. "Option value of credit lines as an explanation of high credit card rates," Research Paper 9702, Federal Reserve Bank of New York. [Downloadable!]
    5. Dominik Egli & Steven Ongena & David C. Smith, 2002. "On the sequencing of projects, reputation building, and relationship finance," International Finance Discussion Papers 718, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    6. Allen N. Berger & Marco A. Espinosa-Vega & W. Scott Frame & Nathan H. Miller, 2004. "Debt maturity, risk, and asymmetric information," Finance and Economics Discussion Series 2004-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    7. Robert B. Avery & Allen N. Berger, 1990. "Loan commitments and bank risk exposure," Working Paper 9015, Federal Reserve Bank of Cleveland. [Downloadable!]
      Other versions:
    8. Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll, 2004. "Loan commitments and private firms," Finance and Economics Discussion Series 2004-27, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    9. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," NBER Working Papers 9956, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)

  10. Bakker, Marie-Renee & Klapper, Leora & Udell, Gregory F., 2004. "Financing small and medium-size enterprises with factoring: global growth and its potential in eastern Europe," Policy Research Working Paper Series 3342, The World Bank. [Downloadable!]

    Cited by:

    1. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "SME financing and the choice of lending technology," Discussion papers 06025, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    2. Berger, Allen N. & Udell, Gregory F., 2005. "A more complete conceptual framework for financing of small and medium enterprises," Policy Research Working Paper Series 3795, The World Bank. [Downloadable!]
    3. De Haas, Ralph & Naaborg, Ilko, 2006. "Foreign banks in transition countries. To whom do they lend and how are they financed?," MPRA Paper 6320, University Library of Munich, Germany. [Downloadable!]
    4. Ralph de Haas & Ilko Naaborg, 2005. "Foreign Banks in Transition Economies: Small Business Lending and Internal Capital Markets," International Finance 0504004, EconWPA. [Downloadable!]

  11. Anjan V. Thakor & Gregory F. Udell, 2004. "An Economic Rationale for the Pricing Structure of Bank Loan Commitments," Finance 0411053, EconWPA. [Downloadable!]
    Published as:

    Cited by:

    1. Ozgur Emre Ergungor, 2000. "Relationship loans and information exploitability in a competitive market: loan commitments vs. spot loans," Working Paper 0013, Federal Reserve Bank of Cleveland. [Downloadable!]
    2. James R. Booth & Lena Chua, 1995. "Structure and pricing of large bank loans," Economic Review, Federal Reserve Bank of San Francisco, pages 52-62. [Downloadable!]
    3. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," Center for Financial Institutions Working Papers 03-01, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    4. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    5. O. Emre Ergungor, 2002. "Community banks as small business lenders: the tough road ahead," Working Paper 0203, Federal Reserve Bank of Cleveland. [Downloadable!]
    6. Arnoud Boot & Anjan V. Thakor & Gregory F. Udell, 2004. "Competition, Risk Neutrality and Loan Commitments," Finance 0411051, EconWPA. [Downloadable!]
      Other versions:
    7. Issam Hallak, 2003. "Bank Loans Non-Linear Structure of Pricing: Empirical Evidence from Sovereign Debts," CFS Working Paper Series 2003/33, Center for Financial Studies. [Downloadable!]
    8. Sangkyun Park, 2004. "Consumer rationality and credit card pricing: An explanation based on the option value of credit lines," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 25(5), pages 243-254. [Downloadable!]
    9. Robert B. Avery & Allen N. Berger, 1990. "Loan commitments and bank risk exposure," Working Paper 9015, Federal Reserve Bank of Cleveland. [Downloadable!]
      Other versions:
    10. Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll, 2004. "Loan commitments and private firms," Finance and Economics Discussion Series 2004-27, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    11. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," NBER Working Papers 9956, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    12. Issam Hallak, 2001. "The Determinants of Up-Front Fees on Bank Loans to LDC Sovereigns," Economics Series Working Papers 075, University of Oxford, Department of Economics. [Downloadable!]

  12. Robert DeYoung & William C. Hunter & Gregory F. Udell, 2003. "The past, present, and probable future for community banks," Working Paper Series WP-03-14, Federal Reserve Bank of Chicago. [Downloadable!]
    Published as:

    Cited by:

    1. Gabriel Jiménez & Vicente Salas-Fumás & Jesús Saurina, 2008. "Organizational distance and use of collateral for business loans," Banco de España Working Papers 0816, Banco de España. [Downloadable!]
    2. Allen N. Berger & Adrian M. Cowan & W. Scott Frame, 2009. "The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk," Working Paper 2009-09, Federal Reserve Bank of Atlanta. [Downloadable!]
    3. Robert DeYoung & Anne Gron & Andrew Winton, 2005. "Risk overhang and loan portfolio decisions," Working Paper Series WP-05-04, Federal Reserve Bank of Chicago. [Downloadable!]
    4. Robert DeYoung & Evren Örs, 2004. "Advertising and pricing at multiple-output firms: evidence from U.S. thrift institutions," Working Paper Series WP-04-25, Federal Reserve Bank of Chicago. [Downloadable!]
    5. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence J. White, 2005. "The effects of competition from large, multimarket firms on the performance of small, single-market firms: evidence from the banking industry," Finance and Economics Discussion Series 2005-15, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    6. Martin Cihák & Klaus Schaeck & Simon Wolfe, 2006. "Are More Competitive Banking Systems More Stable?," IMF Working Papers 06/143, International Monetary Fund. [Downloadable!]
    7. Bongini, Paola & Di Battista, Maria Luisa & Zavarrone, Emma, 2006. "David and Goliath: small banks in an era of consolidation. Evidence from Italy," MPRA Paper 4841, University Library of Munich, Germany. [Downloadable!]
    8. Robin A. Prager & John D. Wolken, 2008. "The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances," Finance and Economics Discussion Series 2008-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    9. Jessica Holmes & Jonathan Isham & Ryan Petersen & Paul Sommers, 2005. "Does Relationship Lending Still Matter in the Consumer Banking Sector? Evidence from Two Financial Service Organizations in Vermont," Middlebury College Working Paper Series 0511, Middlebury College, Department of Economics. [Downloadable!]
    10. Antonio Lopes & Luca Giordano, 2006. "Risk Preference and Investments Quality as Determinants of Efficiency in the Italian Banking System," Quaderni DSEMS 12-2006, Dipartimento di Scienze Economiche, Matematiche e Statistiche, Universita' di Foggia. [Downloadable!]
    11. Alton Gilbert, 2007. "The future of small banks," Supervisory Policy Analysis Working Papers 2007-02, Federal Reserve Bank of St. Louis. [Downloadable!]
    12. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    13. Örs, Evren, 2006. "The Role of Advertising in Commercial Banking," CEPR Discussion Papers 5461, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    14. Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Discussion Paper 2007-018, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]
    15. R. Alton Gilbert & David C. Wheelock, 2007. "Measuring commercial bank profitability: proceed with caution," Review, Federal Reserve Bank of St. Louis, issue Nov, pages 515-532. [Downloadable!]
    16. Acharya, Ram N. & Kagan, Albert & Richards, Timothy J., 2006. "Profitability and Long-term Survival of Community Banks: Evidence from Texas," 2006 Annual meeting, July 23-26, Long Beach, CA 21453, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association). [Downloadable!]
    17. Richards, Timothy J. & Acharya, Ram N. & Kagan, Albert, 2007. "Spatial Competition and Market Power in Banking," 2007 1st Forum, February 15-17, 2007, Innsbruck, Austria 6566, International European Forum on Innovation and System Dynamics in Food Networks. [Downloadable!]
    18. Jessica A. Holmes & Jonathan T. Isham & Paul M. Sommers, 2007. "Is George Bailey Dead?," Applied Financial Economics Letters, Taylor and Francis Journals, vol. 3(1), pages 19-24, January. [Downloadable!] (restricted)

  13. Allen N. Berger & Gregory F. Udell, 2003. "The institutional memory hypothesis and the procyclicality of bank lending behavior," Finance and Economics Discussion Series 2003-02, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    Other versions:
    Published as:

    Cited by:

    1. Mario Quagliariello, . "Banks' Performance over the Business Cycle: A Panel Analysis on Italian Intermediaries," Discussion Papers 04/17, Department of Economics, University of York. [Downloadable!]
    2. Michele Fratianni & Francesco Marchionne, 2009. "The Role of Banks in the Subprime Financial Crisis," Working Papers 2009-02, Indiana University, Kelley School of Business, Department of Business Economics and Public Policy. [Downloadable!]
      Other versions:
    3. Allen N. Berger & Christa H.S. Bouwman, 2005. "Bank liquidity creation and bank capital," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 223-228. [Downloadable!]
    4. Robert DeYoung & Anne Gron & Andrew Winton, 2005. "Risk overhang and loan portfolio decisions," Working Paper Series WP-05-04, Federal Reserve Bank of Chicago. [Downloadable!]
    5. Michele Fratianni & Francesco Marchionne, 2009. "Rescuing Banks from the Effects of the Financial Crisis," Working Papers 2009-04, Indiana University, Kelley School of Business, Department of Business Economics and Public Policy. [Downloadable!]
      Other versions:
    6. Herrala, Risto, 2009. "Credit crunch? An empirical test of cyclical credit policy," Research Discussion Papers 10/2009, Bank of Finland. [Downloadable!]
    7. Vincent Bouvatier & Laetitia Lepetit, 2006. "Banks' procyclicality behavior : does provisioning matter ?," Université Paris1 Panthéon-Sorbonne (Post-Print and Working Papers) halshs-00115622_v1, HAL. [Downloadable!]
      Other versions:
    8. Dell''Ariccia, Giovanni & Marquez, Robert, 2005. "Lending Booms and Lending Standards," CEPR Discussion Papers 5095, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
      Other versions:
    9. Dell''Ariccia, Giovanni & Igan, Deniz & Laeven, Luc, 2008. "Credit Booms and Lending Standards: Evidence From The Subprime Mortgage Market," CEPR Discussion Papers 6683, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
      Other versions:
    10. Annick Bruggeman & Marie Donnay, 2003. "A monthly monetary model with banking intermediation for the euro area," Working Paper Series 264, European Central Bank. [Downloadable!]
    11. Carlo Brambilla & Giandomenico Piluso, 2007. "Are Banks Procyclical? Evidence from the Italian Case (1890-1973)," Department of Economics University of Siena 523, Department of Economics, University of Siena. [Downloadable!]
    12. E Philip Davis & Haibin Zhu, 2004. "Commercial property prices and bank performance," Economics and Finance Discussion Papers 04-19, Economics and Finance Section, School of Social Sciences, Brunel University. [Downloadable!]
      Other versions:
    13. Das, Abhiman & Ghosh, Saibal, 2007. "Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation," MPRA Paper 17301, University Library of Munich, Germany. [Downloadable!]
    14. Jesus, Saurina & Gabriel, Jimenez, 2006. "Credit Cycles, Credit Risk, and Prudential Regulation," MPRA Paper 718, University Library of Munich, Germany. [Downloadable!]
    15. de Haas, Ralph & van Horen, Neeltje, 2009. "The crisis as a wake-up call. Do banks tighten screening and monitoring standards during a financial crisis?," MPRA Paper 14164, University Library of Munich, Germany. [Downloadable!]
    16. Gabriel Jiménez & Jesús Saurina, 2006. "Credit Cycles, Credit Risk, and Prudential Regulation," International Journal of Central Banking, International Journal of Central Banking, vol. 2(2), May. [Downloadable!]
    17. Acharya, Viral V & Yorulmazer, Tanju, 2003. "Information Contagion and Inter-Bank Correlation in a Theory of Systemic Risk," CEPR Discussion Papers 3743, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    18. Christopher F Baum & Mustafa Caglayan & Neslihan Ozkan, 2005. "The second moments matter: The response of bank lending behaviour to macroeconomic uncertainty," Working Papers 2005_27, Department of Economics, University of Glasgow. [Downloadable!]
      Other versions:
    19. Gabriel Jiménez & Jesús Saurina, 2005. "Credit cycles, credit risk, and prudential regulation," Banco de España Working Papers 0531, Banco de España. [Downloadable!]

  14. Allen N. Berger & Richard J. Rosen & Gregory F. Udell, 2001. "The effect of market size structure on competition: the case of small business lending," Working Paper Series WP-01-10, Federal Reserve Bank of Chicago. [Downloadable!]
    Other versions:

    Cited by:

    1. William Keeton, 2003. "The role of community banks in the U.S. economy," Economic Review, Federal Reserve Bank of Kansas City, issue Q II, pages 15-43. [Downloadable!]
    2. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    3. Degryse, H. & Ongena, S., 2002. "Distance, lending relationships, and competition," Discussion Paper 16, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:
    4. Erel, Isil, 2007. "The Effect of Bank Mergers on Loan Prices: Evidence from the U.S," Working Paper Series 2006-19, Ohio State University, Charles A. Dice Center for Research in Financial Economics. [Downloadable!]
    5. David Carter & James McNulty & James Verbrugge, 2004. "Do Small Banks have an Advantage in Lending? An Examination of Risk-Adjusted Yields on Business Loans at Large and Small Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 233-252, April. [Downloadable!] (restricted)
    6. Douglas D. Evanoff & Evren Ors, 2002. "Local market consolidation and bank productive efficiency," Working Paper Series WP-02-25, Federal Reserve Bank of Chicago. [Downloadable!]
    7. Jonathan Scott, 2004. "Small Business and the Value of Community Financial Institutions," Journal of Financial Services Research, Springer, vol. 25(2), pages 207-230, April. [Downloadable!] (restricted)

  15. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    Published as:

    Cited by:

    1. Cerqueiro, G.M. & Degryse, H.A. & Ongena, S., 2007. "Rules versus Discretion in Loan Rate Setting," Discussion Paper 2007-59, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:
    2. Alexander Conrad & Doris Neuberger & Maria Schneider-Reißig, 2008. "Geographic and Demographic Bank Outreach: Evidence from Germany’s Three-Pillar Banking System," Thuenen-Series of Applied Economic Theory 98, University of Rostock, Institute of Economics, Germany. [Downloadable!]
    3. Valentina Hartarska & Steven B. Caudill & Daniel M. Gropper, 2006. "The Cost Structure Of Microfinance Institutions In Eastern Europe And Central Asia," William Davidson Institute Working Papers Series wp809, William Davidson Institute at the University of Michigan Stephen M. Ross Business School. [Downloadable!]
    4. Mark Carlson & Kris James Mitchener, 2007. "Branch Banking as a Device for Discipline: Competition and Bank Survivorship During the Great Depression," NBER Working Papers 12938, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    5. Allen N. Berger & Marco A. Espinosa-Vega & W. Scott Frame & Nathan H. Miller, 2007. "Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information," Working Paper 2006-29, Federal Reserve Bank of Atlanta. [Downloadable!]
    6. Luca Grilli, 2005. "Internet start-ups access to the bank loan market: evidence from Italy," Applied Economics, Taylor and Francis Journals, vol. 37(3), pages 293-305, February. [Downloadable!] (restricted)
    7. Berger, Allen N. & Udell, Gregory F., 2005. "A more complete conceptual framework for financing of small and medium enterprises," Policy Research Working Paper Series 3795, The World Bank. [Downloadable!]
    8. Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Finance 0404017, EconWPA. [Downloadable!]
      Other versions:
    9. 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)
    10. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    11. Robert DeYoung & William Hunter & Gregory Udell, 2004. "The Past, Present, and Probable Future for Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 85-133, April. [Downloadable!] (restricted)
      Other versions:
    12. De Haas, Ralph & Naaborg, Ilko, 2006. "Foreign banks in transition countries. To whom do they lend and how are they financed?," MPRA Paper 6320, University Library of Munich, Germany. [Downloadable!]
    13. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Are Trade Creditors Relationship Lenders?," Discussion papers 06026, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    14. Kaie Kerem & Vello Vensel, 2005. "Theory and Empirical Evidence of Business Support Networks," Working Papers 129, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    15. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    16. David de Meza, 2002. "Overlending?," Economic Journal, Royal Economic Society, vol. 112(477), pages F17-F31, February. [Downloadable!] (restricted)
    17. Jessica Holmes & Jonathan Isham & Jessica Wasilewski, 2004. "Overcoming Information Asymmetries in Low-Income Lending: Lessons from the 'Working Wheels' Program," Middlebury College Working Paper Series 0244r, Middlebury College, Department of Economics. [Downloadable!]
      Other versions:
    18. Jalal Akhavein & Lawrence Goldberg & Lawrence White, 2004. "Small Banks, Small Business, and Relationships: An Empirical Study of Lending to Small Farms," Journal of Financial Services Research, Springer, vol. 26(3), pages 245-261, December. [Downloadable!] (restricted)
    19. Robert E. Carpenter & Bruce C. Petersen, 2002. "Capital Market Imperfections, High-Tech Investment, and New Equity Financing," Economic Journal, Royal Economic Society, vol. 112(477), pages F54-F72, February. [Downloadable!] (restricted)
    20. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence J. White, 2005. "The effects of competition from large, multimarket firms on the performance of small, single-market firms: evidence from the banking industry," Finance and Economics Discussion Series 2005-15, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    21. Erel, Isil, 2007. "The Effect of Bank Mergers on Loan Prices: Evidence from the U.S," Working Paper Series 2006-19, Ohio State University, Charles A. Dice Center for Research in Financial Economics. [Downloadable!]
    22. Paul Wachtel & Rainer Haselmann, 2006. "Institutions and Bank Behavior," Working Papers 06-16, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
    23. Vinicius Carrasco & João Manoel Pinho de Mello, 2006. "Relationship lending: Is it Incentives or hidden information?," Textos para discussão 519, Department of Economics PUC-Rio (Brazil). [Downloadable!]
    24. Martin Cihák & Klaus Schaeck & Simon Wolfe, 2006. "Are More Competitive Banking Systems More Stable?," IMF Working Papers 06/143, International Monetary Fund. [Downloadable!]
    25. Godbillon-Camus, Brigitte & Godlewski, Christophe, 2005. "Credit risk management in banks: Hard information, soft Information and manipulation," MPRA Paper 1873, University Library of Munich, Germany. [Downloadable!]
    26. Kevin Stiroh, 2004. "Do Community Banks Benefit from Diversification?," Journal of Financial Services Research, Springer, vol. 25(2), pages 135-160, April. [Downloadable!] (restricted)
    27. William Kerr & Ramana Nanda, 2006. "Democratizing Entry: Banking Deregulations, Financing Constraints, and Entrepreneurship," Harvard Business School Working Papers 07-033, Harvard Business School, revised Oct 2008. [Downloadable!]
      Other versions:
    28. Bongini, Paola & Di Battista, Maria Luisa & Zavarrone, Emma, 2006. "David and Goliath: small banks in an era of consolidation. Evidence from Italy," MPRA Paper 4841, University Library of Munich, Germany. [Downloadable!]
    29. Robin A. Prager & John D. Wolken, 2008. "The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances," Finance and Economics Discussion Series 2008-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    30. Christine Marsal, 2009. "L’évaluation des performances et le degré d’autonomie des acteurs locaux:le cas des banques de réseau - Performance measurement and allocation of decision rights:the case of retail banking," Working Papers FARGO 1090403, Université de Bourgogne - Latec/Fargo (Research center in Finance,organizational ARchitecture and GOvernance). [Downloadable!]
    31. John R. Walter & Patricia E. Wescott, 2008. "Antitrust analysis in banking : goals, methods, and justifications in a changed environment," Economic Quarterly, Federal Reserve Bank of Richmond, issue Win, pages 45-72. [Downloadable!]
    32. Allen N. Berger & W. Scott Frame & Nathan H. Miller, 2002. "Credit scoring and the availability, price, and risk of small business credit," Working Paper 2002-6, Federal Reserve Bank of Atlanta. [Downloadable!]
      Other versions:
    33. Ogujiuba Kanayo & Ohuche Friday & Adenuga Adeniyi, 2004. "Credit Availability to Small and Medium Scale Enterprises in," Macroeconomics 0411002, EconWPA. [Downloadable!]
    34. Sherrill Shaffer, 2008. "Financial Performance Of Small Business Loans: Indirect Evidence," CAMA Working Papers 2008-28, Australian National University, Centre for Applied Macroeconomic Analysis. [Downloadable!]
    35. Berger, Allen N. & Rosen, Richard J. & Udell, Gregory F., 2005. "Does Market Size Structure Affect Competition? The Case of Small Business Lending," CEI Working Paper Series 2005-8, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University. [Downloadable!]
      Other versions:
    36. Rodrigo Canales & Ramana Nanda, 2008. "Bank Structure and the Terms of Lending to Small Businesses," Harvard Business School Working Papers 08-101, Harvard Business School. [Downloadable!]
    37. WATANABE Wako, 2007. "How Do Relationship Lenders Price Loans to Small Firms?: "Hold-Up" Costs, Transparency, and Private and Public Security," Discussion papers 07058, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    38. Enzo Dia, 2004. "Imperfect Information and Monopolistic Pricing in the Banking Industry," Working Papers 74, University of Milano-Bicocca, Department of Economics, revised May 2004. [Downloadable!]
    39. Alberto Zazzaro, 2006. "La scomparsa dei centri decisionali dal sistema bancario meridionale," Rivista di Politica Economica, SIPI Spa, vol. 96(2), pages 31-60, March-Apr. [Downloadable!]
      Other versions:
    40. Dorothea Schäfer & Axel Werwatz & Volker Zimmermann, 2003. "The Determinants of Debt and (Private-) Equity Financing in Young Innovative SMEs: Evidence from Germany," CFS Working Paper Series 2004/06, Center for Financial Studies. [Downloadable!]
      Other versions:
    41. Ginés Hernández Cánovas & Pedro Martínez Solano, 2003. "Relaciones Bancarias Y Sus Efectos Sobre Los Términos De La Deuda En Las Pymes," Working Papers. Serie EC 2003-07, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie). [Downloadable!]
    42. Sugato Chakravarty & Tansel Yilmazer, 2005. "A re-examination of the role of relationships in the loan-granting process," Proceedings, Federal Reserve Bank of Chicago, issue Apr. [Downloadable!]
    43. Jessica Holmes & Jonathan Isham & Ryan Petersen & Paul Sommers, 2005. "Does Relationship Lending Still Matter in the Consumer Banking Sector? Evidence from Two Financial Service Organizations in Vermont," Middlebury College Working Paper Series 0511, Middlebury College, Department of Economics. [Downloadable!]
    44. Czarnitzki, Dirk & Binz, Hanna L., 2008. "R&D Investment and Financing Constraints of Small and Medium-Sized Firm," ZEW Discussion Papers 08-047, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research. [Downloadable!]
    45. Kenneth P. Brevoort & John D. Wolken, 2008. "Does distance matter in banking?," Finance and Economics Discussion Series 2008-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    46. Mariassunta Giannetti & Steven Ongena, 2005. "Financial integration and entrepreneurial activity - evidence from foreign bank entry in emerging markets," Working Paper Series 498, European Central Bank. [Downloadable!]
      Other versions:
    47. Ralph de Haas & Ilko Naaborg, 2005. "Does Foreign Bank Entry Reduce Small Firms' Access to Credit? Evidence from European Transition Economies," DNB Working Papers 050, Netherlands Central Bank, Research Department. [Downloadable!]
    48. Vello Vensel, 2004. "Operation of Business Supporting Networks: Evidence from an EU Candidate Country," Working Papers 117, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    49. Karel Janda, 2008. "Which Government Interventions Are Good in Alleviating Credit Market Failures?," Working Papers IES 2008/12, Charles University Prague, Faculty of Social Sciences, Institute of Economic Studies, revised Jul 2008. [Downloadable!]
    50. Giorgio Gobbi & Francesca Lotti, 2004. "Entry Decisions and Adverse Selection: An Empirical Analysis of Local Credit Markets," Journal of Financial Services Research, Springer, vol. 26(3), pages 225-244, December. [Downloadable!] (restricted)
      Other versions:
    51. Enrico Colombatto & Arie Melnik, 2008. "The Capital Structure of Young Firms and the Working Experience of New Entrepreneurs," ICER Working Papers 08-2008, ICER - International Centre for Economic Research. [Downloadable!]
    52. Kjell Bjørn Nordal, 2006. "Banks’ optimal implementation strategies for a risk sensitive regulatory capital rule: a real options and signalling approach," Working Paper 2006/12, Norges Bank. [Downloadable!]
    53. Jean-François Maystadt, 2004. "Microfinance au Nord : Un effet de mode importé du Sud ?," Mondes en développement, De Boeck Université, vol. 126(2), pages 69-82. [Downloadable!]
    54. Stefano Usai & Marco Vannini, 2004. "Banking structure and Regional Economic Growth: lessons from Italy," Working Paper CRENoS 200417, Centre for North South Economic Research, University of Cagliari and Sassari, Sardinia. [Downloadable!]
      Other versions:
    55. José António Moreira, 2006. "Are Financing Needs a Constraint to Earnings Management? Evidence for Private Portuguese Firms," CETE Discussion Papers 0610, Universidade do Porto, Faculdade de Economia do Porto. [Downloadable!]
    56. Bertocco Giancarlo, 2003. "The economics of financing firms: the role of banks," Economics and Quantitative Methods qf0312, Department of Economics, University of Insubria. [Downloadable!]
    57. Yoonhee Tina Chang, 2004. "Relationship Banking in Bilateral Oligopoly and Asymmetric Information," Econometric Society 2004 Far Eastern Meetings 734, Econometric Society. [Downloadable!]
    58. Berger, Allen N. & Klapper, Leora F. & Martinez Peria, Maria Soledad & Zaidi, Rida, 2006. "Bank ownership type and banking relationships," Policy Research Working Paper Series 3862, The World Bank. [Downloadable!]
      Other versions:
    59. Ralph de Haas, 2006. "Monitoring Costs and Multinational-Bank Lending," DNB Working Papers 088, Netherlands Central Bank, Research Department. [Downloadable!]
    60. Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Discussion Paper 2007-018, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]
    61. Santiago Carbó Valverde & Rafael López del Paso, 2005. "Do non-financial firms react to monetary policy actions as banks do?," ThE Papers 05/03, Department of Economic Theory and Economic History of the University of Granada.. [Downloadable!]
    62. De Haas, Ralph & Ferreira, Daniel & Taci, Anita, 2007. "What determines banks’ customer choice? Evidence from transition countries," MPRA Paper 6319, University Library of Munich, Germany. [Downloadable!]
    63. Jonathan Scott, 2004. "Small Business and the Value of Community Financial Institutions," Journal of Financial Services Research, Springer, vol. 25(2), pages 207-230, April. [Downloadable!] (restricted)
    64. Timo Baas & Mechthild Schrooten, 2005. "Relationship Banking and SMEs: A Theoretical Analysis," Discussion Papers of DIW Berlin 469, DIW Berlin, German Institute for Economic Research. [Downloadable!]
      Other versions:
    65. Ralph de Haas & Ilko Naaborg, 2005. "Foreign Banks in Transition Economies: Small Business Lending and Internal Capital Markets," International Finance 0504004, EconWPA. [Downloadable!]
    66. Bertocco Giancarlo, 2003. "The role of banks in financing small and medium firms," Economics and Quantitative Methods qf0308, Department of Economics, University of Insubria. [Downloadable!]

  16. Berger, Allen N. & Klapper, Leora F. & Udell, Gregory F., 2001. "The ability of banks to lend to informationally opaque small businesses," Policy Research Working Paper Series 2656, The World Bank. [Downloadable!]
    Other versions:
    Published as:

    Cited by:

    1. Doris Neuberger & Solvig Räthke, 2006. "Microenterprises and Multiple Bank Relationships: Evidence from a Survey among Professionals," Thuenen-Series of Applied Economic Theory 61, University of Rostock, Institute of Economics, Germany. [Downloadable!]
    2. Christophe J. Godlewski & Ydriss Ziane, 2008. "How many banks does it take to lend? Empirical evidence from Europe," Working Papers of LaRGE (Laboratoire de Recherche en Gestion et Economie) 2008-11, Laboratoire de Recherche en Gestion et Economie, Université de Strasbourg (France). [Downloadable!]
    3. Agoraki, Maria-Eleni & Delis, Manthos D & Pasiouras, Fotios, 2009. "Regulations, competition and bank risk-taking in transition countries," MPRA Paper 16495, University Library of Munich, Germany. [Downloadable!]
    4. Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Finance 0404017, EconWPA. [Downloadable!]
      Other versions:
    5. 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)
    6. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    7. Arturo Galindo & Fabio Schiantarelli, 2002. "Credit Constraints in Latin America: An Overview of the Micro Evidence," RES Working Papers 3165, Inter-American Development Bank, Research Department. [Downloadable!]
      Other versions:
    8. De Haas, Ralph & Naaborg, Ilko, 2006. "Foreign banks in transition countries. To whom do they lend and how are they financed?," MPRA Paper 6320, University Library of Munich, Germany. [Downloadable!]
    9. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    10. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad & Sanchez, Susana M., 2002. "Bank lending to small businesses in Latin America : does Bank origin matter?," Policy Research Working Paper Series 2760, The World Bank. [Downloadable!]
      Other versions:
    11. Beck, Thorsten & Soledad Martinez Peria, Maria, 2008. "Foreign bank acquisitions and outreach : evidence from Mexico," Policy Research Working Paper Series 4467, The World Bank. [Downloadable!]
    12. Kaie Kerem & Vello Vensel, 2005. "Theory and Empirical Evidence of Business Support Networks," Working Papers 129, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    13. Allen N. Berger & Qinglei Dai & Steven Ongena & David C. Smith, 2002. "To what extent will the banking industry be globalized? a study of bank nationality and reach in 20 European nations," Finance and Economics Discussion Series 2002-25, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    14. Paul Wachtel & Rainer Haselmann, 2006. "Institutions and Bank Behavior," Working Papers 06-16, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
    15. Fungáová, Zuzana & Godlewski , Christophe J. & Weill, Laurent, 2009. "Asymmetric Information and Loan Spreads in Russia: Evidence from Syndicated Loans," BOFIT Discussion Papers 7/2009, Bank of Finland, Institute for Economies in Transition. [Downloadable!]
      Other versions:
    16. Herrero, Alicia Garcia & Martinez Peria, Maria Soledad, 2005. "The mix of international banks'foreign claims : determinants and implications," Policy Research Working Paper Series 3755, The World Bank. [Downloadable!]
      Other versions:
    17. Robert Cull & Stephen Haber & Masami Imai, 2006. "All Bad, All of the Time? Related Lending and Financial Development," Wesleyan Economics Working Papers 2006-015, Wesleyan University, Department of Economics. [Downloadable!]
    18. Godbillon-Camus, Brigitte & Godlewski, Christophe, 2005. "Credit risk management in banks: Hard information, soft Information and manipulation," MPRA Paper 1873, University Library of Munich, Germany. [Downloadable!]
    19. William Kerr & Ramana Nanda, 2006. "Democratizing Entry: Banking Deregulations, Financing Constraints, and Entrepreneurship," Harvard Business School Working Papers 07-033, Harvard Business School, revised Oct 2008. [Downloadable!]
      Other versions:
    20. Wako Watanabe, 2004. "Does a Large Loss of Bank Capital Cause Ever-greening or Flight to Quality?: Evidence from Japan," ISER Discussion Paper 0618, Institute of Social and Economic Research, Osaka University. [Downloadable!]
    21. David Carter & James McNulty & James Verbrugge, 2004. "Do Small Banks have an Advantage in Lending? An Examination of Risk-Adjusted Yields on Business Loans at Large and Small Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 233-252, April. [Downloadable!] (restricted)
    22. Cerutti, Eugenio & Dell'Ariccia, Giovanni & Martinez Peria, Maria Soledad, 2005. "How banks go abroad : branches or subsidiaries ?," Policy Research Working Paper Series 3753, The World Bank. [Downloadable!]
      Other versions:
    23. Masayo Shikimi (Tomiyama), 2005. "Do Firms Benefit from Multiple Banking Relationships?: Evidence from Small and Medium-Sized Firms in Japan," Hi-Stat Discussion Paper Series d04-70, Institute of Economic Research, Hitotsubashi University. [Downloadable!]
    24. Anaïs Hamelin, 2009. "Do small family businesses have a peculiar attitude toward growth? Evidence from French SMEs," Working Papers CEB 09-032.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
    25. Ogujiuba Kanayo & Ohuche Friday & Adenuga Adeniyi, 2004. "Credit Availability to Small and Medium Scale Enterprises in," Macroeconomics 0411002, EconWPA. [Downloadable!]
    26. Elizabeth Laderman, 2006. "Market power and relationships in small business lending," Working Paper Series 2007-07, Federal Reserve Bank of San Francisco. [Downloadable!]
    27. Wako Watanabe, 2004. "Availability of Firms' Information and their Choice of External Credit: Evidence from the Data of Small Firms," Econometric Society 2004 Far Eastern Meetings 545, Econometric Society. [Downloadable!]
    28. Giannetti, Mariassunta & Ongena, Steven, 2008. ""Lending by Example": Direct and Indirect Effects of Foreign Banks in Emerging Markets," CEPR Discussion Papers 6958, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    29. Rodrigo Canales & Ramana Nanda, 2008. "Bank Structure and the Terms of Lending to Small Businesses," Harvard Business School Working Papers 08-101, Harvard Business School. [Downloadable!]
    30. De Haas, Ralph & van Lelyveld, Iman, 2009. "Internal Capital Markets and Lending by Multinational Bank Subsidiaries," MPRA Paper 13164, University Library of Munich, Germany. [Downloadable!]
      Other versions:
    31. Andy Cosh & Douglas Cumming & Alan Hughes, 2005. "Outside Entrepreneurial Capital," ESRC Centre for Business Research - Working Papers wp301, ESRC Centre for Business Research. [Downloadable!]
      Other versions:
    32. Ginés Hernández Cánovas & Pedro Martínez Solano, 2003. "Relaciones Bancarias Y Sus Efectos Sobre Los Términos De La Deuda En Las Pymes," Working Papers. Serie EC 2003-07, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie). [Downloadable!]
    33. Kenneth Daniels & Gabriel Ramirez, 2008. "Information, Credit Risk, Lender Specialization and Loan Pricing: Evidence from the DIP Financing Market," Journal of Financial Services Research, Springer, vol. 34(1), pages 35-59, August. [Downloadable!] (restricted)
    34. Philipp Hartmann & Simone Manganelli & Angela Maddaloni, 2003. "The Euro area financial system: structure, integration and policy initiatives," Working Paper Series 230, European Central Bank. [Downloadable!]
      Other versions:
    35. El?d Takáts, 2004. "Banking consolidation and small business lending," Working Paper Series 407, European Central Bank. [Downloadable!]
    36. Köhler, Matthias & Hommel, Judith & Grote, Matthias, 2006. "The Role of Banks in the Transmission of Monetary Policy in the Baltics," ZEW Discussion Papers 06-05, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research. [Downloadable!]
    37. Ari Hyytinen & Mika Pajarinen, 2001. "Financial Systems and Venture Capital in Nordic Countries: A comparative Study," Discussion Papers 774, The Research Institute of the Finnish Economy. [Downloadable!]
    38. Mariassunta Giannetti & Steven Ongena, 2005. "Financial integration and entrepreneurial activity - evidence from foreign bank entry in emerging markets," Working Paper Series 498, European Central Bank. [Downloadable!]
      Other versions:
    39. Ralph de Haas & Ilko Naaborg, 2005. "Does Foreign Bank Entry Reduce Small Firms' Access to Credit? Evidence from European Transition Economies," DNB Working Papers 050, Netherlands Central Bank, Research Department. [Downloadable!]
    40. Cresenta Fernando & Atreya Chakraborty & Rajiv Mallick, 2002. "The Importance of Being Known: Relationship Banking and Credit Limits," Finance 0209007, EconWPA. [Downloadable!]
    41. Vello Vensel, 2004. "Operation of Business Supporting Networks: Evidence from an EU Candidate Country," Working Papers 117, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    42. Jorge M.Streb & Javier Bolzico & Pablo Druck & Alejandro Henke & José Rutman & Walter Sosa Escudero, 2002. "Bank relationships: effect on the availability and marginal cost of credit for firms in Argentina," CEMA Working Papers: Serie Documentos de Trabajo. 216, Universidad del CEMA. [Downloadable!]
      Other versions:
    43. Annalisa Castelli & Gerald P. Dwyer, Jr. & Iftekhar Hasan, 2006. "Bank relationships and small firms’ financial performance," Working Paper 2006-05, Federal Reserve Bank of Atlanta. [Downloadable!]
    44. Matthias Lücke & Dean Spinanger, 2004. "Liberalisierung des internationalen Handels mit Dienstleistungen: Herausforderungen und Chancen für Entwicklungsländer," Kiel Working Papers 1228, Kiel Institute for the World Economy. [Downloadable!]
    45. Caprio, Gerard & Honohan, Patrick, 2001. "Finance for Growth: Policy Choices in a Volatile World," MPRA Paper 9929, University Library of Munich, Germany. [Downloadable!]
    46. Masami Imai & Seitaro Takarabe, 2009. "Bank Integration and Local Credit Cycle:Evidence from Japan," Wesleyan Economics Working Papers 2009-002, Wesleyan University, Department of Economics. [Downloadable!]
    47. Cull, Robert & Martinez Peria, Maria Soledad, 2007. "Foreign bank participation and crises in developing countries," Policy Research Working Paper Series 4128, The World Bank. [Downloadable!]
    48. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    49. William Kerr & Ramana Nanda, 2009. "Financing Constraints and Entrepreneurship," NBER Working Papers 15498, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    50. Jose Maria Liberti, 2004. "Initiative, Incentives and Soft Information. How Does Delegation Impact The Role of Bank Relationship Managers?," Finance 0404023, EconWPA. [Downloadable!]
    51. Lukas Menkhoff & Doris Neuberger & Chodechai Suwanaporn, 2005. "Collateral-Based Lending in Emerging Markets: Evidence from Thailand," Finance 0501008, EconWPA. [Downloadable!]
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    52. Allen N. Berger & Richard J. Rosen & Gregory F. Udell, 2001. "The effect of market size structure on competition: the case of small business lending," Working Paper Series WP-01-10, Federal Reserve Bank of Chicago. [Downloadable!]
      Other versions:
    53. Ortiz-Molina, H. & Penas, M.F., 2004. "Lending to small business : the role of loan maturity in adressing information problems," Discussion Paper 99, Tilburg University, Center for Economic Research. [Downloadable!]
    54. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad, 2001. "Does foreign bank penetration reduce access to credit in developing countries"evidence from asking borrowers," Policy Research Working Paper Series 2716, The World Bank. [Downloadable!]
    55. Berger, Allen N. & Klapper, Leora F. & Martinez Peria, Maria Soledad & Zaidi, Rida, 2006. "Bank ownership type and banking relationships," Policy Research Working Paper Series 3862, The World Bank. [Downloadable!]
      Other versions:
    56. Claessens, Stijn, 2006. "Competitive implications of cross-border banking," Policy Research Working Paper Series 3854, The World Bank. [Downloadable!]
    57. Schertler, Andrea & Buch, Claudia M. & von Westernhagen, Natalja, 2006. "Heterogeneity in lending and sectoral growth : evidence from German bank-level data," Discussion Paper Series 2: Banking and Financial Studies 2006,04, Deutsche Bundesbank, Research Centre. [Downloadable!]
      Other versions:
    58. Wako Watanabe, 2004. "Prudential Regulation, the Credit Crunch" and the Ineffectiveness of Monetary Policy: Evidence from Japan," ISER Discussion Paper 0617, Institute of Social and Economic Research, Osaka University. [Downloadable!]
    59. Ralph de Haas, 2006. "Monitoring Costs and Multinational-Bank Lending," DNB Working Papers 088, Netherlands Central Bank, Research Department. [Downloadable!]
    60. Marco Del Negro & Stephen Kay, 2002. "Global banks, local crises: bad news from Argentina," Economic Review, Federal Reserve Bank of Atlanta, issue Q3, pages 89-106. [Downloadable!]
    61. Claudia M. Buch & Gayle L. DeLong, 2008. "Banking Globalization: International Consolidation and Mergers in Banking," IAW Discussion Papers 38, Institut für Angewandte Wirtschaftsforschung (IAW). [Downloadable!]
    62. Steven Drucker, 2005. "Information asymmetries and the effects of banking mergers of firm-bank relationships," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 140-147. [Downloadable!]
    63. Alexander Muravyev & Dorothea Schaefer & Oleksandr Talavera, 2008. "Entrepreneurs' gender and financial constraints: evidence from international data," Discussion Papers 11, Kyiv School of Economics. [Downloadable!]
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    64. Arturo Galindo & Fabio Schiantarelli, 2002. "Limitaciones crediticias en América Latina: panorámica general de los elementos de juicio al nivel micro," RES Working Papers 4306, Inter-American Development Bank, Research Department. [Downloadable!]
    65. Ilko Naaborg & Bert Scholtens & Jakob de Haan & Hanneke Bol & Ralph de Haas, 2003. "How Important are Foreign Banks in the Financial Development of European Transition Countries?," CESifo Working Paper Series CESifo Working Paper No. , CESifo Group Munich. [Downloadable!]
    66. Gaston R. Gelos & Jorge Roldos, 2002. "Consolidation and Market Structure in Emerging Market Banking Systems," IMF Working Papers 02/186, International Monetary Fund. [Downloadable!]
      Other versions:
    67. Berger, Allen N. & Clarke, George R. G. & Cull, Robert & Klapper, Leora & Udell, Gregory F., 2005. "Corporate governance and bank performance : a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership," Policy Research Working Paper Series 3632, The World Bank. [Downloadable!]
      Other versions:
    68. Claessens, Stijn & van Horen, Neeltje, 2009. "Being a foreigner among domestic banks: Asset or liability?," MPRA Paper 13467, University Library of Munich, Germany. [Downloadable!]
      Other versions:
    69. Hernán Ortiz-Molina & María Penas, 2008. "Lending to small businesses: the role of loan maturity in addressing information problems," Small Business Economics, Springer, vol. 30(4), pages 361-383, April. [Downloadable!] (restricted)
    70. Linda S. Goldberg, 2007. "Financial sector FDI and host countries: new and old lessons," Economic Policy Review, Federal Reserve Bank of New York, issue Mar, pages 1-17. [Downloadable!]
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    71. 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)
    72. Ralph de Haas & Ilko Naaborg, 2005. "Foreign Banks in Transition Economies: Small Business Lending and Internal Capital Markets," International Finance 0504004, EconWPA. [Downloadable!]
    73. Wako Watanabe, 2004. "Availability of Firms' Information and their Choice of External Credit: Evidence from the Data of Small Firms," ISER Discussion Paper 0616, Institute of Social and Economic Research, Osaka University. [Downloadable!]

  17. Allen N. Berger & Robert DeYoung & Gregory F. Udell, 2000. "Efficiency barriers to the consolidation of the European financial services industry," Finance and Economics Discussion Series 2000-37, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    Published as:

    Cited by:

    1. Claudia M. Buch & Gayle L. DeLong, 2001. "Cross-Border Bank Mergers: What Lures the Rare Animal?," Kiel Working Papers 1070, Kiel Institute for the World Economy. [Downloadable!]
      Other versions:
    2. Dean F. Amel & Colleen Barnes & Fabio Panetta & Carmelo Salleo, 2003. "Consolidation and Efficiency in the Financial Sector: A Review of the International Evidence," CEIS Research Paper 20, Tor Vergata University, CEIS. [Downloadable!]
    3. George Furstenberg, 2008. "Assessing the Competitiveness of International Financial Services in Particular Locations: A Survey of Methods and Perspectives," Open Economies Review, Springer, vol. 19(4), pages 539-556, September. [Downloadable!] (restricted)
    4. von Furstenberg, George M., 2004. "Consumption Smoothing Across States and Time : International Insurance vs. Foreign Loans," Discussion Paper Series 1: Economic Studies 2004,13, Deutsche Bundesbank, Research Centre. [Downloadable!]
    5. Luiz Fernando Rodrigues de Paula, 2001. "Expansion Strategies of European Banks to Brazil and Their Impacts on the Brazilian Banking Sector," Anais do XXIX Encontro Nacional de Economia [Proceedings of the 29th Brazilian Economics Meeting] 044, ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics]. [Downloadable!]
    6. Peter Egger & Franz R. Hahn, 2006. "Endogenous Bank Mergers and Their Impact on Banking Performance," WIFO Working Papers 271, WIFO. [Downloadable!]
    7. Philipp Hartmann & Simone Manganelli & Angela Maddaloni, 2003. "The Euro area financial system: structure, integration and policy initiatives," Working Paper Series 230, European Central Bank. [Downloadable!]
      Other versions:
    8. Dean Amel & Colleen Barnes & Fabio Panetta & Carmelo Salleo, 2002. "Consolidation and efficiency in the financial sector: a review of the international evidence," Finance and Economics Discussion Series 2002-47, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    9. Claudia M. Buch, 2004. "Cross-border banking and transmission mechanisms in Europe: evidence from German data," Applied Financial Economics, Taylor and Francis Journals, vol. 14(16), pages 1137-1149, November. [Downloadable!] (restricted)
    10. Ugo Albertazzi & Leonardo Gambacorta, 2006. "Bank Profitability and Taxation," Computing in Economics and Finance 2006 364, Society for Computational Economics. [Downloadable!]
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    11. G. Lanine & R. Vander Vennet, 2006. "Microeconomic determinants of acquisitions of Eastern European banks by Western European banks," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 06/414, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
    12. Claudia M. Buch & Gayle L. DeLong, 2008. "Banking Globalization: International Consolidation and Mergers in Banking," IAW Discussion Papers 38, Institut für Angewandte Wirtschaftsforschung (IAW). [Downloadable!]
    13. Christian Pierdzioch, 2002. "Financial Market Integration and Business Cycle Volatility in a Monetary Union," Kiel Working Papers 1115, Kiel Institute for the World Economy. [Downloadable!]
      Other versions:
    14. George von Furstenberg, 2007. "Assessing the Competitiveness of International Financial Services in Particular Locations: A Survey of Methods and Perspectives," Caepr Working Papers 2007-024, Center for Applied Economics and Policy Research, Economics Department, Indiana University Bloomington. [Downloadable!]
    15. Michele Manna, 2004. "Developing statistical indicators of the integration of the euro area banking system," Working Paper Series 300, European Central Bank. [Downloadable!]

  18. Allen N. Berger & Gregory F. Udell, 1999. "Lines of Credit and Relationship Lending in Small Firm Finance," Macroeconomics 9906006, EconWPA. [Downloadable!]
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    Published as:

    Cited by:

    1. Anil K. Kashyap & Raghuram Rajan & Jeremy C. Stein, 1999. "Banks as Liquidity Providers: An Explanation for the Co-Existence of Lending and Deposit-Taking," NBER Working Papers 6962, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    2. Anjan V. Thakor, 2004. "Capital Requirements, Monetary Policy, and Aggregate Bank," Finance 0411027, EconWPA. [Downloadable!]
    3. Takeo Hoshi & Anil Kashyap, 1999. "The Japanese Banking Crisis: Where Did It Come From and How Will It End?," NBER Working Papers 7250, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    4. James R. Barth & Glenn Yago & Betsy Zeidman, 2006. "Stumbling blocks to entrepreneurship in low-and-moderate income communities," Proceedings – Community Affairs Dept. Conferences, Federal Reserve Bank of Kansas City, issue Jul, pages 91-155. [Downloadable!]
    5. Joe Peek & Eric S. Rosengren, 1995. "Small business credit availability: how important is size of lender?," Working Papers 95-5, Federal Reserve Bank of Boston. [Downloadable!]

  19. Allen N. Berger & Robert DeYoung & Hesna Genay & Gregory F. Udell, 1999. "Globalization of financial institutions: evidence from cross-border banking performance," Working Paper Series WP-99-25, Federal Reserve Bank of Chicago. [Downloadable!]
    Other versions:

    Cited by:

    1. Holopainen, Helena, 2007. "Integration of financial supervision," Research Discussion Papers 12/2007, Bank of Finland. [Downloadable!]
    2. Xavier Freixas & Gyöngyi Lóránth & Alan D. Morrison, 2005. "Regulating Financial Conglomerates," OFRC Working Papers Series 2005fe03, Oxford Financial Research Centre. [Downloadable!]
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    3. James Laurenceson & Fengming Qin, . "Has minority foreign investment in China’s banks improved their cost efficiency?," EAERG Discussion Paper Series 1305, School of Economics, University of Queensland, Australia. [Downloadable!]
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    4. CASTANER, Xavier & GENC, Mehmet, 2004. "Country Institutional Differences and Multinational Advantage in Banking," Les Cahiers de Recherche 792, HEC Paris. [Downloadable!]
    5. Berger, Allen N. & Udell, Gregory F., 2005. "A more complete conceptual framework for financing of small and medium enterprises," Policy Research Working Paper Series 3795, The World Bank. [Downloadable!]
    6. Allen Berger & Iftekhar Hasan & Leora Klapper, 2004. "Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance," Journal of Financial Services Research, Springer, vol. 25(2), pages 169-202, April. [Downloadable!] (restricted)
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    7. Yener Altunbas & David Marqués Ibáñez, 2004. "Mergers and acquisitions and bank performance in Europe: the role of strategic similarities," Working Paper Series 398, European Central Bank. [Downloadable!]
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    8. Elijah Brewer, III & William E. Jackson, III & Julapa A. Jagtiani & Thong Nguyen, 2000. "The price of bank mergers in the 1990s," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q I, pages 2-23. [Downloadable!]
    9. John P. Bonin & Iftekhar Hasan & Paul Wachtel, 2004. "Privatization Matters: Bank Efficiency in Transition Countries," William Davidson Institute Working Papers Series 2004-679, William Davidson Institute at the University of Michigan Stephen M. Ross Business School. [Downloadable!]
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    10. Arribas, Iván & Pérez, Francisco & Tortosa-Ausina, Emili, 2009. "The determinants of international financial integration revisited: the role of networks and geographic neutrality," MPRA Paper 18717, University Library of Munich, Germany. [Downloadable!]
    11. Claudia M. Buch & Gayle L. DeLong, 2001. "Cross-Border Bank Mergers: What Lures the Rare Animal?," Kiel Working Papers 1070, Kiel Institute for the World Economy. [Downloadable!]
      Other versions:
    12. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    13. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad & Sanchez, Susana M., 2002. "Bank lending to small businesses in Latin America : does Bank origin matter?," Policy Research Working Paper Series 2760, The World Bank. [Downloadable!]
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    14. Enrica Detragiache & Poonam Gupta, 2004. "Foreign Banks in Emerging Market Crises: Evidence from Malaysia," IMF Working Papers 04/129, International Monetary Fund. [Downloadable!]
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    15. Jacob A. Bikker & Laura Spierdijk & Paul Finnie, 2007. "The Impact of Market Structure, Contestability and Institutional Environment on Banking Competition," Working Papers 07-29, Utrecht School of Economics. [Downloadable!]
    16. Jacob A. Bikker & Laura Spierdijk & Paul Finniez, 2007. "Stock market performance and pension fund investment policy: rebalancing, free float, or market timing?," DNB Working Papers 156, Netherlands Central Bank, Research Department. [Downloadable!]
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    17. Kaie Kerem & Vello Vensel, 2005. "Theory and Empirical Evidence of Business Support Networks," Working Papers 129, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    18. Hodonou DANNON, 2009. "Efficacité et productivité des banques de la zone UEMOA dans un contexte de réformes financières. Une application de la méthode DEA (Banks efficiency and productivity in the WAEMU in a context of," Working Papers 216, Laboratoire de Recherche sur l'Industrie et l'Innovation. ULCO / Research Unit on Industry and Innovation. [Downloadable!]
    19. Elijah Brewer, III & William E. Jackson, III & Julapa A. Jagtiana, 2000. "Impact of independent directors and the regulatory environment on bank merger prices: evidence from takeover activity in the 1990s," Working Paper Series WP-00-31, Federal Reserve Bank of Chicago. [Downloadable!]
    20. Dean F. Amel & Colleen Barnes & Fabio Panetta & Carmelo Salleo, 2003. "Consolidation and Efficiency in the Financial Sector: A Review of the International Evidence," CEIS Research Paper 20, Tor Vergata University, CEIS. [Downloadable!]
    21. Micco, Alejandro & Panizza, Ugo & Yañez, Monica, 2006. "Bank Ownership and Performance Does Politics Matter?," P.O.L.I.S. department's Working Papers 62, Department of Public Policy and Public Choice - POLIS. [Downloadable!]
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    22. Eric Van Tassel & Sharmila Vishwasrao, 2006. "Asymmetric Information and the Mode of Entry In Foreign Credit Markets," Working Papers 06002, Department of Economics, College of Business, Florida Atlantic University. [Downloadable!]
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    23. Leibbrandt ,Gottfried, 2004. "Harmonizing Europe’s payment systems: an uphill battle?," Research Memoranda 020, Maastricht : MERIT, Maastricht Economic Research Institute on Innovation and Technology. [Downloadable!]
    24. Allen N. Berger & Qinglei Dai & Steven Ongena & David C. Smith, 2002. "To what extent will the banking industry be globalized? a study of bank nationality and reach in 20 European nations," Finance and Economics Discussion Series 2002-25, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    25. Allen N. Berger & Leora F. Klapper & Gregory F. Udell, 2001. "The ability of banks to lend to informationally opaque small businesses," Finance and Economics Discussion Series 2001-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    26. Janek Uiboupin, 2005. "Short-Term Effects of Foreign Bank Entry on Bank Performance in Selected CEE Countries," Bank of Estonia Working Papers 2005-4, Bank of Estonia, revised 10 Oct 2005. [Downloadable!]
    27. Claeys, Sophie & Hainz, Christa, 2007. "Acquisition versus greenfield: The impact of the mode of foreign bank entry on information and bank lending rates," Working Paper Series 210, Sveriges Riksbank (Central Bank of Sweden). [Downloadable!]
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    28. Hans Degryse & Steven Ongena, 2002. "Bank-Firm Relationships and International Banking Markets," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 9(3), pages 401-417, November. [Downloadable!] (restricted)
    29. Campa, José Manuel & Hernando, Ignacio, 2005. "M&As Performance in the European Financial Industry," CEPR Discussion Papers 5204, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
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    30. Alejandro Micco & Ugo Panizza & Mónica Yañez, 2004. "Propiedad y desempeño de la banca," RES Working Papers 4382, Inter-American Development Bank, Research Department. [Downloadable!]
    31. Adrian E. Tschoegl, 2003. "Who Owns the Major US Subsidiaries of Foreign Banks? A Note," Center for Financial Institutions Working Papers 03-11, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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    32. José M. Pastor & Lorenzo Serrano, 2005. "Efficiency, endogenous and exogenous credit risk in the banking systems of the Euro area," Applied Financial Economics, Taylor and Francis Journals, vol. 15(9), pages 631-649, June. [Downloadable!] (restricted)
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    33. Manuel Illueca & José Pastor & Emili Tortosa-Ausina, 2009. "The effects of geographic expansion on the productivity of Spanish savings banks," Journal of Productivity Analysis, Springer, vol. 32(2), pages 119-143, October. [Downloadable!] (restricted)
    34. Claudia M. Buch & Stefan M. Golder, 2000. "Domestic and Foreign Banks in Germany: Do They Differ?," Kiel Working Papers 986, Kiel Institute for the World Economy. [Downloadable!]
    35. Luiz Fernando Rodrigues de Paula, 2001. "Expansion Strategies of European Banks to Brazil and Their Impacts on the Brazilian Banking Sector," Anais do XXIX Encontro Nacional de Economia [Proceedings of the 29th Brazilian Economics Meeting] 044, ANPEC - Associação Nacional dos Centros de Pósgraduação em Economia [Brazilian Association of Graduate Programs in Economics]. [Downloadable!]
    36. Caprio, Gerard Jr. & Honohan, Patrick, 2002. "Banking policy and macroeconomic stability - an exploration," Policy Research Working Paper Series 2856, The World Bank. [Downloadable!]
    37. Adnan Kasman & Saadet Kirbas Kasman & Oscar Carvallo, 2005. "Efficiency and Foreign Ownership in Banking: An International Comparison," Discussion Paper Series 05/03, Dokuz Eylül University, Faculty of Business, Department of Economics, revised 23 Nov 2005. [Downloadable!]
    38. Allen Berger & Robert DeYoung, 2001. "The Effects of Geographic Expansion on Bank Efficiency," Journal of Financial Services Research, Springer, vol. 19(2), pages 163-184, April. [Downloadable!] (restricted)
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    39. Jan-Egbert Sturm & Barry Williams, 2005. "What Determines Differences in Foreign Bank Efficiency? Australian Evidence," CESifo Working Paper Series CESifo Working Paper No. , CESifo Group Munich. [Downloadable!]
    40. Fabio Panetta & Dario Focarelli & Carmelo Salleo, 2003. "Why do Banks Merge?," CEIS Research Paper 3, Tor Vergata University, CEIS. [Downloadable!]
    41. Focarelli, Dario & Pozzolo, Alberto Franco, 2003. "Where Do Banks Expand Abroad? An Empirical Analysis," Economics & Statistics Discussion Papers esdp03009, University of Molise, Dept. SEGeS. [Downloadable!]
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    42. Elijah Brewer, III & William E. Jackson, III & Julapa A. Jagtiani, 2007. "Target's corporate governance and bank merger payoffs," Research Working Paper RWP 07-13, Federal Reserve Bank of Kansas City. [Downloadable!]
    43. Pérez, Francisco & Arribas, Iván & Tortosa-Ausina, Emili, 2009. "Openness and geographic neutrality: How do they contribute to international banking integration?," MPRA Paper 17211, University Library of Munich, Germany. [Downloadable!]
    44. Simon Evenett, 2004. "The Cross-Border Mergers and Acquisitions Wave of the Late 1990s," NBER Chapters, in: Challenges to Globalization: Analyzing the Economics, pages 411-470 National Bureau of Economic Research, Inc. [Downloadable!]
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    45. Burcu Aydin, 2008. "Banking Structure and Credit Growth in Central and Eastern European Countries," IMF Working Papers 08/215, International Monetary Fund. [Downloadable!]
    46. Kyriaki Kosmidou & Fotios Pasiouras & Angelos Tsaklanganos, 2005. "Factors influencing the profits and size of Greek banks operating abroad: a pooled time-series study," Applied Financial Economics, Taylor and Francis Journals, vol. 15(10), pages 731-738, June. [Downloadable!] (restricted)
    47. Xavier Freixas & Gyöngyi Lóránth & Alan D. Morrison, 2005. "Regulating Financial Conglomerates," Economics Working Papers 820, Department of Economics and Business, Universitat Pompeu Fabra. [Downloadable!]
    48. Luiz Fernando Rodrigues de Paula, 2003. "The determinants of the recent entry of foreign banks in Brazil," Anais do V Congresso Brasileiro de História Econômica e 6ª Conferência Internacional de História de Empresas [Proceedings of the 5th Brazilian Congress of Economic History and the 6th Internation 023, ABPHE - Associação Brasileira de Pesquisadores em História Econômica (Brazilian Economic History Society). [Downloadable!]
    49. Julien Reynaud & Rofikoh Rokhim, 2005. "Do banking crises enhance efficiency ? A case study of 1994 Turkish and 1997 Indonesian crises," Cahiers de la Maison des Sciences Economiques bla05007, Université Panthéon-Sorbonne (Paris 1). [Downloadable!]
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    50. Asli Demirguc-Kunt & Luc Laeven & Ross Levine, 2003. "Regulations, Market Structure, Institutions, and the Cost of Financial Intermediation," NBER Working Papers 9890, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    51. Jari Jumpponen & Kari Liuhto & Mart Sõrg & Vello Vensel, 2004. "Banks’ Internationalization: Estonian and Russian Banks’ Expansion to the Foreign Markets," Working Papers 109, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    52. Dean Amel & Colleen Barnes & Fabio Panetta & Carmelo Salleo, 2002. "Consolidation and efficiency in the financial sector: a review of the international evidence," Finance and Economics Discussion Series 2002-47, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    53. Lóránth, Gyöngyi & Morrison, Alan, 2003. "Multinational Bank Regulation with Deposit Insurance and Diversification Effects," CEPR Discussion Papers 4148, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    54. Vello Vensel, 2004. "Operation of Business Supporting Networks: Evidence from an EU Candidate Country," Working Papers 117, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    55. Ali Ataullah & Hang Le, 2004. "Financial repression and liability of foreignness in developing countries," Applied Economics Letters, Taylor and Francis Journals, vol. 11(9), pages 545-549, January. [Downloadable!] (restricted)
    56. Ongena, S. & Degreyse, H.A., 2003. "Distance, lending relationships, and competition," Discussion Paper 123, Tilburg University, Center for Economic Research. [Downloadable!]
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    57. Freixas, Xavier & Lóránth, Gyöngyi & Morrison, Alan, 2005. "Regulating Financial Conglomerates," CEPR Discussion Papers 5036, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    58. Allen N. Berger, 2002. "The economic effects of technological progress: evidence from the banking industry," Finance and Economics Discussion Series 2002-50, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    59. Jaap W. B. Bos & Heiko Schmiedel, 2006. "Is there a single frontier in a single European banking market?," Working Paper Series 701, European Central Bank. [Downloadable!]
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    60. Jan A. Kregel, 2000. "Can European Banks Survive a Unified Currency in a Nationally Segmented Capital Market?," Macroeconomics 0004052, EconWPA. [Downloadable!]
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    61. Lóránth, Gyöngyi & Morrison, Alan, 2008. "Bank Diversification and Incentives," CEPR Discussion Papers 7051, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    62. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad, 2001. "Does foreign bank penetration reduce access to credit in developing countries"evidence from asking borrowers," Policy Research Working Paper Series 2716, The World Bank. [Downloadable!]
    63. Allen N. Berger & Robert DeYoung, 2002. "Technological progress and the geographic expansion of the banking industry," Finance and Economics Discussion Series 2002-31, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    64. Alejandro Micco & Ugo Panizza & Mónica Yañez, 2004. "Bank Ownership and Performance," RES Working Papers 4381, Inter-American Development Bank, Research Department. [Downloadable!]
    65. Berger, Allen N. & Klapper, Leora F. & Martinez Peria, Maria Soledad & Zaidi, Rida, 2006. "Bank ownership type and banking relationships," Policy Research Working Paper Series 3862, The World Bank. [Downloadable!]
      Other versions:
    66. Robert DeYoung & William C. Hunter, 2001. "Deregulation, the Internet, and the competitive viability of large banks and community banks," Working Paper Series WP-01-11, Federal Reserve Bank of Chicago. [Downloadable!]
    67. Claessens, Stijn, 2006. "Competitive implications of cross-border banking," Policy Research Working Paper Series 3854, The World Bank. [Downloadable!]
    68. Thorsten V. Koeppl & James MacGee, 2007. "Branching Out: The Urgent Need to Transform Canada’s Financial Landscape and How to Do It," C.D. Howe Institute Commentary, C.D. Howe Institute, issue 251, June. [Downloadable!]
    69. Ralph de Haas, 2006. "Monitoring Costs and Multinational-Bank Lending," DNB Working Papers 088, Netherlands Central Bank, Research Department. [Downloadable!]
    70. Claudia M. Buch & Gayle L. DeLong, 2008. "Banking Globalization: International Consolidation and Mergers in Banking," IAW Discussion Papers 38, Institut für Angewandte Wirtschaftsforschung (IAW). [Downloadable!]
    71. Ilko Naaborg & Bert Scholtens & Jakob de Haan & Hanneke Bol & Ralph de Haas, 2003. "How Important are Foreign Banks in the Financial Development of European Transition Countries?," CESifo Working Paper Series CESifo Working Paper No. , CESifo Group Munich. [Downloadable!]
    72. Berger, Allen N. & Clarke, George R. G. & Cull, Robert & Klapper, Leora & Udell, Gregory F., 2005. "Corporate governance and bank performance : a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership," Policy Research Working Paper Series 3632, The World Bank. [Downloadable!]
      Other versions:
    73. Claessens, Stijn & van Horen, Neeltje, 2009. "Being a foreigner among domestic banks: Asset or liability?," MPRA Paper 13467, University Library of Munich, Germany. [Downloadable!]
      Other versions:
    74. Allen N. Berger, 2000. "The integration of the financial services industry: where are the efficiencies?," Finance and Economics Discussion Series 2000-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]

  20. Allen N. Berger & Gregory F. Udell, 1998. "The economics of small business finance: the roles of private equity and debt markets in the financial growth cycle," Finance and Economics Discussion Series 1998-15, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    Published as:

    Cited by:

    1. William Keeton, 2003. "The role of community banks in the U.S. economy," Economic Review, Federal Reserve Bank of Kansas City, issue Q II, pages 15-43. [Downloadable!]
    2. Christoph Kneiding & Alexander S. Kritikos, 2007. "Funding Self-Employment - The Role of Consumer Credit," Working Papers 0007, Gesellschaft für Arbeitsmarktaktivierung (GfA). [Downloadable!]
      Other versions:
    3. Baeyens, K. & Manigart, S., 2006. "Who gets private equity? The role of debt capacity, growth and intangible assets," Vlerick Leuven Gent Management School Working Paper Series 2006-24, Vlerick Leuven Gent Management School. [Downloadable!]
      Other versions:
    4. Astrid Romain & Bruno Van Pottelsberghe, 2004. "The economic impact of venture capital," Working Papers CEB 04-014.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
      Other versions:
    5. Sau Lino, 2007. "New pecking order financing for innovative firms:an overview," Department of Economics Working Papers 200702, University of Turin. [Downloadable!]
      Other versions:
    6. Daniela Fabbri, 2001. "The Legal Enforcement of Credit Contracts and the Level of Investment," CSEF Working Papers 57, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy. [Downloadable!]
    7. Daniel Aaronson & Paul Huck & Robert Townsend, 2000. "Small-business access to trade credit: some evidence of ethnic differences," Consumer and Community Affairs Policy Studies 2000-2, Federal Reserve Bank of Chicago. [Downloadable!]
      Other versions:
    8. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and relationship lending," Working Papers 98-22, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    9. Ari Hyytinen & Lotta Väänänen, 2004. "Mandatory Auditor Choice and Small Finance: Evidence from Finland," Discussion Papers 950, The Research Institute of the Finnish Economy. [Downloadable!]
    10. Everts, Martin, 2002. "Cash Dilution in Illiquid Funds," MPRA Paper 4655, University Library of Munich, Germany. [Downloadable!]
    11. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and Relationship Lending Review of Financial Studies," Center for Financial Institutions Working Papers 99-03, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    12. Michael Pfaffermayr & Matthias Stöckl & Hannes Winner, 2008. "Capital Structure, Corporate Taxation and Firm Age," Working Papers 0829, Oxford University Centre for Business Taxation. [Downloadable!]
      Other versions:
    13. Clara Cardone & María J. Casasola, 2003. "What Do We Know About The Financial Behaviour Of The Spanish Sme?: An Empirical Analysis," Business Economics Working Papers wb033708, Universidad Carlos III, Departamento de Economía de la Empresa. [Downloadable!]
    14. Kenneth P. Brevoort & Timothy H. Hannan, 2004. "Commercial lending and distance: evidence from Community Reinvestment Act data," Finance and Economics Discussion Series 2004-24, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    15. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    16. Ferri, Giovanni & Tae Soo Kang & In-June Kim, 2001. "The value of relationship banking during financial crises : evidence from the Republic of Korea," Policy Research Working Paper Series 2553, The World Bank. [Downloadable!]
    17. Robert DeYoung & William Hunter & Gregory Udell, 2004. "The Past, Present, and Probable Future for Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 85-133, April. [Downloadable!] (restricted)
      Other versions:
    18. Doris Neuberger & Christoph Schacht, 2005. "The Number of Bank Relationships of SMEs: A Disaggregated Analysis for the Swiss Loan Market," Finance 0509001, EconWPA. [Downloadable!]
      Other versions:
    19. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2006. "Small firm credit market discrimination, SBA-guaranteed lending, and local market economic performance," Working Paper 0613, Federal Reserve Bank of Cleveland. [Downloadable!]
    20. Dimo Dimov & Gordon Murray, 2008. "Determinants of the Incidence and Scale of Seed Capital Investments by Venture Capital Firms," Small Business Economics, Springer, vol. 30(2), pages 127-152, February. [Downloadable!] (restricted)
    21. Ueda, Masako, 2002. "Banks versus Venture Capital," CEPR Discussion Papers 3411, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
      Other versions:
    22. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2004. "On SBA-guaranteed lending and economic growth," Working Paper 0403, Federal Reserve Bank of Cleveland. [Downloadable!]
    23. Kevin Moore, 2004. "Do liquidity constraints matter for new entrepreneurs?," Finance and Economics Discussion Series 2004-42, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    24. Engel, Dirk, 2001. "Höheres Beschäftigungswachstum durch Venture Capital?," ZEW Discussion Papers 01-34, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research. [Downloadable!]
    25. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    26. Ari Hyytinen & Mika Pajarinen, 2005. "External Finance, Firm Growth and the Benefits of Information Disclosure: Evidence from Finland," European Journal of Law and Economics, Springer, vol. 19(1), pages 69-93, January. [Downloadable!] (restricted)
    27. Keilbach, Max & Engel, Dirk, 2002. "Firm Level Implications of Early Stage Venture Capital Investment : An Empirical Investigation," ZEW Discussion Papers 02-82, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research. [Downloadable!]
      Other versions:
    28. Chemla, Gilles & Habib, Michel Antoine & Ljungqvist, Alexander P, 2002. "An Analysis of Shareholder Agreements," CEPR Discussion Papers 3457, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
      Other versions:
    29. Edward Altman & Gabriele Sabato, 2005. "Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs," Journal of Financial Services Research, Springer, vol. 28(1), pages 15-42, October. [Downloadable!] (restricted)
    30. Franklin Allen & James McAndrews & Philip Strahan, 2001. "E-Finance: An Introduction," Center for Financial Institutions Working Papers 01-36, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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    31. Ari Hyytinen & Iikka Kuosa & Tuomas Takalo, 2003. "Law or Finance: Evidence from Finland," European Journal of Law and Economics, Springer, vol. 16(1), pages 59-89, July. [Downloadable!] (restricted)
      Other versions:
    32. William E.Jackson, III & Ben R. Craig & James B. Thompson, 2006. "Does Small Business Administration guaranteed lending improve economic performance in low–income areas?," Proceedings – Community Affairs Dept. Conferences, Federal Reserve Bank of Kansas City, issue Jul, pages 55-85. [Downloadable!]
    33. Kaie Kerem & Vello Vensel, 2005. "Theory and Empirical Evidence of Business Support Networks," Working Papers 129, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    34. José Miguel Benavente & Alexander Galetovic & Ricardo Sanhueza, 2005. "La dinámica industrial y el financiamiento de las pyme," Documentos de Trabajo 201, Centro de Economía Aplicada, Universidad de Chile. [Downloadable!]
    35. Giannetti, C., 2009. "Relationship Lending and Firm Innovativeness," Discussion Paper 2009-08, Tilburg University, Center for Economic Research. [Downloadable!]
    36. Yuliya Demyanyk & Charlotte Ostergaard & Bent E. Sørensen, 2006. "FU.S. banking deregulation, small businesses, and interstate insurance of personal income," Working Paper 2006/09, Norges Bank. [Downloadable!]
      Other versions:
    37. Avelino Martínez Sandoval & Harold Londoño Martínez, 2004. "El Racionamiento del Crédito en los Mercados Financieros," REVISTA DE ECONOMÍA Y ADMINISTRACIÓN, UNIVERSIDAD AUTÓNOMA DE OCCIDENTE. [Downloadable!]
    38. Diana Marina Del COlle, & Paolo Finaldi Russo & Andrea Generale, 2006. "The Causes and Consequences of Venture Capital Financing. An Analysis based on a Sample of Italian Firms," Temi di discussione (Economic working papers) 584, Bank of Italy, Economic Research Department. [Downloadable!]
    39. Cole, Rebel, 2008. "What do we know about the capital structure of privately held firms? Evidence from the Surveys of Small Business Finance," MPRA Paper 8086, University Library of Munich, Germany. [Downloadable!]
    40. Cécile Carpentier & Jean-Marc Suret, 2005. "On the Usefulness of Tax Incentives for Business Angels and SME Owners: An Empirical Analysis," CIRANO Working Papers 2005s-13, CIRANO. [Downloadable!]
    41. Beuselinck Ch. & Deloof M., 2006. "Business groups, taxes and accruals management," Working Papers 2006015, University of Antwerp, Faculty of Applied Economics. [Downloadable!]
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    42. Raine Hermans, 2004. "Finance of Small Bio-pharmaceutical Industry in Finland - Descriptive Analysis," Discussion Papers 888, The Research Institute of the Finnish Economy. [Downloadable!]
    43. Ari Hyytinen & Mika Pajarinen, 2003. "External Finance, Firm Growth and the Benefits of Information Disclosure: Evidence from Finland (Revised)," Discussion Papers 805, The Research Institute of the Finnish Economy. [Downloadable!]
    44. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    45. T. Vanacker, 2009. "A Longitudinal Study on the Impact of Venture Capital Firm Heterogeneity on Portfolio Company Growth," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 09/552, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
    46. Jalal Akhavein & Lawrence Goldberg & Lawrence White, 2004. "Small Banks, Small Business, and Relationships: An Empirical Study of Lending to Small Farms," Journal of Financial Services Research, Springer, vol. 26(3), pages 245-261, December. [Downloadable!] (restricted)
    47. Bugamelli, M. & Pagano, P. & Paterno, F. & Pozzolo, A.F. & Rossi, S. & Schivardi, F., 2003. "Ingredients for The New Economy: How Much Does Finance Matter?," EIFC - Technology and Finance Working Papers 31, United Nations University, Institute for New Technologies. [Downloadable!]
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    48. Allen N. Berger & Leora F. Klapper & Gregory F. Udell, 2001. "The ability of banks to lend to informationally opaque small businesses," Finance and Economics Discussion Series 2001-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    49. Robert E. Carpenter & Bruce C. Petersen, 2002. "Capital Market Imperfections, High-Tech Investment, and New Equity Financing," Economic Journal, Royal Economic Society, vol. 112(477), pages F54-F72, February. [Downloadable!] (restricted)
    50. Ben R. Craig & James B. Thomson, 2001. "Federal Home Loan Bank lending to community banks: are targeted subsidies necessary?," Working Paper 0112, Federal Reserve Bank of Cleveland. [Downloadable!]
    51. Inderst, Roman & Mueller, Holger M, 2006. "A Lender-Based Theory of Collateral," CEPR Discussion Papers 5695, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    52. Rikkers, F. & Thibeault, A., 2007. "The optimal rating philosophy for the rating of SMEs," Vlerick Leuven Gent Management School Working Paper Series 2007-10, Vlerick Leuven Gent Management School. [Downloadable!]
    53. Francisco Sogorb- Mira & José Lopez- Gracia, 2003. "Pecking Order Versus Trade-Off: An Empirical Approach To The Small And Medium Enterprise Capital Structure," Working Papers. Serie EC 2003-09, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie). [Downloadable!]
    54. F. Javier Sánchez Vidal & Juan Francisco Martín Ugedo, 2008. "Edad y tamaño empresarial y ciclo de vida financiero," Working Papers. Serie EC 2008-12, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie). [Downloadable!]
    55. Brown, M. & Ongena, S. & Yesin, P., 2008. "Currency Denomination of Bank Loans: Evidence from Small Firms in Transition Countries," Discussion Paper 2008-16, Tilburg University, Center for Economic Research. [Downloadable!]
    56. Isachenkova, N. & Weeks, M., 2008. "Acquisition, Insolvency and Managers in UK Small Companies," Cambridge Working Papers in Economics 0838, Faculty of Economics, University of Cambridge. [Downloadable!]
    57. Christian Schröder, 2009. "Financial System and Innovations-Determinants of Early Stage Venture Capital in Europe," Schumpeter Discussion Papers sdp09004, Universitätsbibliothek Wuppertal, University Library. [Downloadable!]
    58. Hans Degryse & Steven Ongena, 2002. "Bank-Firm Relationships and International Banking Markets," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 9(3), pages 401-417, November. [Downloadable!] (restricted)
    59. Alexander S. Kritikos & Christoph Kneiding & Claas Christian Germelmann, 2008. "Demand Side Analysis of Microlending Markets in Industrialized Countries - Evidence from Germany -," Working Papers 014, Hanseatic University, Germany, Department of Economics. [Downloadable!]
    60. Ari Hyytinen & Ilkka Kuosa & Tuomas Takalo, 2001. "Law or Finance: Evidence from Finland (Revised version 25.09.2002))," Discussion Papers 775, The Research Institute of the Finnish Economy. [Downloadable!]
    61. Sophie Manigart & Katleen Baeyens & Ilse Verschueren, 2002. "Financing and investment interdependencies in unquoted belgian compagnies: the role of venture capital," Research series 200205-10, National Bank of Belgium. [Downloadable!]
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    62. Yuen-Ping Ho & Poh-Kam Wong, 2007. "Financing, Regulatory Costs and Entrepreneurial Propensity," Small Business Economics, Springer, vol. 28(2), pages 187-204, March. [Downloadable!] (restricted)
    63. Howard Bodenhorn, 2001. "Short-Term Loans and Long-Term Relationships: Relationship Lending in Early America," NBER Historical Working Papers 0137, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    64. Hartarska, Valentina, 2002. "Investment in Young and Established Microenterprises in Russia," 2002 International Congress, August 28-31, 2002, Zaragoza, Spain 24857, European Association of Agricultural Economists. [Downloadable!]
    65. Silvia Magri, 2009. "The financing of small entrepreneurs in Italy," Annals of Finance, Springer, vol. 5(3), pages 397-419, June. [Downloadable!] (restricted)
    66. George Haynes & Charles Ou, 2003. "Uses of Equity Capital by Small Firms—Findings from the Surveys of Small Business Finances (for 1993 & 1998)," The Office of Advocacy Small Business Working Papers 03co, U.S. Small Business Administration, Office of Advocacy. [Downloadable!]
    67. Meuleman, M. & De Maeseneire, W., 2008. "Do R&D subsidies affect SME's: access to external financing," Vlerick Leuven Gent Management School Working Paper Series 2008-12, Vlerick Leuven Gent Management School. [Downloadable!]
    68. Ant Bozkaya & Bruno Van Pottelsberghe, 2004. "Who Funds Technology-Based Small Firms? Evidence from Belgium," Working Papers CEB 04-027.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
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    69. Pasquale Lucio Scandizzo, 2004. "Financing Technology: An Assessment of Theory and Practice," CEIS Research Paper 43, Tor Vergata University, CEIS. [Downloadable!]
    70. Daniel Aaronson & Raphael Bostic & Paul Huck & Robert Townsend, 2000. "Supplier relationships and small business use of trade credit," Working Paper Series WP-00-28, Federal Reserve Bank of Chicago. [Downloadable!]
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    71. Inderst, Roman & Mueller, Holger M, 2005. "Informed Lending and Security Design," CEPR Discussion Papers 5185, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
    72. Alexander S. Kritikos & Christoph Kneiding & Claas Christian Germelmann, 2006. "Is there a Market for Micro-Lending in Industrialized Countries? - Evidence from Germany," Working Papers 0003, Gesellschaft für Arbeitsmarktaktivierung (GfA). [Downloadable!]
    73. Ingrid Verheul & Andre van Stel & Roy Thurik, 2005. "Explaining female and male entrepreneurship at the country level," Papers on Entrepreneurship, Growth and Public Policy 2005-39, Max Planck Institute of Economics, Entrepreneurship, Growth and Public Policy Group. [Downloadable!]
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    74. Mersland, Roy & Strøm, Reidar Øystein, 2007. "Performance and corporate governance in microfinance institutions," MPRA Paper 3887, University Library of Munich, Germany. [Downloadable!]
    75. Albert Park & Minggao Shen, 2001. "Joint Liability Lending and the Rise and Fall of China's Township and Village Enterprises," William Davidson Institute Working Papers Series 462, William Davidson Institute at the University of Michigan Stephen M. Ross Business School. [Downloadable!]
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    76. Laszlo Szerb & Siri Terjesen & Gabor Rappai, 2007. "Seeding new ventures - green thumbs and fertile fields: individual and environmental drivers of informal investment," Jena Economic Research Papers in Economics 2007-030, Friedrich-Schiller-University Jena, Max-Planck-Institute of Economics. [Downloadable!]
    77. Mersland, Roy & Strøm, Reidar Øystein, 2007. "Performance and corporate governance in microfinance institutions," MPRA Paper 3888, University Library of Munich, Germany. [Downloadable!]
    78. Kritikos, Alexander S. & Kneiding, Christoph & Germelmann, Claas Christian, 2009. "Demand Side Analysis of Microlending Markets in Germany," IZA Discussion Papers 4292, Institute for the Study of Labor (IZA). [Downloadable!]
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    79. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2007. "On government intervention in the small-firm credit market and its effect on economic performance," Working Paper 0702, Federal Reserve Bank of Cleveland. [Downloadable!]
    80. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2006. "Small-firm credit markets, SBA-guaranteed lending, and economic performance in low-income areas," Working Paper 0601, Federal Reserve Bank of Cleveland. [Downloadable!]
    81. Dries Heyman & Marc Deloof & Hubert Ooghe, 2008. "The Financial Structure of Private Held Belgian Firms," Small Business Economics, Springer, vol. 30(3), pages 301-313, March. [Downloadable!] (restricted)
    82. Nico Dewaelheyns & Cynthia Hulle, 2008. "Legal reform and aggregate small and micro business bankruptcy rates: evidence from the 1997 Belgian bankruptcy code," Small Business Economics, Springer, vol. 31(4), pages 409-424, December. [Downloadable!] (restricted)
    83. K. Baeyens & S. Manigart, 2006. "Follow-on financing of venture capital backed companies: The choice between debt, equity, existing and new investors," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 06/362, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
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    84. Hartarska, Valentina, 2001. "Investments And Property Rights In Russia: Evidence From Small Firms In Samara," 2001 Annual meeting, August 5-8, Chicago, IL 20739, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association). [Downloadable!]
    85. Rai, Ashok S. & Klonner, Stefan, 2007. "Cosigners Help," Proceedings of the German Development Economics Conference, Göttingen 2007 18, Verein für Socialpolitik, Research Committee Development Economics. [Downloadable!]
    86. Andy Cosh & Douglas Cumming & Alan Hughes, 2005. "Outside Entrepreneurial Capital," ESRC Centre for Business Research - Working Papers wp301, ESRC Centre for Business Research. [Downloadable!]
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    87. Ari Hyytinen & Mika Pajarinen, 2004. "Is the Cost of Debt Capital Higher for Younger Firms?," Discussion Papers 946, The Research Institute of the Finnish Economy. [Downloadable!]
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    88. Sugato Chakravarty & Tansel Yilmazer, 2005. "A re-examination of the role of relationships in the loan-granting process," Proceedings, Federal Reserve Bank of Chicago, issue Apr. [Downloadable!]
    89. A. Affuso, 2007. "Credit rationing and real assets: evidence from Italian panel data," Economics Department Working Papers 2007-EP09, Department of Economics, Parma University (Italy). [Downloadable!]
    90. Bent E. Sørensen & Maria Jose Luengo-Prado, 2005. "What Can Explain Excess Smoothness and Sensitivity of State-Level Consumption?," Working Papers 2005-03, Department of Economics, University of Houston. [Downloadable!]
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    91. Ari Hyytinen & Mika Pajarinen, 2001. "Financial Systems and Venture Capital in Nordic Countries: A comparative Study," Discussion Papers 774, The Research Institute of the Finnish Economy. [Downloadable!]
    92. Francisco Covas & Wouter J. den Haan, 2006. "The Role of Debt and Equity Finance over the Business Cycle," Working Papers 06-45, Bank of Canada. [Downloadable!]
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    93. Bartholdy, Jan & Mateus, Cesário, 2006. "Debt and Taxes: Evidence from bank-financed unlisted firms," Finance Research Group Working Papers F-2006-02, University of Aarhus, Aarhus School of Business, Department of Business Studies. [Downloadable!]
    94. Mohnen, Pierre & Palm, Franz & Schim van der Loeff, Sybrand & Tiwari, Amaresh, 2008. "Financial Constraints and Other Obstacles: Are they a Threat to Innovation Activity?," UNU-MERIT Working Paper Series 006, United Nations University, Maastricht Economic and social Research and training centre on Innovation and Technology. [Downloadable!]
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    95. Vanacker, T. & Manigart, S. & Meuleman, M., 2008. "Towards an evolutionary model of the entrepreneurial financing process: insights from biotechnology startups," Vlerick Leuven Gent Management School Working Paper Series 2008-09, Vlerick Leuven Gent Management School. [Downloadable!]
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    96. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2005. "SBA-loan guarantees and local economic growth," Working Paper 0503, Federal Reserve Bank of Cleveland. [Downloadable!]
    97. Riccardo Calcagno & Roman Kraeussl & Chiara Monticone, 2008. "An Analysis of the Effects of the Severance Payment Reform on Credit to Italian SMEs," Tinbergen Institute Discussion Papers 08-107/2, Tinbergen Institute. [Downloadable!]
    98. Vello Vensel, 2004. "Operation of Business Supporting Networks: Evidence from an EU Candidate Country," Working Papers 117, School of Economics and Business Administration, Tallinn University of Technology. [Downloadable!]
    99. Ari Hyytinen & Lotta Väänänen, 2004. "Could Mr. and Mrs. Capital Market Imperfection Please Step Forward? An Empirical Analysis of Adverse Selection and Moral Hazard in Capital Markets," Discussion Papers 887, The Research Institute of the Finnish Economy. [Downloadable!]
    100. Knill, April M., 2008. "Does foreign portfolio investment reach small listed firms ?," Policy Research Working Paper Series 3796, The World Bank. [Downloadable!]
    101. Cumming, Douglas & Johan, Sofia, 2006. "Regulatory harmonization and the development of private equity markets," Discussion Paper 1, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]
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    102. Alexander Muravyev & Dorothea Schäfer & Oleksandr Talavera, 2007. "Entrepreneurs' Gender and Financial Constraints: Evidence from International Data," Discussion Papers of DIW Berlin 706, DIW Berlin, German Institute for Economic Research. [Downloadable!]
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    103. Annalisa Castelli & Gerald P. Dwyer, Jr. & Iftekhar Hasan, 2006. "Bank relationships and small firms’ financial performance," Working Paper 2006-05, Federal Reserve Bank of Atlanta. [Downloadable!]
    104. V. Collewaert & S. Manigart & R. Aernoudt, 2007. "An Assessment Of Government Funding Of Business Angel Networks: A Regional Study," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 07/455, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
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    105. Müller, Elisabeth, 2004. "Underdiversification in Private Companies : Required Returns and Incentive Effects," ZEW Discussion Papers 04-29, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research. [Downloadable!]
    106. Lin, Justin Yifu & Sun, Xifang & Jiang, Ye, 2009. "Toward a theory of optimal financial structure," Policy Research Working Paper Series 5038, The World Bank. [Downloadable!]
    107. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    108. Enrico Colombatto & Arie Melnik, 2008. "The Capital Structure of Young Firms and the Working Experience of New Entrepreneurs," ICER Working Papers 08-2008, ICER - International Centre for Economic Research. [Downloadable!]
    109. Vicente Salas & Jesús Saurina, 2002. "Credit Risk in Two Institutional Regimes: Spanish Commercial and Savings Banks," Journal of Financial Services Research, Springer, vol. 22(3), pages 203-224, December. [Downloadable!] (restricted)
    110. A. Houben & J. Kakes, 2001. "Fostering the `New Economy': the role of financial intermediation," MEB Series (discontinued) 2001-7, Netherlands Central Bank, Monetary and Economic Policy Department. [Downloadable!]
    111. Busetta, Giovanni & Presbitero, Andrea F., 2008. "Confidi, Piccole Imprese E Banche: Un'Analisi Empirica
      [Mutual Loan-Guarantee Societies, Small Firms and Banks: An Empirical Investigation]      ," MPRA Paper 7832, University Library of Munich, Germany. [Downloadable!]
    112. Timo Baas & Mechthild Schrooten, 2006. "‘Relationship Banking and SMEs: A Theoretical Analysis’," Small Business Economics, Springer, vol. 27(2), pages 127-137, October. [Downloadable!] (restricted)
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    113. M. Meuleman & S. Manigart & A. Lockett & M. Wright, 2006. "Working With Unfamiliar Partners: Relational Embeddedness And Partner Selection In Inter-Firm Collaborations," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 06/371, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
    114. John Armour & Douglas Cumming, 2004. "The Legal Road To Replicating Silicon Valley," ESRC Centre for Business Research - Working Papers wp281, ESRC Centre for Business Research. [Downloadable!]
    115. Dirk Bergemann & Ulrich Hege, 2001. "The Financing of Innovation: Learning and Stopping," Cowles Foundation Discussion Papers 1292R, Cowles Foundation, Yale University, revised Oct 2004. [Downloadable!]
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    116. Gellatly, Guy & Riding, Allan & Thornhill, Stewart, 2003. "Growth History, Knowledge Intensity and Capital Structure in Small Firms," Economic Analysis (EA) Research Paper Series 2003006e, Statistics Canada, Analytical Studies Branch. [Downloadable!]
    117. Eslyn Jean-Baptiste, 2005. "Information Monopoly and Commitment in Intermediary-Firm Relationships," Journal of Financial Services Research, Springer, vol. 27(1), pages 5-26, February. [Downloadable!] (restricted)
    118. Hui Chen & Jianjun Miao & Neng Wang, 2009. "Entrepreneurial Finance and Non-diversifiable Risk," NBER Working Papers 14848, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    119. Bertocco Giancarlo, 2003. "The economics of financing firms: the role of banks," Economics and Quantitative Methods qf0312, Department of Economics, University of Insubria. [Downloadable!]
    120. Siri Terjesen & László Szerb, 2008. "Dice thrown from the beginning? An empirical investigation of determinants of firm level growth expectations," Estudios de Economia, University of Chile, Department of Economics, vol. 35(2 Year 20), pages 153-178, December. [Downloadable!]
    121. Doris Neuberger & Christoph Schacht, 2005. "The Number of Bank Relationships of SMEs: A Disaggregated Analysis for the Swiss Loan Market," Finance 0506018, EconWPA. [Downloadable!]
    122. Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll, 2004. "Loan commitments and private firms," Finance and Economics Discussion Series 2004-27, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    123. Knockaert, M. & Clarysse, B. & Wright, M. & Lockett, A., 2008. "Agency and similarity effects and the VC's attitude towards academic spin-out investing," Vlerick Leuven Gent Management School Working Paper Series 2008-22, Vlerick Leuven Gent Management School. [Downloadable!]
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    124. Berger, Allen N. & Klapper, Leora F. & Martinez Peria, Maria Soledad & Zaidi, Rida, 2006. "Bank ownership type and banking relationships," Policy Research Working Paper Series 3862, The World Bank. [Downloadable!]
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    125. José López-Gracia & Francisco Sogorb-Mira, 2008. "Testing trade-off and pecking order theories financing SMEs," Small Business Economics, Springer, vol. 31(2), pages 117-136, August. [Downloadable!] (restricted)
    126. Raine Hermans & Antti-Jussi Tahvanainen, 2002. "Ownership and Financial Structure of Biotechnology SMEs: Evidence from Finland," Discussion Papers 835, The Research Institute of the Finnish Economy. [Downloadable!]
    127. Paul Huck & Sherrie L. W. Rhine & Philip Bond & Robert Townsend, 1999. "Small business finance in two Chicago minority neighborhoods," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q II, pages 46-62. [Downloadable!]
    128. Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Discussion Paper 2007-018, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]
    129. Astrid Romain & Bruno Van Pottelsberghe, 2004. "The determinants of venture capital: A Panel Data Analysis of 16 OECD Countries," Working Papers CEB 04-015.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
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    130. Mark Schreiner, 2001. "Microenterprise in the First and Third Worlds," Development and Comp Systems 0108001, EconWPA, revised 27 Dec 2001. [Downloadable!]
    131. Ari Hyytinen & Mika Pajarinen, 2004. "Opacity of Young Firms: Faith or Fact?," Discussion Papers 923, The Research Institute of the Finnish Economy. [Downloadable!]
    132. Engel, Dirk, 2002. "The Impact of Venture Capital on Firm Growth : An Empirical Investigation," ZEW Discussion Papers 02-02, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research. [Downloadable!]
    133. David J. Brophy & Wassim Mourtada, 1999. "Equity finance and the economic transition of rural America : a new framework for private-sector initiatives and positive economic public policy," Proceedings – Rural Conferences, Federal Reserve Bank of Kansas City, issue Aug, pages 107-164. [Downloadable!]
    134. Cécile Carpentier & Jean-Marc Suret, 2004. "Bypassing the Financial Growth Cycle: Evidence from Capital Pool Companies," CIRANO Working Papers 2004s-48, CIRANO. [Downloadable!]
    135. Cumming, Douglas & Johan, Sofia, 2006. "Corporate social responsibility: domestic and international private equity institutional investment," Discussion Paper 2, Tilburg University, Tilburg Law and Economic Center. [Downloadable!]
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    136. Massimo Colombo & Luca Grilli, 2007. "Funding Gaps? Access To Bank Loans By High-Tech Start-Ups," Small Business Economics, Springer, vol. 29(1), pages 25-46, June. [Downloadable!] (restricted)
    137. Baldwin, John R. & Gaudreault, Valérie & Gellatly, Guy, 2002. "Financing Innovation in New Small Firms: New Evidence from Canada," Analytical Studies Branch Research Paper Series 2002190e, Statistics Canada, Analytical Studies Branch. [Downloadable!]
    138. Ari Hyytinen & Lotta Väänänen, 2002. "Government Funding of Small and Medium-sized Enterprises in Finland," Discussion Papers 832, The Research Institute of the Finnish Economy. [Downloadable!]
    139. Robert Cressy, 2002. "Introduction: Funding Gaps," Economic Journal, Royal Economic Society, vol. 112(477), pages F1-F16, February. [Downloadable!] (restricted)
    140. van Pottelsberghe, Bruno & Romain, Astrid, 2004. "The Determinants of Venture Capital : Additional Evidence," Discussion Paper Series 1: Economic Studies 2004,19, Deutsche Bundesbank, Research Centre. [Downloadable!]
    141. José Ernesto Amorós & Miguel Atienza & Gianni Romaní, 2008. "Formal and Informal Equity Funding in Chile," Estudios de Economia, University of Chile, Department of Economics, vol. 35(2 Year 20), pages 179-194, December. [Downloadable!]
    142. Hernán Ortiz-Molina & María Penas, 2008. "Lending to small businesses: the role of loan maturity in addressing information problems," Small Business Economics, Springer, vol. 30(4), pages 361-383, April. [Downloadable!] (restricted)
    143. Cécile Carpentier & Jean-Marc Suret, 2009. "The Survival and Success of Canadian Penny Stock IPOs," CIRANO Working Papers 2007s-28, CIRANO. [Downloadable!]
    144. Ben Craig & James Thomson, 2003. "Federal Home Loan Bank Lending to Community Banks: Are Targeted Subsidies Desirable?," Journal of Financial Services Research, Springer, vol. 23(1), pages 5-28, February. [Downloadable!] (restricted)
    145. Teemu Haukioja & Jarmo Hahl, 2001. "The Emergence of the New Economy, and its Challenge to Financial Intermediation and Banking," Discussion Papers 772, The Research Institute of the Finnish Economy. [Downloadable!]
    146. Ant Bozkaya & Astrid Romain & Bruno Van Pottelsberghe, 2003. "Surveying Technology-Based Small Firms: A perspective from Belgium," Working Papers CEB 04-020.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
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    147. Ginés Hernández-Cánovas & Pedro Martínez-Solano, 2007. "Effect of the Number of Banking Relationships on Credit Availability: Evidence from Panel Data of Spanish Small Firms," Small Business Economics, Springer, vol. 28(1), pages 37-53, January. [Downloadable!] (restricted)
    148. Mark Schreiner, 2001. "Evaluation and Microenterprise Programs," Development and Comp Systems 0108002, EconWPA, revised 27 Dec 2001. [Downloadable!]
    149. Richard Shearmur, 2001. "Financial Flows and Places: The Case of Monreal," Canadian Public Policy, University of Toronto Press, vol. 27(2), pages 219-233, June. [Downloadable!] (restricted)
    150. S. Manigart & A. Lockett & M. Meuleman & M. Wright & H. Landström & H. Bruining & P. Desbrières & U. Hommel, 2004. "Why Do Venture Capital Companies Syndicate?," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 04/226, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
    151. Ari Hyytinen & Mika Pajarinen, 2002. "Small Business Finance in Finland. A Descriptive Study," Discussion Papers 812, The Research Institute of the Finnish Economy. [Downloadable!]
    152. Bertocco Giancarlo, 2003. "The role of banks in financing small and medium firms," Economics and Quantitative Methods qf0308, Department of Economics, University of Insubria. [Downloadable!]
    153. Verheul, I. & Thurik, A.R., 2000. "Start-Up Capital," Research Paper ERS-2000-07-STR Revision_, Erasmus Research Institute of Management (ERIM), ERIM is the joint research institute of the Rotterdam School of Management, Erasmus University and the Erasmus School of Economics (ESE) at Erasmus Uni. [Downloadable!]

  21. Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1997. "The effects of bank mergers and acquisitions on small business lending," Finance and Economics Discussion Series 1997-28, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    1. Robert M. Adams & Lars-Hendrik Röller & Robin C. Sickles, 2002. "Market Power in Outputs and Inputs: An Empirical Application to Banking," CIG Working Papers FS IV 02-33, Wissenschaftszentrum Berlin (WZB), Research Unit: Competition and Innovation (CIG). [Downloadable!]
      Other versions:
    2. Charles Ou, 2004. "Statistical Databases for Economic Research on the Financing of Small Firms in the United States," The Office of Advocacy Small Business Working Papers 04ou, U.S. Small Business Administration, Office of Advocacy. [Downloadable!]
    3. R. Alton Gilbert, 2000. "Nationwide branch banking and the presence of large banks in rural areas," Review, Federal Reserve Bank of St. Louis, issue May, pages 13-28. [Downloadable!]
    4. Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Finance 0404017, EconWPA. [Downloadable!]
      Other versions:
    5. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    6. Robert DeYoung & William Hunter & Gregory Udell, 2004. "The Past, Present, and Probable Future for Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 85-133, April. [Downloadable!] (restricted)
      Other versions:
    7. Mitchell A. Petersen, 1999. "The small business lending relationship: session A," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 401-410. [Downloadable!]
    8. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    9. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad & Sanchez, Susana M., 2002. "Bank lending to small businesses in Latin America : does Bank origin matter?," Policy Research Working Paper Series 2760, The World Bank. [Downloadable!]
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    10. Gayle DeLong & Robert DeYoung, 2004. "Learning by observing: information spillovers in the execution and valuation of commercial bank M&As," Working Paper Series WP-04-17, Federal Reserve Bank of Chicago. [Downloadable!]
    11. Franklin Allen & James McAndrews & Philip Strahan, 2001. "E-Finance: An Introduction," Center for Financial Institutions Working Papers 01-36, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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    12. Dario Focarelli & Fabio Panetta, 2002. "Are mergers beneficial to consumers? evidence from the market for bank deposits," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 469-493. [Downloadable!]
    13. Marsch, Katharina & Schmieder, Christian & Forster-van Aerssen, Katrin, 2007. "Banking consolidation and small businessfinance : empirical evidence for Germany," Discussion Paper Series 2: Banking and Financial Studies 2007,09, Deutsche Bundesbank, Research Centre. [Downloadable!]
    14. George W. Haynes & Charles Ou & Robert Berney, 1999. "Small business borrowing from large and small banks," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 287-327. [Downloadable!]
    15. Allen N. Berger & Seth D. Bonime & Lawrence G. Goldberg & Lawrence J. White, 2000. "The Dynamics of Market Entry: The Effects of Mergers and Acquisitions on De Novo Entry and Small Business Lending in the Banking Industry," Center for Financial Institutions Working Papers 00-12, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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    16. Randall S. Kroszner & Philip E. Strahan, 1998. "What Drives Deregulation? Economics and Politics of the Relaxation of Bank Branching Restrictions," NBER Working Papers 6637, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    17. Dean F. Amel & Colleen Barnes & Fabio Panetta & Carmelo Salleo, 2003. "Consolidation and Efficiency in the Financial Sector: A Review of the International Evidence," CEIS Research Paper 20, Tor Vergata University, CEIS. [Downloadable!]
    18. Joe Peek & Eric S. Rosengren, 1997. "Bank consolidation and small business lending: it's not just bank size that matters," Working Papers 97-1, Federal Reserve Bank of Boston. [Downloadable!]
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    19. Jason Karceski & Steven Ongena & David C. Smith, 2000. "The impact of bank consolidation on commercial borrower welfare," International Finance Discussion Papers 679, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    20. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    21. Allen N.Berger & Lawrence G. Goldberg & Lawrence J. White, 2001. "The Effects of Dynamic Changes in Bank Competition on the Supply of Small Business Credit," Working Papers 01-07, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
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    22. Jalal Akhavein & Lawrence Goldberg & Lawrence White, 2004. "Small Banks, Small Business, and Relationships: An Empirical Study of Lending to Small Farms," Journal of Financial Services Research, Springer, vol. 26(3), pages 245-261, December. [Downloadable!] (restricted)
    23. Allen N. Berger & Leora F. Klapper & Gregory F. Udell, 2001. "The ability of banks to lend to informationally opaque small businesses," Finance and Economics Discussion Series 2001-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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    24. Panetta, Fabio & Schivardi, Fabiano & Shum, Matthew, 2005. "Do Mergers Improve Information? Evidence from the Loan Market," CEPR Discussion Papers 4961, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
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    25. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence J. White, 2005. "The effects of competition from large, multimarket firms on the performance of small, single-market firms: evidence from the banking industry," Finance and Economics Discussion Series 2005-15, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    26. Atsushi Iimi, 2003. "Efficiency in the Pakistani Banking Industry: Empirical Evidence after the Structural Reform in the Late 1990s," The Pakistan Development Review, Pakistan Institute of Development Economics, vol. 42(1), pages 41-57. [Downloadable!]
    27. Erel, Isil, 2007. "The Effect of Bank Mergers on Loan Prices: Evidence from the U.S," Working Paper Series 2006-19, Ohio State University, Charles A. Dice Center for Research in Financial Economics. [Downloadable!]
    28. Vinicius Carrasco & João Manoel Pinho de Mello, 2006. "Relationship lending: Is it Incentives or hidden information?," Textos para discussão 519, Department of Economics PUC-Rio (Brazil). [Downloadable!]
    29. Hans Degryse & Steven Ongena, 2002. "Bank-Firm Relationships and International Banking Markets," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 9(3), pages 401-417, November. [Downloadable!] (restricted)
    30. Allen N. Berger, 1999. "The "big picture" about relationship-based finance," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 390-400. [Downloadable!]
    31. Dario Focarelli & Fabio Panetta & Carmelo Salleo, 1999. "Why Do Banks Merge?," Temi di discussione (Economic working papers) 361, Bank of Italy, Economic Research Department. [Downloadable!]
    32. Kevin Stiroh, 2004. "Do Community Banks Benefit from Diversification?," Journal of Financial Services Research, Springer, vol. 25(2), pages 135-160, April. [Downloadable!] (restricted)
    33. Katherine A. Samolyk & Christopher A. Richardson, 2001. "The impact of bank consolidation on CRA business lending," Proceedings, Federal Reserve Bank of Chicago, issue Apr, pages 320-339. [Downloadable!]
    34. R. Glenn Hubbard & Kenneth N. Kuttner & Darius N. Palia, 1999. "Are there "bank effects" in borrowers' costs of funds? Evidence from a matched sample of borrowers and banks," Staff Reports 78, Federal Reserve Bank of New York. [Downloadable!]
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    35. Andrew P. Meyer & Timothy J. Yeager, 2001. "Are small rural banks vulnerable to local economic downturns?," Review, Federal Reserve Bank of St. Louis, issue Mar, pages 25-38. [Downloadable!]
    36. Randall S. Kroszner & Philip E. Strahan, 2001. "Obstacles to Optimal Policy: The Interplay of Politics and Economics in Shaping Bank Supervision and Regulation Reforms," NBER Chapters, in: Prudential Supervision: What Works and What Doesn't, pages 233-272 National Bureau of Economic Research, Inc. [Downloadable!]
    37. O. Emre Ergungor, 2006. "Bank branch presence and access to credit in low-to-moderate income neighborhoods," Working Paper 0616, Federal Reserve Bank of Cleveland. [Downloadable!]
    38. Jeremy Berkowitz & Michelle J. White, 1999. "The effect of personal bankruptcy law on small firms' access to credit," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 445-466. [Downloadable!]
    39. Walraven, Nicholas A., 1999. "Lending By Rural Banks Involved In Mergers," Journal of Agricultural and Applied Economics, Southern Agricultural Economics Association, vol. 31(02), August. [Downloadable!]
    40. Brian Uzzi & James J. Gillespie, 1999. "What small firms get capital and what cost: notes on the role of social capital and banking networks," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 413-444. [Downloadable!]
    41. David Carter & James McNulty & James Verbrugge, 2004. "Do Small Banks have an Advantage in Lending? An Examination of Risk-Adjusted Yields on Business Loans at Large and Small Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 233-252, April. [Downloadable!] (restricted)
    42. Marco Valentini, 2006. "Ristrutturazione del sistema creditizio, piccole e medie imprese e crescita economica nel mezzogiorno," Departmental Working Papers of Economics - University 'Roma Tre' 0065, Department of Economics - University Roma Tre. [Downloadable!]
    43. Bongini, Paola & Di Battista, Maria Luisa & Zavarrone, Emma, 2006. "David and Goliath: small banks in an era of consolidation. Evidence from Italy," MPRA Paper 4841, University Library of Munich, Germany. [Downloadable!]
    44. Alexander Cobham, . "Making Bad Decisions: firm size and investment under uncertainty," QEH Working Papers qehwps39, Queen Elizabeth House, University of Oxford. [Downloadable!]
    45. Fotios Pasiouras & Chrysovalantis Gaganis & Constantin Zopounidis, 2008. "Regulations, Supervision Approaches and Acquisition Likelihood in the Asian Banking Industry," Asia-Pacific Financial Markets, Springer, vol. 15(2), pages 135-154, June. [Downloadable!] (restricted)
    46. David T. Llewellyn, 1999. "The New Economics of Banking," SUERF Studies, SUERF - The European Money and Finance Forum, number 5 edited by Morten Balling. [Downloadable!]
    47. Robert Town & Douglas Wholey & Roger Feldman & Lawton R. Burns, 2006. "The Welfare Consequences of Hospital Mergers," NBER Working Papers 12244, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    48. Robin A. Prager & John D. Wolken, 2008. "The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances," Finance and Economics Discussion Series 2008-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    49. Mitchell Petersen, 2004. "Comment on Stiroh," Journal of Financial Services Research, Springer, vol. 25(2), pages 161-167, April. [Downloadable!] (restricted)
    50. Allen N. Berger & W. Scott Frame & Nathan H. Miller, 2002. "Credit scoring and the availability, price, and risk of small business credit," Working Paper 2002-6, Federal Reserve Bank of Atlanta. [Downloadable!]
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    51. Cole, Rebel & Walraven, Nick, 1998. "Banking consolidation and the availability of credit to small businesses," MPRA Paper 4716, University Library of Munich, Germany. [Downloadable!]
    52. Robert Avery & Katherine Samolyk, 2004. "Bank Consolidation and Small Business Lending: The Role of Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 291-325, April. [Downloadable!] (restricted)
    53. Fabio Panetta & Dario Focarelli & Carmelo Salleo, 2003. "Why do Banks Merge?," CEIS Research Paper 3, Tor Vergata University, CEIS. [Downloadable!]
    54. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2008. "Loan officers and relationship lending to SMEs," Working Paper Series 2008-17, Federal Reserve Bank of San Francisco. [Downloadable!]
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    55. Pr. D. Patrick Van Cayseele, 2002. "Investment, R&D and liquidity constraints," Research series 200205-14, National Bank of Belgium. [Downloadable!]
    56. Berger, Allen N. & Rosen, Richard J. & Udell, Gregory F., 2005. "Does Market Size Structure Affect Competition? The Case of Small Business Lending," CEI Working Paper Series 2005-8, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University. [Downloadable!]
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    57. Fabio Panetta & Dario Focarelli, 2003. "Are Mergers Beneficial to Consumers? Evidence from the Italian Market for Bank Deposits," CEIS Research Paper 10, Tor Vergata University, CEIS. [Downloadable!]
    58. Elizabeth Laderman, 2006. "Market power and relationships in small business lending," Working Paper Series 2007-07, Federal Reserve Bank of San Francisco. [Downloadable!]
    59. Randall S. Kroszner, . "Testimony of Randall S. Kroszner Before the Committee on Banking and Financial Services, U.S. House of Representatives, April 29, 1998," CRSP working papers 473, Center for Research in Security Prices, Graduate School of Business, University of Chicago. [Downloadable!]
    60. Charles Kahn & George Pennacchi & Ben Sopranzetti, 2001. "Bank Consolidation and Consumer Loan Interest Rates," Center for Financial Institutions Working Papers 01-14, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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    61. Allen N. Berger & Astrid A. Dick & Lawrence G. Goldberg & Lawrence White, 2005. "The Effects of Competition from Large, Multimarket Firms on the Performance of Small, Single-Market Firms: Evidence from the Banking Industry Author-Name: Allen N. Berger," Working Papers 05-02, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
    62. Randall S. Kroszner & Philip E. Strahan, 1997. "The political economy of deregulation: evidence from the relaxation of bank branching restrictions in the United States," Research Paper 9720, Federal Reserve Bank of New York. [Downloadable!]
    63. Kenneth Daniels & Gabriel Ramirez, 2008. "Information, Credit Risk, Lender Specialization and Loan Pricing: Evidence from the DIP Financing Market," Journal of Financial Services Research, Springer, vol. 34(1), pages 35-59, August. [Downloadable!] (restricted)
    64. Michael Devaney & William Weber, 2002. "Small-Business Lending and Profit Efficiency in Commercial Banking," Journal of Financial Services Research, Springer, vol. 22(3), pages 225-246, December. [Downloadable!] (restricted)
    65. El?d Takáts, 2004. "Banking consolidation and small business lending," Working Paper Series 407, European Central Bank. [Downloadable!]
    66. Mark J. Garmaise & Tobias J. Moskowitz, 2004. "Bank Mergers and Crime: The Real and Social Effects of Credit Market Competition," NBER Working Papers 11006, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    67. Asli Demirguc-Kunt & Luc Laeven & Ross Levine, 2003. "Regulations, Market Structure, Institutions, and the Cost of Financial Intermediation," NBER Working Papers 9890, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    68. Javier Delgado & Vicente Salas-Fumás & Jesús Saurina, 2006. "The joint size and ownership specialization in banks' lending," Banco de España Working Papers 0606, Banco de España. [Downloadable!]
    69. Emilia Bonaccorsi di Patti & Giorgio Gobbi, 2001. "The Effects of Bank Consolidation and Market Entry on Small Business Lending," Temi di discussione (Economic working papers) 404, Bank of Italy, Economic Research Department. [Downloadable!]
    70. Luc Laeven & Ross Levine, 2008. "Bank Governance, Regulation, and Risk Taking," NBER Working Papers 14113, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    71. Dean Amel & Colleen Barnes & Fabio Panetta & Carmelo Salleo, 2002. "Consolidation and efficiency in the financial sector: a review of the international evidence," Finance and Economics Discussion Series 2002-47, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    72. Joe Peek & Eric Rosengren, 1998. "The evolution of bank lending to small business," New England Economic Review, Federal Reserve Bank of Boston, issue Mar, pages 27-36. [Downloadable!]
    73. Ralph de Haas & Ilko Naaborg, 2005. "Does Foreign Bank Entry Reduce Small Firms' Access to Credit? Evidence from European Transition Economies," DNB Working Papers 050, Netherlands Central Bank, Research Department. [Downloadable!]
    74. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "Loan Officers and Relationship Lending," Discussion papers 06031, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    75. Gregory F. Udell & Philip E. Strahan, 1999. "The small business lending relationship: session B (discussion comments)," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 503-526. [Downloadable!]
    76. Kenneth A. Carow & Edward J. Kane & Rajesh Narayanan, 2003. "How Have Borrowers Fared in Banking Mega-Mergers?," NBER Working Papers 10623, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    77. Ahrendsen, Bruce & Dixon, Bruce & Luo, Bing, 2003. "The Effects Of Bank Mergers On Commercial Bank Agricultural Lending," 2003 Annual meeting, July 27-30, Montreal, Canada 22051, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association). [Downloadable!]
    78. Rebel A. Cole & Lawrence G. Goldberg & Lawrence J. White, 1999. "Cookie-cutter versus character: the micro structure of small business lending by large and small banks," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 362-389. [Downloadable!]
      Other versions:
    79. Charles Ou, 2005. "Banking Consolidation and Small Business Lending:A Review of Recent Research," The Office of Advocacy Small Business Working Papers 05ou, U.S. Small Business Administration, Office of Advocacy. [Downloadable!]
    80. Kenneth A. Carow & Edward J. Kane & Rajesh P. Narayanan, 2005. "Winners and Losers from Enacting the Financial Modernization Statute," NBER Working Papers 11256, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    81. Randall S. Kroszner & Philip E. Strahan, 2000. "Obstacles to Optimal Policy: The Interplay of Politics and Economics in Shaping Bank Supervision and Regulation Reforms," CRSP working papers 512, Center for Research in Security Prices, Graduate School of Business, University of Chicago. [Downloadable!]
    82. Dario Focarelli & Fabio Panetta, 2003. "Are Mergers Beneficial to Consumers? Evidence from the Market for Bank Deposits," American Economic Review, American Economic Association, vol. 93(4), pages 1152-1172, September. [Downloadable!]
    83. Cull, Robert & Demirguc-Kunt, Asli & Morduch, Jonathan, 2009. "Banks and microbanks," Policy Research Working Paper Series 5078, The World Bank. [Downloadable!]
    84. Judit Montoriol-Garriga, 2008. "Bank mergers and lending relationships," Working Paper Series 934, European Central Bank. [Downloadable!]
    85. Allen N. Berger & Richard J. Rosen & Gregory F. Udell, 2001. "The effect of market size structure on competition: the case of small business lending," Working Paper Series WP-01-10, Federal Reserve Bank of Chicago. [Downloadable!]
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    86. Eslyn Jean-Baptiste, 2005. "Information Monopoly and Commitment in Intermediary-Firm Relationships," Journal of Financial Services Research, Springer, vol. 27(1), pages 5-26, February. [Downloadable!] (restricted)
    87. Dario Focarelli & Fabio Panetta, 2002. "Are Mergers Beneficial to Consumers? Evidence from the Market for Bank Deposits," Temi di discussione (Economic working papers) 448, Bank of Italy, Economic Research Department. [Downloadable!]
    88. Tetsuji Okazaki & Michiru Sawada & Ke Wang, 2005. "The Fall of "Organ Bank" Relationships During the Wave of Bank Failures and Consolidations: Experience in Pre-war Japan," CIRJE F-Series CIRJE-F-379, CIRJE, Faculty of Economics, University of Tokyo. [Downloadable!]
    89. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad, 2001. "Does foreign bank penetration reduce access to credit in developing countries"evidence from asking borrowers," Policy Research Working Paper Series 2716, The World Bank. [Downloadable!]
    90. Ross Levine & Alexey Levkov & Yona Rubinstein, 2008. "Racial Discrimination and Competition," NBER Working Papers 14273, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    91. Schertler, Andrea & Buch, Claudia M. & von Westernhagen, Natalja, 2006. "Heterogeneity in lending and sectoral growth : evidence from German bank-level data," Discussion Paper Series 2: Banking and Financial Studies 2006,04, Deutsche Bundesbank, Research Centre. [Downloadable!]
      Other versions:
    92. Ralph de Haas, 2006. "Monitoring Costs and Multinational-Bank Lending," DNB Working Papers 088, Netherlands Central Bank, Research Department. [Downloadable!]
    93. Nicola Cetorelli & Philip Strahan, 2004. "Finance as a barrier to entry: bank competition and industry structure in local U.S. markets," Working Paper Series WP-04-04, Federal Reserve Bank of Chicago. [Downloadable!]
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    94. David Ely & Kenneth Robinson, 2009. "Credit Unions and Small Business Lending," Journal of Financial Services Research, Springer, vol. 35(1), pages 53-80, February. [Downloadable!] (restricted)
    95. Paul Huck & Sherrie Rhine & Robert Townsend & Philip Bond, 1999. "A comparison of small business finance in two Chicago minority neighborhoods," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 467-502. [Downloadable!]
    96. David J. Brophy & Wassim Mourtada, 1999. "Equity finance and the economic transition of rural America : a new framework for private-sector initiatives and positive economic public policy," Proceedings – Rural Conferences, Federal Reserve Bank of Kansas City, issue Aug, pages 107-164. [Downloadable!]
    97. Claessens, Stijn & Klingebiel, Daniela, 1999. "Alternative frameworks for providing financial services," Policy Research Working Paper Series 2189, The World Bank. [Downloadable!]
    98. Jonathan A. Scott & William C. Dunkelber, 1999. "Bank consolidation and small business lending: a small firm perspective," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 328-361. [Downloadable!]
    99. Kenneth A. Carow & Edward J. Kane & Rajesh P. Narayanan, 2005. "How have borrowers fared in banking mega-mergers?," Working Paper Series 2005-09, Federal Reserve Bank of San Francisco. [Downloadable!]
    100. Berger, Allen N. & Clarke, George R. G. & Cull, Robert & Klapper, Leora & Udell, Gregory F., 2005. "Corporate governance and bank performance : a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership," Policy Research Working Paper Series 3632, The World Bank. [Downloadable!]
      Other versions:
    101. Loretta J. Mester, 1999. "Banking industry's consolidation: what's a small business to do?," Business Review, Federal Reserve Bank of Philadelphia, issue Jan, pages 3-16. [Downloadable!]
    102. Dodson, Charles & Koenig, Steven, 2005. "The Competitiveness of Farm Credit Markets in a Deregulated Environment," 2005 Annual meeting, July 24-27, Providence, RI 19479, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association). [Downloadable!]
    103. M. Idriss GHODBANE, 2002. "Centralization Versus Decentralization in Credit Lending," Discussion Papers (IRES - Institut de Recherches Economiques et Sociales) 2002002, Université catholique de Louvain, Institut de Recherches Economiques et Sociales (IRES). [Downloadable!]
    104. Richards, Timothy J. & Acharya, Ram N. & Kagan, Albert, 2007. "Spatial Competition and Market Power in Banking," 2007 1st Forum, February 15-17, 2007, Innsbruck, Austria 6566, International European Forum on Innovation and System Dynamics in Food Networks. [Downloadable!]
    105. Robert M. Adams & Lars-Hendrik Roeller & Robin C. Sickles, 2000. "Measuring Market Power in Input and Output Markets: An Empirical Application to Banking," Econometric Society World Congress 2000 Contributed Papers 1466, Econometric Society. [Downloadable!]
    106. Ricardo Correa, 2008. "Bank integration and financial constraints: evidence from U.S. firms," International Finance Discussion Papers 925, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    107. Ralph de Haas & Ilko Naaborg, 2005. "Foreign Banks in Transition Economies: Small Business Lending and Internal Capital Markets," International Finance 0504004, EconWPA. [Downloadable!]
    108. Raphael W. Bostic & Breck L. Robinson, 2004. "The impact of CRA agreements on community banks," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 165-187. [Downloadable!]

  22. Allen N. Berger & Gregory F. Udell, 1995. "Universal Banking and the Future of Small Business Lending," Center for Financial Institutions Working Papers 95-17, Wharton School Center for Financial Institutions, University of Pennsylvania.
    Other versions:

    Cited by:

    1. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "SME financing and the choice of lending technology," Discussion papers 06025, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    2. Steven Ongena, 1999. "Lending Relationships, Bank Default and Economic Activity," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 6(2), pages 257-280, July. [Downloadable!] (restricted)
    3. Allen N. Berger & Iftekhar Hasan & Leora F. Klapper, 2004. "Further evidence on the link between finance and growth: An international analysis of community banking and economic performance," Finance 0404017, EconWPA. [Downloadable!]
      Other versions:
    4. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    5. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    6. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad & Sanchez, Susana M., 2002. "Bank lending to small businesses in Latin America : does Bank origin matter?," Policy Research Working Paper Series 2760, The World Bank. [Downloadable!]
      Other versions:
    7. Allen N. Berger & Seth D. Bonime & Lawrence G. Goldberg & Lawrence J. White, 2000. "The Dynamics of Market Entry: The Effects of Mergers and Acquisitions on De Novo Entry and Small Business Lending in the Banking Industry," Center for Financial Institutions Working Papers 00-12, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
      Other versions:
    8. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    9. Allen N.Berger & Lawrence G. Goldberg & Lawrence J. White, 2001. "The Effects of Dynamic Changes in Bank Competition on the Supply of Small Business Credit," Working Papers 01-07, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
      Other versions:
    10. Allen N. Berger & Leora F. Klapper & Gregory F. Udell, 2001. "The ability of banks to lend to informationally opaque small businesses," Finance and Economics Discussion Series 2001-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    11. O. Emre Ergungor, 2002. "Community banks as small business lenders: the tough road ahead," Working Paper 0203, Federal Reserve Bank of Cleveland. [Downloadable!]
    12. Erel, Isil, 2007. "The Effect of Bank Mergers on Loan Prices: Evidence from the U.S," Working Paper Series 2006-19, Ohio State University, Charles A. Dice Center for Research in Financial Economics. [Downloadable!]
    13. Nicholas Walraven, 1997. "Small business lending by banks involved in mergers," Finance and Economics Discussion Series 1997-25, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    14. Katherine A. Samolyk & Christopher A. Richardson, 2001. "The impact of bank consolidation on CRA business lending," Proceedings, Federal Reserve Bank of Chicago, issue Apr, pages 320-339. [Downloadable!]
    15. Lynn W. Woosley & B. Frank King & Michael S. Padhi, 2000. "Is commercial banking a distinct line of commerce?," Economic Review, Federal Reserve Bank of Atlanta, issue Q4, pages 39-58. [Downloadable!]
    16. Lili Xie, 2007. "Universal Banking, Conflicts of Interest and Firm Growth," Working Papers 200703, Ball State University, Department of Economics, revised Jul 2007. [Downloadable!]
    17. Marco Valentini, 2006. "Ristrutturazione del sistema creditizio, piccole e medie imprese e crescita economica nel mezzogiorno," Departmental Working Papers of Economics - University 'Roma Tre' 0065, Department of Economics - University Roma Tre. [Downloadable!]
    18. Deborah M. Markley, 2001. "Financing the new rural economy," Proceedings – Rural Conferences, Federal Reserve Bank of Kansas City, issue Sep, pages 69-80. [Downloadable!]
    19. W. Scott Frame & Michael Padhi & Lynn Woosley, 2001. "The effect of credit scoring on small business lending in low- and moderate-income areas," Working Paper 2001-6, Federal Reserve Bank of Atlanta. [Downloadable!]
    20. Jeremy C. Stein, 2000. "Information Production and Capital Allocation: Decentralized vs. Hierarchical Firms," NBER Working Papers 7705, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    21. El?d Takáts, 2004. "Banking consolidation and small business lending," Working Paper Series 407, European Central Bank. [Downloadable!]
    22. Kwangwoo Park & George Pennacchi, 2007. "Harming depositors and helping borrowers: the disparate impact of bank consolidation," Working Paper 0704, Federal Reserve Bank of Cleveland. [Downloadable!]
    23. Anthony M Santomero & David L. Eckles, 2000. "The Determinants Of Success In the New Financial Services Environment: Now That Firms Can Do Everything, What Should They Do And Why Should Regulators Care?," Center for Financial Institutions Working Papers 00-32, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    24. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    25. Jose Maria Liberti, 2004. "Initiative, Incentives and Soft Information. How Does Delegation Impact The Role of Bank Relationship Managers?," Finance 0404023, EconWPA. [Downloadable!]
    26. Steven Drucker, 2005. "Information asymmetries and the effects of banking mergers of firm-bank relationships," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 140-147. [Downloadable!]
    27. Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1997. "The effects of bank mergers and acquisitions on small business lending," Finance and Economics Discussion Series 1997-28, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    28. Jalal Akhavein & Lawrence G. Goldberg & Lawrence J. White, 2002. "Relationship Lending and Denovo Banks: An examination of Bank Lending to Small Farm Borrowers," Working Papers 02-04, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
    29. Ryan R. Brady, 2006. "Structural Breaks and Consumer Credit: Is Consumption Smoothing Finally a Reality?," Departmental Working Papers 13, United States Naval Academy Department of Economics. [Downloadable!]
      Other versions:
    30. M. Idriss GHODBANE, 2002. "Centralization Versus Decentralization in Credit Lending," Discussion Papers (IRES - Institut de Recherches Economiques et Sociales) 2002002, Université catholique de Louvain, Institut de Recherches Economiques et Sociales (IRES). [Downloadable!]
    31. Ricardo Correa, 2008. "Bank integration and financial constraints: evidence from U.S. firms," International Finance Discussion Papers 925, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]

  23. Allen Berger & Gregory Udell, 1994. "Did Risk-Based Capital Allocate Bank Credit and Cause a `Credit Crunch' in the U.S.?," Center for Financial Institutions Working Papers 94-07, Wharton School Center for Financial Institutions, University of Pennsylvania.
    Other versions:

    Cited by:

    1. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    2. Robert DeYoung & Anne Gron & Andrew Winton, 2005. "Risk overhang and loan portfolio decisions," Working Paper Series WP-05-04, Federal Reserve Bank of Chicago. [Downloadable!]
    3. Steven R. Grenadier & Brian J. Hall, 1995. "Risk-Based Capital Standards and the Riskiness of Bank Portfolios: Credit and Factor Risks," NBER Working Papers 5178, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    4. Abhiman Das & Ashok K. Nag, 2004. "Credit Growth and Response to Capital Requirements: Evidence from Indian Public Sector Banks," Industrial Organization 0411003, EconWPA. [Downloadable!]
    5. Sumon Kumar Bhaumik & Jenifer Piesse, 2006. "Does lending behaviour of banks in emerging economies vary by ownership? Evidence from the Indian banking sector," CEDI Discussion Paper Series 06-01, Centre for Economic Development and Institutions(CEDI), Brunel University. [Downloadable!]
      Other versions:
    6. R. Glenn Hubbard & Kenneth N. Kuttner & Darius N. Palia, 1999. "Are there "bank effects" in borrowers' costs of funds? Evidence from a matched sample of borrowers and banks," Staff Reports 78, Federal Reserve Bank of New York. [Downloadable!]
      Other versions:
    7. Paul S. Calem & Rafael Rob, 1996. "The impact of capital-based regulation on bank risk-taking: a dynamic model," Finance and Economics Discussion Series 96-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    8. Anthony M Santomero & David L. Eckles, 2000. "The Determinants Of Success In the New Financial Services Environment: Now That Firms Can Do Everything, What Should They Do And Why Should Regulators Care?," Center for Financial Institutions Working Papers 00-32, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    9. Luc Laeven & Giovanni Majnoni, 2002. "Loan loss provisioning and economic slowdowns: too much too late?," Conference Series ; [Proceedings], Federal Reserve Bank of Boston. [Downloadable!]
      Other versions:
    10. Onur Ozgur, 2005. "A Model of Dynamic Liquidity Contracts," Microeconomics 0502004, EconWPA. [Downloadable!]
      Other versions:
    11. Joe Peek & Eric S. Rosengren, 1997. "How well capitalized are well-capitalized banks?," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 41-50. [Downloadable!]

  24. Gregory F. Udell & Paul Wachtel, 1994. "Financial System Design for Formerly Planned Economies: Defining the Issues," Working Papers 94-27, New York University, Leonard N. Stern School of Business, Department of Economics.

    Cited by:

    1. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    2. Anthony M. Santomero, 1996. "The Regulatory and Public Policy Agenda for Effective Intermediation in Post Socialist Economies," Center for Financial Institutions Working Papers 96-34, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    3. Iulia Iuga, 2008. "Analysis On The Romanian Banking Legislation And The Banks Probability Of Default," Annales Universitatis Apulensis Series Oeconomica, Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia, vol. 1(10), pages 43. [Downloadable!]
    4. Cukierman, A., 1996. "The economics of central banking," Discussion Paper 31, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:

  25. Mark Carey S. & Stephen Prowse & John Rea & Gregory Udell, 1993. "The economics of the private placement market," Staff Studies 166, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]

    Cited by:

    1. Jonathan D. Jones & William W. Lang & Peter Nigro, 2001. "Recent trends in bank loan syndications: evidence for 1995-1999," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 328-352.
    2. James R. Booth & Lena Chua, 1995. "Structure and pricing of large bank loans," Economic Review, Federal Reserve Bank of San Francisco, pages 52-62. [Downloadable!]
    3. Rodolfo Apreda, 1999. "Corporate Governance in Argentina - New Developments through 1991-2000," CEMA Working Papers: Serie Documentos de Trabajo. 154, Universidad del CEMA. [Downloadable!]
    4. Fredric S. Mishkin & Philip E. Strahan, 1999. "What Will Technology Do to Financial Structure?," NBER Working Papers 6892, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    5. Elijah Brewer III & Thomas H. Mondschean & Philip Strahan, 1996. "The Role of Monitoring in Reducing the Moral Hazard Problem Associated with Government Guarantees: Evidence from the Life Insurance Industry," Center for Financial Institutions Working Papers 96-15, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    6. Ben Bernanke & Mark Gertler & Simon Gilchrist, 1994. "The Financial Accelerator and the Flight to Quality," NBER Working Papers 4789, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    7. Allen N. Berger & Leora F. Klapper & Gregory F. Udell, 2001. "The ability of banks to lend to informationally opaque small businesses," Finance and Economics Discussion Series 2001-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    8. Andrew Winton, 1996. "Monitored finance, liquidity, and institutional investment choice," Working Paper 9616, Federal Reserve Bank of Cleveland. [Downloadable!]
    9. Stephen D. Prowse, 1997. "The economics of private placements : middle-market corporate finance, life insurance companies, and a credit crunch," Economic and Financial Policy Review, Federal Reserve Bank of Dallas, issue Q III, pages 12-24. [Downloadable!]
    10. Paul S. Calem & Rafael Rob, 1996. "The impact of capital-based regulation on bank risk-taking: a dynamic model," Finance and Economics Discussion Series 96-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    11. Allen N. Berger & Marco A. Espinosa-Vega & W. Scott Frame & Nathan H. Miller, 2004. "Debt maturity, risk, and asymmetric information," Finance and Economics Discussion Series 2004-60, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    12. Endo, Tadashi, 2008. "Broadening the offering choice of corporate bonds in emerging markets : cost-effective access to debt capital," Policy Research Working Paper Series 4655, The World Bank. [Downloadable!]
    13. Vittas, Dimitri, 1998. "Institutional investors and securities markets : which comes first?," Policy Research Working Paper Series 2032, The World Bank. [Downloadable!]
    14. Alexander David, 1998. "Pricing the strategic value of poison put bonds," Finance and Economics Discussion Series 1998-06, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    15. Paul Milgrom & Eva M Meyersson Milgrom & Ravi Singh, 2007. "When Should Control Be Shared?," Levine's Bibliography 843644000000000050, UCLA Department of Economics. [Downloadable!]
    16. Allen Berger & Gregory Udell, 1994. "Lines of Credit and Relationship Lending in Small Firm Finance," Center for Financial Institutions Working Papers 94-11, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
      Other versions:
    17. Simon H. Kwan & Willard T. Carleton, 2004. "Financial contracting and the choice between private placement and publicly offered bonds," Working Papers in Applied Economic Theory 2004-20, Federal Reserve Bank of San Francisco. [Downloadable!]
    18. Galina Hale & João A. C. Santos, 2006. "Evidence on the costs and benefits of bond IPOs," Working Paper Series 2006-42, Federal Reserve Bank of San Francisco. [Downloadable!]
    19. Rodolfo Apreda, 2001. "The Brokerage of Asymmetric Information," CEMA Working Papers: Serie Documentos de Trabajo. 190, Universidad del CEMA. [Downloadable!]
    20. Mark Carey & Greg Nini, 2004. "Is the corporate loan market globally integrated? a pricing puzzle," International Finance Discussion Papers 813, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    21. Rodolfo Apreda, 2002. "The Governance Slack Model. A Cash Flow Approach for the Budgeting and Accountability of some Corporate Governance Issues," CEMA Working Papers: Serie Documentos de Trabajo. 212, Universidad del CEMA. [Downloadable!]
    22. Stephen D. Prowse, 1996. "Corporate finance in international perspective: legal and regulatory influences on financial system development," Economic and Financial Policy Review, Federal Reserve Bank of Dallas, issue Q III, pages 2-15. [Downloadable!]
    23. Claudio E. V. Borio & Renato Filosa, 1994. "The changing borders of banking: trends and implications," BIS Working Papers 23, Bank for International Settlements. [Downloadable!]
    24. Marcel Kahan & Bruce Tuckman, 1993. "Private vs. Public Lending: Evidence from Covenants," University of California at Los Angeles, Anderson Graduate School of Management 1152, Anderson Graduate School of Management, UCLA. [Downloadable!]

  26. Allen N. Berger & Gregory F. Udell, 1993. "Lines of credit, collateral, and relationship lending in small firm finance," Finance and Economics Discussion Series 93-9, Board of Governors of the Federal Reserve System (U.S.).

    Cited by:

    1. Fernando Barran & Virginie Coudert & Benoit Mojon, 1994. "Transmission de la politique monetaire et credit bancaire, une application a 5 pays de l'OCDE," Working Papers 1994-03, CEPII research center. [Downloadable!]
    2. Lawrence Pulley & Allen Berger & David Humphrey, 1993. "Do Consumers Pay for One-Stop Banking?," Center for Financial Institutions Working Papers 94-01, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    3. Raghuram G. Rajan & Luigi Zingales, 1994. "What Do We Know About Capital Structure? Some Evidence from International Data," NBER Working Papers 4875, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:

  27. Allen N. Berger & Gregory F. Udell, 1991. "Securitization, risk, and the liquidity problem in banking," Finance and Economics Discussion Series 181, Board of Governors of the Federal Reserve System (U.S.).

    Cited by:

    1. Jonathan D. Jones & William W. Lang & Peter Nigro, 2001. "Recent trends in bank loan syndications: evidence for 1995-1999," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 328-352.
    2. E Philip Davis, 1996. "The Role of Institutional Investors in the Evolution of Financial Structure and Behaviour," RBA Annual Conference Volume, in: Malcom Edey (ed.), The Future of the Financial System Reserve Bank of Australia. [Downloadable!]
      Other versions:
    3. Steven Ongena, 1999. "Lending Relationships, Bank Default and Economic Activity," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 6(2), pages 257-280, July. [Downloadable!] (restricted)
    4. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    5. Anthony M. Santomero, 1997. "Commercial Bank Risk Management: An Analysis of the Process," Center for Financial Institutions Working Papers 95-11, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    6. Joseph G. Haubrich & James B. Thomson, 1994. "Loan sales: Pacific Rim trade in nontradable assets," Working Paper 9414, Federal Reserve Bank of Cleveland. [Downloadable!]
    7. Larry D. Wall & Milind M. Shrikhande, 2000. "Managing the risk of loans with basis risk: sell, hedge, or do nothing?," Working Paper 2000-25, Federal Reserve Bank of Atlanta. [Downloadable!]
      Other versions:
    8. Robert DeYoung & William C. Hunter & Gregory F. Udell, 2003. "The past, present, and probable future for community banks," Working Paper Series WP-03-14, Federal Reserve Bank of Chicago. [Downloadable!]
      Other versions:
    9. Anthony M. Santomero, 1996. "The Regulatory and Public Policy Agenda for Effective Intermediation in Post Socialist Economies," Center for Financial Institutions Working Papers 96-34, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    10. Larry D. Wall & Pamela P. Peterson, 1996. "Banks' responses to binding regulatory capital requirements," Economic Review, Federal Reserve Bank of Atlanta, issue Mar, pages 1-17. [Downloadable!]
    11. Lawrence J. White, 2000. "Bank Regulation in the United States: Understanding the Lessons of the 1980s and 1990s," Working Papers 00-02, New York University, Leonard N. Stern School of Business, Department of Economics. [Downloadable!]
    12. Gregory R. Duffee & Chunsheng Zhou, 1997. "Credit derivatives in banking: useful tools for managing risk?," Finance and Economics Discussion Series 1997-13, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    13. Joseph G. Haubrich & James B. Thomson, 1993. "Loan sales, implicit contracts, and bank structure," Working Paper 9307, Federal Reserve Bank of Cleveland. [Downloadable!]
      Other versions:
    14. A. Sinan Cebenoyan & Philip E. Strahan, 2001. "Risk Management, Capital Structure and Lending at Banks," Center for Financial Institutions Working Papers 02-09, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]

  28. Allen N. Berger & Gregory F. Udell, 1990. "Some evidence on the empirical significance of credit rationing," Finance and Economics Discussion Series 105, Board of Governors of the Federal Reserve System (U.S.).
    Published as:

    Cited by:

    1. Weth, Mark A., 2002. "The pass-through from market interest rates to bank lending rates in Germany," Discussion Paper Series 1: Economic Studies 2002,11, Deutsche Bundesbank, Research Centre. [Downloadable!]
    2. Michiel van Leuvensteijn & Christoffer Kok Sørensen & Jacob A. Bikker & Adrian van Rixtel, 2008. "Impact of bank competition on the interest rate pass-through in the euro area," Banco de España Working Papers 0828, Banco de España. [Downloadable!]
      Other versions:
    3. Song Han, 2002. "On the economics of discrimination in credit markets," Finance and Economics Discussion Series 2002-2, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    4. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and relationship lending," Working Papers 98-22, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    5. Clara Cardone & Maria-Jose Casasola & Margarita Samartin, 2005. "Do Banking Relationships Improve Credit Conditions For Spanish Smes?," Business Economics Working Papers wb052806, Universidad Carlos III, Departamento de Economía de la Empresa. [Downloadable!]
    6. Philip Strahan, 2008. "Liquidity Production in 21st Century Banking," NBER Working Papers 13798, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    7. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and Relationship Lending Review of Financial Studies," Center for Financial Institutions Working Papers 99-03, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    8. Sylvia Kaufmann & Johann Scharler, 2006. "Financial Systems and the Cost Channel Transmission of Monetary Policy Shocks," Working Papers 116, Oesterreichische Nationalbank (Austrian Central Bank). [Downloadable!]
      Other versions:
    9. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2006. "Small firm credit market discrimination, SBA-guaranteed lending, and local market economic performance," Working Paper 0613, Federal Reserve Bank of Cleveland. [Downloadable!]
    10. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2004. "On SBA-guaranteed lending and economic growth," Working Paper 0403, Federal Reserve Bank of Cleveland. [Downloadable!]
    11. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," Center for Financial Institutions Working Papers 03-01, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    12. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    13. S.L. Schreft & A.P. Villamil, 1990. "Liquidity constraints in commercial loan markets with imperfect information and imperfect competition," Working Paper 90-10, Federal Reserve Bank of Richmond. [Downloadable!]
    14. Ying Yan, 1996. "Credit Rationing, Bankruptcy Cost, and Optimal Debt Contract for Small Business," Finance 9612003, EconWPA. [Downloadable!]
    15. Barry Scholnick, 1999. "Interest Rate Asymmetries in Long-Term Loan and Deposit Markets," Journal of Financial Services Research, Springer, vol. 16(1), pages 5-26, September. [Downloadable!] (restricted)
    16. Franklin Allen & James McAndrews & Philip Strahan, 2001. "E-Finance: An Introduction," Center for Financial Institutions Working Papers 01-36, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
      Other versions:
    17. Michael Manove & A. Jorge Padilla & Marco Pagano, 1998. "Collateral vs. Project Screening: A Model of Lazy Banks," CSEF Working Papers 10, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy. [Downloadable!]
      Other versions:
    18. Leonardo Gambacorta, 2004. "How Do Banks Set Interest Rates?," NBER Working Papers 10295, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    19. Stanley D. Longhofer & João A.C. Santos, 1998. "The importance of bank seniority for relationship lending," Working Paper 9808, Federal Reserve Bank of Cleveland. [Downloadable!]
      Other versions:
    20. Lown, Cara & Morgan, Donald P., 2004. "The Credit Cycle and the Business Cycle: New Findings Using the Loan Officer Opinion Survey," SIFR Research Report Series 27, Institute for Financial Research. [Downloadable!]
      Other versions:
    21. Milton H. Marquis, 2003. "Bank lending to businesses in a jobless recovery," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue Jul 25. [Downloadable!]
    22. Brown, M. & Ongena, S. & Yesin, P., 2008. "Currency Denomination of Bank Loans: Evidence from Small Firms in Transition Countries," Discussion Paper 2008-16, Tilburg University, Center for Economic Research. [Downloadable!]
    23. Alexander S. Kritikos & Christoph Kneiding & Claas Christian Germelmann, 2008. "Demand Side Analysis of Microlending Markets in Industrialized Countries - Evidence from Germany -," Working Papers 014, Hanseatic University, Germany, Department of Economics. [Downloadable!]
    24. Anthony M. Santomero & David L. Eckles, 2000. "The determinants of success in the new financial services environment: now that firms can do everything, what should they do and why should regulators care?," Economic Policy Review, Federal Reserve Bank of New York, issue Oct, pages 11-23. [Downloadable!]
    25. Ralf Elsas & Jan Pieter Krahnen, 2003. "Universal Banks and Relationships with Firms," CFS Working Paper Series 2003/20, Center for Financial Studies. [Downloadable!]
    26. Jingping Gu & Paula Hernandez-Verme, . "A Semiparametric Time Trend Varying Coefficients Model: With An Application to Evaluate Credit Rationing in U.S. Credit Market," School of Economics Working Papers EM200902, Universidad de Guanajuato. [Downloadable!]
    27. Claudia Kwapil & Johann Scharler, 2006. "Interest Rate Pass-Through, Monetary Policy Rules and Macroeconomic Stability," Working Papers 118, Oesterreichische Nationalbank (Austrian Central Bank). [Downloadable!]
      Other versions:
    28. Xavier Freixas & José Jorge, 2007. "The Role of Interbank Markets in Monetary Policy: A Model with Rationing," Economics Working Papers 1027, Department of Economics and Business, Universitat Pompeu Fabra, revised Apr 2008. [Downloadable!]
    29. Ippei Fujiwara & Yuki Teranishi, 2009. "Financial Stability in Open Economies," IMES Discussion Paper Series 09-E-09, Institute for Monetary and Economic Studies, Bank of Japan. [Downloadable!]
    30. Philip Lowe & Thomas Rohling, 1992. "Loan Rate Stickiness: Theory and Evidence," RBA Research Discussion Papers rdp9206, Reserve Bank of Australia. [Downloadable!]
    31. Degryse, Hans & Laeven, Luc & Ongena, Steven, 2007. "The Impact of Organizational Structure and Lending Technology on Banking Competition," CEPR Discussion Papers 6412, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
      Other versions:
    32. Mitchell Berlin & Loretta J. Mester, 1997. "On the profitability and cost of relationship lending," Working Papers 97-3, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    33. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2006. "Small-firm credit markets, SBA-guaranteed lending, and economic performance in low-income areas," Working Paper 0601, Federal Reserve Bank of Cleveland. [Downloadable!]
    34. Enzo Dia, 2002. "A Reconciliation of the Evidence about Bank Lending with Portfolio Theory," Working Papers 56, University of Milano-Bicocca, Department of Economics, revised Sep 2002. [Downloadable!]
    35. P. Mueller, 2006. "Entrepreneurship in the Region: Breeding Ground for Nascent Entrepreneurs?," Small Business Economics, Springer, vol. 27(1), pages 41-58, August. [Downloadable!] (restricted)
    36. Johann Burgstaller & Johann Scharler, 2009. "How Do Bank Lending Rates and the Supply of Loans React to Shifts in Loan Demand in the U.K.?," Economics working papers 2009-02, Department of Economics, Johannes Kepler University Linz, Austria. [Downloadable!]
    37. Annick Bruggeman & Marie Donnay, 2003. "A monthly monetary model with banking intermediation for the euro area," Working Paper Series 264, European Central Bank. [Downloadable!]
    38. Block, Jörn & Brockmann, Heiner & Klandt, Heinz & Kohn, Karsten, 2008. "Gründungshemmnisse in Marktmechanismen und Marktumfeld: Facetten empirischer Evidenz
      [Start-up Barriers in Germany: A Review of the Empirical Literature]      ," MPRA Paper 9358, University Library of Munich, Germany. [Downloadable!]
    39. Enzo Dia, 2004. "Imperfect Information and Monopolistic Pricing in the Banking Industry," Working Papers 74, University of Milano-Bicocca, Department of Economics, revised May 2004. [Downloadable!]
    40. Raymond E. Owens & Stacey L. Schreft, 1993. "Identifying credit crunches," Working Paper 93-02, Federal Reserve Bank of Richmond. [Downloadable!]
      Other versions:
    41. Marta Coelho & David de Meza & Diane Reyniers, 2004. "Irrational Exuberance, Entrepreneurial Finance and Public Policy," Asia-Pacific Financial Markets, Springer, vol. 11(4), pages 391-417, August. [Downloadable!] (restricted)
      Other versions:
    42. Gary Gorton & Ping He, 2005. "Bank Credit Cycles," NBER Working Papers 11363, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    43. Alfredo Martín-Oliver & Vicente Salas-Fumás & Jesús Saurina, 2005. "A test of the law of one price in retail banking," Banco de España Working Papers 0530, Banco de España. [Downloadable!]
      Other versions:
    44. Massimiliano Affinito & Fabio Farabullini, 2006. "An empirical analysis of national differences in the retail bank interest rates of the euro area," Temi di discussione (Economic working papers) 589, Bank of Italy, Economic Research Department. [Downloadable!]
    45. Burkhard Raunig & Johann Scharler, 2007. "Money market uncertainty and retail interest rate fluctuations: A cross-country comparison," Economics working papers 2007-04, Department of Economics, Johannes Kepler University Linz, Austria. [Downloadable!]
      Other versions:
    46. Yuki Teranishi, 2008. "Optimal Monetary Policy under Staggered Loan Contracts," IMES Discussion Paper Series 08-E-08, Institute for Monetary and Economic Studies, Bank of Japan. [Downloadable!]
    47. Cowling, Marc, 2007. "The Role of Loan Guarantee Schemes in Alleviating Credit Rationing in the UK," MPRA Paper 1613, University Library of Munich, Germany. [Downloadable!]
    48. Johann Scharler, 2006. "Do Bank-Based Financial Systems Reduce Macroeconomic Volatility by Smoothing Interest Rates?," Working Papers 117, Oesterreichische Nationalbank (Austrian Central Bank). [Downloadable!]
      Other versions:
    49. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2005. "SBA-loan guarantees and local economic growth," Working Paper 0503, Federal Reserve Bank of Cleveland. [Downloadable!]
    50. Enzo Dia, 2004. "Monopolistic Pricing in the Banking Industry: a Dynamic Model," Working Papers 73, University of Milano-Bicocca, Department of Economics, revised May 2004. [Downloadable!]
    51. Patrick K. Asea & S. Brock Blomberg, 1997. "Lending Cycles," NBER Working Papers 5951, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    52. Lamont K. Black & Richard J. Rosen, 2007. "How the credit channel works: differentiating the bank lending channel and the balance sheet channel," Working Paper Series WP-07-13, Federal Reserve Bank of Chicago. [Downloadable!]
    53. Enzo Dia, 2004. "Monopolistic Pricing in the Banking Industry: a Dynamic Portfolio Model," Finance 0411025, EconWPA. [Downloadable!]
    54. Anthony M Santomero & David L. Eckles, 2000. "The Determinants Of Success In the New Financial Services Environment: Now That Firms Can Do Everything, What Should They Do And Why Should Regulators Care?," Center for Financial Institutions Working Papers 00-32, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    55. F. De Graeve & O. De Jonghe & R. Vander Vennet, 2004. "Competition, transmission and bank pricing policies: Evidence from Belgian loan and deposit markets," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 04/261, Ghent University, Faculty of Economics and Business Administration. [Downloadable!]
      Other versions:
    56. Joseph G. Haubrich & James B. Thomson, 1994. "A conference on federal credit allocation," Economic Review, Federal Reserve Bank of Cleveland, issue Q III, pages 2-13. [Downloadable!]
    57. Johann Scharler, 2007. "The Liquidity Effect in Bank-Based and Market-Based Financial Systems," Economics working papers 2007-18, Department of Economics, Johannes Kepler University Linz, Austria. [Downloadable!]
    58. Ying Yan, 1997. "Credit rationing, bankruptcy cost, and the optimal debt contract for small business," Working Paper 9702, Federal Reserve Bank of Cleveland. [Downloadable!]
    59. Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll, 2004. "Loan commitments and private firms," Finance and Economics Discussion Series 2004-27, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    60. Cara S. Lown & Donald P. Morgan, 2002. "Credit effects in the monetary mechanism," Economic Policy Review, Federal Reserve Bank of New York, issue May, pages 217-235. [Downloadable!]
    61. Allen Berger & Gregory Udell, 1994. "Lines of Credit and Relationship Lending in Small Firm Finance," Center for Financial Institutions Working Papers 94-11, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
      Other versions:
    62. Raquel Lago-González & Vicente Salas-Fumás, 2005. "Market power and bank interest rate adjustments," Banco de España Working Papers 0539, Banco de España. [Downloadable!]
    63. Allen N. Berger & Gregory F. Udell, 2003. "The institutional memory hypothesis and the procyclicality of bank lending behavior," Finance and Economics Discussion Series 2003-02, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    64. Alfredo Martín-Oliver & Vicente Salas-Fumás & Jesús Saurina, 2008. "Search cost and price dispersion in vertically related markets: the case of bank loans and deposits," Banco de España Working Papers 0825, Banco de España. [Downloadable!]
    65. Clara Cardone-Riportella & Leonardo Cazorla-Papis, 2001. "NEW APPROACHES TO THE ANALYSIS OF THE CAPITAL STRUCTURE OF SME´s: EMPIRICAL EVIDENCE FROM SPANISH FIRMS," Business Economics Working Papers wb011003, Universidad Carlos III, Departamento de Economía de la Empresa. [Downloadable!]
    66. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," NBER Working Papers 9956, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    67. Ippei Fujiwara & Yuki Teranishi, 2008. "Real Exchange Rate Dynamics under Staggered Loan Contracts," IMES Discussion Paper Series 08-E-11, Institute for Monetary and Economic Studies, Bank of Japan. [Downloadable!]
    68. Jianzhou Zhu & Manfen Chen & Wanli Li, 2009. "Recent changes in the prime rate behavior," Review of Quantitative Finance and Accounting, Springer, vol. 33(2), pages 177-192, August. [Downloadable!] (restricted)
    69. Nao Sudo & Yuki Teranishi, 2008. "Optimal Monetary Policy under Imperfect Financial Integration," IMES Discussion Paper Series 08-E-25, Institute for Monetary and Economic Studies, Bank of Japan. [Downloadable!]

  29. Allen N. Berger & Gregory F. Udell, 1988. "Collateral, loan quality, and bank risk," Finance and Economics Discussion Series 51, Board of Governors of the Federal Reserve System (U.S.).
    Published as:

    Cited by:

    1. André van Stel & Kashifa Suddle & Andrew Burke & Chantal Hartog, 2008. "How does Entrepreneurial Activity Affect the Supply of Business Angels?," Scales Research Reports H200813, EIM Business and Policy Research. [Downloadable!]
    2. Elijah Brewer, III & Hesna Genay & William E. Jackson, III & Paula R. Worthington, 1996. "How are small firms financed? Evidence from small business investment companies," Economic Perspectives, Federal Reserve Bank of Chicago, issue Nov, pages 2-18. [Downloadable!]
    3. Jonathan D. Jones & William W. Lang & Peter Nigro, 2001. "Recent trends in bank loan syndications: evidence for 1995-1999," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 328-352.
    4. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and relationship lending," Working Papers 98-22, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    5. Allen N. Berger & Marco A. Espinosa-Vega & W. Scott Frame & Nathan H. Miller, 2007. "Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information," Working Paper 2006-29, Federal Reserve Bank of Atlanta. [Downloadable!]
    6. Philip E. Strahan, 1999. "Borrower risk and the price and nonprice terms of bank loans," Staff Reports 90, Federal Reserve Bank of New York. [Downloadable!]
    7. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and Relationship Lending Review of Financial Studies," Center for Financial Institutions Working Papers 99-03, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    8. James R. Booth & Lena Chua, 1995. "Structure and pricing of large bank loans," Economic Review, Federal Reserve Bank of San Francisco, pages 52-62. [Downloadable!]
    9. William B. English & William R. Nelson, 1998. "Bank risk rating of business loans," Finance and Economics Discussion Series 1998-51, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    10. Gabriel Jiménez & Vicente Salas-Fumás & Jesús Saurina, 2008. "Organizational distance and use of collateral for business loans," Banco de España Working Papers 0816, Banco de España. [Downloadable!]
    11. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," Center for Financial Institutions Working Papers 03-01, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    12. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    13. Massimo Omiccioli, 2005. "Trade Credit as Collateral," Temi di discussione (Economic working papers) 553, Bank of Italy, Economic Research Department. [Downloadable!]
    14. Michael Manove & A. Jorge Padilla & Marco Pagano, 1998. "Collateral vs. Project Screening: A Model of Lazy Banks," CSEF Working Papers 10, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy. [Downloadable!]
      Other versions:
    15. Galina Hale & Joao A. C. Santos, 2008. "Do banks price their informational monopoly?," Working Paper Series 2008-14, Federal Reserve Bank of San Francisco. [Downloadable!]
      Other versions:
    16. Jesús Saurina-Salas, 1998. "Determinantes de la morosidad de las cajas de ahorro españolas," Investigaciones Economicas, Fundación SEPI, vol. 22(3), pages 393-426, September. [Downloadable!]
    17. Degryse, H. & Ongena, S., 2002. "Distance, lending relationships, and competition," Discussion Paper 16, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:
    18. David C. Smith, 2002. "Loans to Japanese borrowers," Pacific Basin Working Paper Series 02-11, Federal Reserve Bank of San Francisco. [Downloadable!]
    19. Paul Kofman & Ian Sharpe, 2000. "Imputation Methods for Incomplete Dependent Variables in Finance," Econometric Society World Congress 2000 Contributed Papers 0409, Econometric Society. [Downloadable!]
    20. Lawrence J. Christiano & Christopher Gust & Jorge Roldos, 2002. "Monetary policy in a financial crisis," Working Paper 0204, Federal Reserve Bank of Cleveland. [Downloadable!]
      Other versions:
    21. Efraim Benmelech & Nittai K. Bergman, 2008. "Collateral Pricing," NBER Working Papers 13874, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    22. Allen N. Berger, 2004. "Potential competitive effects of Basel II on banks in SME credit markets in the United States," Finance and Economics Discussion Series 2004-12, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    23. David de Meza, 2002. "Overlending?," Economic Journal, Royal Economic Society, vol. 112(477), pages F17-F31, February. [Downloadable!] (restricted)
    24. Robert E. Carpenter & Bruce C. Petersen, 2002. "Capital Market Imperfections, High-Tech Investment, and New Equity Financing," Economic Journal, Royal Economic Society, vol. 112(477), pages F54-F72, February. [Downloadable!] (restricted)
    25. Erel, Isil, 2007. "The Effect of Bank Mergers on Loan Prices: Evidence from the U.S," Working Paper Series 2006-19, Ohio State University, Charles A. Dice Center for Research in Financial Economics. [Downloadable!]
    26. Rafael Repullo & Jesús Saurina & Carlos Trucharte, 2009. "Mitigating The Procyclicality Of Basel Ii," Working Papers wp2009_0903, CEMFI. [Downloadable!]
      Other versions:
    27. Miguel A. Segoviano Basurto & Boris Hofmann & C. A. E. Goodhart, 2006. "Default, Credit Growth, and Asset Prices," IMF Working Papers 06/223, International Monetary Fund. [Downloadable!]
    28. R. Glenn Hubbard & Kenneth N. Kuttner & Darius N. Palia, 1999. "Are there "bank effects" in borrowers' costs of funds? Evidence from a matched sample of borrowers and banks," Staff Reports 78, Federal Reserve Bank of New York. [Downloadable!]
      Other versions:
    29. Howard Bodenhorn, 2001. "Short-Term Loans and Long-Term Relationships: Relationship Lending in Early America," NBER Historical Working Papers 0137, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    30. Isil Erel & Brandon Julio & Woojin Kim & Michael Weisbach, 2009. "Market Conditions and the Structure of Securities," NBER Working Papers 14952, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    31. John, Kose & Lynch, Anthony W. & Puri, Manju, 2002. "Credit Ratings, Collateral and Loan Characteristics: Implications for Yield," Research Papers 1748, Stanford University, Graduate School of Business. [Downloadable!]
    32. Nick Walraven & Peter Barry, 2003. "Bank risk ratings and the pricing of agricultural loans," Finance and Economics Discussion Series 2003-53, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    33. Darren Pain, . "The provisioning experience of the major UK banks: a small panel investigation," Bank of England working papers 177, Bank of England. [Downloadable!]
    34. HOSONO Kaoru & XU Peng, 2009. "Do Banks Have Private Information? Bank screening and ex-post small firm performance," Discussion papers 09016, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    35. Degryse, Hans & Laeven, Luc & Ongena, Steven, 2007. "The Impact of Organizational Structure and Lending Technology on Banking Competition," CEPR Discussion Papers 6412, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
      Other versions:
    36. Mitchell Berlin & Loretta J. Mester, 1997. "On the profitability and cost of relationship lending," Working Papers 97-3, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    37. Juan Carlos Hatchondo & Leonardo Martinez & Horacio Sapriza, 2007. "The economics of sovereign defaults," Economic Quarterly, Federal Reserve Bank of Richmond, issue Spr, pages 163-187. [Downloadable!]
    38. Laurent Weill & Christophe J. Godlewski, 2008. "Collateral and Adverse Selection in Transition Countries," Working Papers of LaRGE (Laboratoire de Recherche en Gestion et Economie) 2008-10, Laboratoire de Recherche en Gestion et Economie, Université de Strasbourg (France). [Downloadable!]
      Other versions:
    39. Mark Carey & Mitch Post & Steven A. Sharpe, 1996. "Does corporate lending by banks and finance companies differ? Evidence on specialization in private debt contracting," Finance and Economics Discussion Series 96-25, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    40. ONO Arito & SAKAI Koji & UESUGI Iichiro, 2008. "The Effects of Collateral on SME Performance in Japan," Discussion papers 08037, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    41. E Philip Davis & Haibin Zhu, 2004. "Commercial property prices and bank performance," Economics and Finance Discussion Papers 04-19, Economics and Finance Section, School of Social Sciences, Brunel University. [Downloadable!]
      Other versions:
    42. Miguel A. Segoviano Basurto, 2007. "Portfolio Credit Risk and Macroeconomic Shocks: Applications to Stress Testing Under Data-Restricted Environments," IMF Working Papers 06/283, International Monetary Fund. [Downloadable!]
    43. Leonardo Becchetti & Melody Garcia, 2008. "Do collateral theories work in social banking ?," CEIS Research Paper 131, Tor Vergata University, CEIS, revised 07 Nov 2008. [Downloadable!]
    44. Martinsson, Gustav, 2009. "Finance and R&D Investments - is there a debt overhang effect on R&D investments?," Working Paper Series in Economics and Institutions of Innovation 174, Royal Institute of Technology, CESIS - Centre of Excellence for Science and Innovation Studies. [Downloadable!]
    45. Joseph Atta-Mensah, 2003. "Collateral and Credit Supply," Working Papers 03-11, Bank of Canada. [Downloadable!]
    46. Régis Blazy & Laurent Weill, 2006. "Why Do Banks Ask for Collateral and Which Ones?," Working Papers of CREFI-LSF (Centre of Research in Finance - Luxembourg School of Finance) 06-07, CREFI-LSF, University of Luxembourg. [Downloadable!]
      Other versions:
    47. Javier Delgado & Vicente Salas-Fumás & Jesús Saurina, 2006. "The joint size and ownership specialization in banks' lending," Banco de España Working Papers 0606, Banco de España. [Downloadable!]
    48. Christophe J. Godlewski, 2008. "Banking Environment, Agency Costs, and Loan Syndication : A Cross-Country Analysis," Working Papers of LaRGE (Laboratoire de Recherche en Gestion et Economie) 2008-08, Laboratoire de Recherche en Gestion et Economie, Université de Strasbourg (France). [Downloadable!]
    49. Klapper, Leora, 2001. "The uniqueness of short-term collateralization," Policy Research Working Paper Series 2544, The World Bank. [Downloadable!]
    50. David C. Smith, 2003. "Loans to Japanese borrowers," International Finance Discussion Papers 769, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    51. John Armour, 2006. "Should we redistribute in insolvency," ESRC Centre for Business Research - Working Papers wp319, ESRC Centre for Business Research. [Downloadable!]
    52. Alberto Franco Pozzolo, 2004. "The role of guarantees in bank lending," Temi di discussione (Economic working papers) 528, Bank of Italy, Economic Research Department. [Downloadable!]
      Other versions:
    53. Giorgio Calcagnini & Fabio Farabullini & Germana Giombini, 2009. "Loans, Interest Rates and Guarantees: Is There a Link?," Working Papers 0904, University of Urbino Carlo Bo, Department of Economics, revised 2009. [Downloadable!]
    54. Tra, Pham Thi Thu & Lensink, Robert, 2006. "The Determinants of Loan Contracts to Business Firms: Empirical Evidence from a Private Bank in Vietnam," Working Papers RP2006/86, World Institute for Development Economic Research (UNU-WIDER). [Downloadable!]
    55. Adam Ashcraft & Joao Santos, 2006. "Has the development of the structured credit market affected the cost of corporate debt?," Proceedings, Federal Reserve Bank of San Francisco, issue Nov. [Downloadable!]
    56. Allen Berger & Gregory Udell, 1994. "Lines of Credit and Relationship Lending in Small Firm Finance," Center for Financial Institutions Working Papers 94-11, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
      Other versions:
    57. Naoki KOJIMA, 2004. "Financial Contracts and Strategic customer Exclusion," Economics and Finance Discussion Papers 04-07, Economics and Finance Section, School of Social Sciences, Brunel University. [Downloadable!]
    58. Mark Carey S. & Stephen Prowse & John Rea & Gregory Udell, 1993. "The economics of the private placement market," Staff Studies 166, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    59. Galina Hale & João A. C. Santos, 2006. "Evidence on the costs and benefits of bond IPOs," Working Paper Series 2006-42, Federal Reserve Bank of San Francisco. [Downloadable!]
    60. Mark Carey & Greg Nini, 2004. "Is the corporate loan market globally integrated? a pricing puzzle," International Finance Discussion Papers 813, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    61. Gary Gorton & James A. Kahn, 1993. "The Design of Bank Loan Contracts, Collateral, and Renegotiation," NBER Working Papers 4273, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    62. Evan Gatev & Philip E. Strahan, 2003. "Banks' Advantage in Hedging Liquidity Risk: Theory and Evidence from the Commercial Paper Market," NBER Working Papers 9956, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
    63. Naoki KOJIMA, 2004. "Financial Contracts and Strategic customer Exclusion," Public Policy Discussion Papers 04-07, Economics and Finance Section, School of Social Sciences, Brunel University. [Downloadable!]
    64. Weill, Laurent & Godlewski, Christophe, 2006. "Does Collateral Help Mitigate Adverse Selection ? A Cross-Country Analysis," MPRA Paper 2508, University Library of Munich, Germany. [Downloadable!]
      Other versions:
    65. Jiawei Chen, 2006. "Two-Sided Matching and Spread Determinants in the Loan Market," Working Papers 060702, University of California-Irvine, Department of Economics. [Downloadable!]
    66. Miguel A. Segoviano Basurto & C. A. E. Goodhart, 2009. "Banking Stability Measures," IMF Working Papers 09/4, International Monetary Fund. [Downloadable!]
    67. Amedeo Argentiero, 2009. "Some New Evidence on the Role of Collateral: Lazy Banks or Diligent Banks?," ISAE Working Papers 113, ISAE - Institute for Studies and Economic Analyses - (Rome, ITALY). [Downloadable!]
    68. Adam B. Ashcraft & João A. C. Santos, 2007. "Has the credit derivatives swap market lowered the cost of corporate debt?," Staff Reports 290, Federal Reserve Bank of New York. [Downloadable!]
    69. Lucia Dunn & Shubhasis Dey, 2004. "An Empirical Investigation of Collateral and Sorting in the HELOC Market," Working Papers 04-07, Ohio State University, Department of Economics. [Downloadable!]

Articles

  1. Uchida, Hirofumi & Udell, Gregory F. & Watanabe, Wako, 2008. "Bank size and lending relationships in Japan," Journal of the Japanese and International Economies, Elsevier, vol. 22(2), pages 242-267, June. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  2. Berger, Allen N. & Rosen, Richard J. & Udell, Gregory F., 2007. "Does market size structure affect competition? The case of small business lending," Journal of Banking & Finance, Elsevier, vol. 31(1), pages 11-33, January. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  3. Santiago Carbó-Valverde & Francisco Rodriguez-Fernandez & Gregory F. Udell, 2006. "Bank market power and SME financing constraints," Proceedings, Federal Reserve Bank of Chicago, pages 143-163. [Downloadable!]
    Published as:

    Cited by:

    1. Fernandez de Guevara, Juan & Maudos, Joaquin, 2007. "Regional financial development and bank competition: effects on economic growth," MPRA Paper 15255, University Library of Munich, Germany. [Downloadable!]
    2. Judit Montoriol, 2006. "The Efect of Relationship Lending on Firm Performance," Working Papers 200605, Department of Business Economics, Universitat Autonoma de Barcelona. [Downloadable!]
    3. Santiago Carbó Valverde & Francisco Rodríguez-Fernández & Gregory F. Udell, 2008. "Bank lending, financing constraints and SME investment," Working Paper Series WP-08-04, Federal Reserve Bank of Chicago. [Downloadable!]
    4. Maudos, Joaquin & Fernandez de Guevara, Juan, 2006. "Banking competition, financial dependence and economic growth," MPRA Paper 15254, University Library of Munich, Germany, revised 2006. [Downloadable!]
    5. Fernandez de Guevara, Juan & Maudos, Joaquin, 2009. "Regional Financial Development and Bank Competition: Effects on Firms' Growth," MPRA Paper 15256, University Library of Munich, Germany. [Downloadable!]

  4. Berger, Allen N. & Udell, Gregory F., 2006. "A more complete conceptual framework for SME finance," Journal of Banking & Finance, Elsevier, vol. 30(11), pages 2945-2966, November. [Downloadable!] (restricted)

    Cited by:

    1. Cerqueiro, G.M. & Degryse, H.A. & Ongena, S., 2007. "Rules versus Discretion in Loan Rate Setting," Discussion Paper 2007-59, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:
    2. Alexander Conrad & Doris Neuberger & Maria Schneider-Reißig, 2008. "Geographic and Demographic Bank Outreach: Evidence from Germany’s Three-Pillar Banking System," Thuenen-Series of Applied Economic Theory 98, University of Rostock, Institute of Economics, Germany. [Downloadable!]
    3. Allen N. Berger & Marco A. Espinosa-Vega & W. Scott Frame & Nathan H. Miller, 2007. "Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information," Working Paper 2006-29, Federal Reserve Bank of Atlanta. [Downloadable!]
    4. Beck, Thorsten & Demirguc-Kunt, Asli & Martinez Peria, Maria Soledad, 2006. "Banking services for everyone ? Barriers to bank access and use around the world," Policy Research Working Paper Series 4079, The World Bank. [Downloadable!]
      Other versions:
    5. Columba, Francesco & Gambacorta, Leonardo & Mistrulli, Paolo Emilio, 2009. "The effects of mutual guarantee consortia on the quality of bank lending," MPRA Paper 17052, University Library of Munich, Germany, revised Mar 2009. [Downloadable!]
    6. Allen N. Berger & Adrian M. Cowan & W. Scott Frame, 2009. "The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk," Working Paper 2009-09, Federal Reserve Bank of Atlanta. [Downloadable!]
    7. Hirofumi Uchida & Gregory F.Udell & Wako Watanabe, 2007. "Bank Size and Lending Relationships in Japan," NBER Working Papers 13005, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    8. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Are Trade Creditors Relationship Lenders?," Discussion papers 06026, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    9. Beck, Thorsten & Soledad Martinez Peria, Maria, 2008. "Foreign bank acquisitions and outreach : evidence from Mexico," Policy Research Working Paper Series 4467, The World Bank. [Downloadable!]
    10. George von Furstenberg & Ulf von Kalckreuth, 2007. "Dependence on External Finance by Manufacturing Sector: Examining the Measure and its Properties," Caepr Working Papers 2007-001, Center for Applied Economics and Policy Research, Economics Department, Indiana University Bloomington. [Downloadable!]
      Other versions:
    11. Giannetti, C., 2008. "Intensity of Competition and Market Structure in the Italian Banking Industry," Discussion Paper 2008-43, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:
    12. W. Scott Frame & Lawrence J. White, 2009. "Technological change, financial innovation, and diffusion in banking," Working Paper 2009-10, Federal Reserve Bank of Atlanta. [Downloadable!]
    13. von Kalckreuth, Ulf & von Furstenberg, George M., 2006. "Dependence on external finance: an inherent industry characteristic?," Discussion Paper Series 1: Economic Studies 2006,30, Deutsche Bundesbank, Research Centre. [Downloadable!]
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    14. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2008. "Loan officers and relationship lending to SMEs," Working Paper Series 2008-17, Federal Reserve Bank of San Francisco. [Downloadable!]
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    15. Chiara Coluzzi & Annalisa Ferrando & Carmen Martínez-Carrascal, 2009. "Financing obstacles and growth: An analysis for euro area non-financial corporations," Banco de España Working Papers 0836, Banco de España. [Downloadable!]
    16. WATANABE Wako, 2007. "How Do Relationship Lenders Price Loans to Small Firms?: "Hold-Up" Costs, Transparency, and Private and Public Security," Discussion papers 07058, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    17. Chiara Coluzzi & Annalisa Ferrando & Carmen Martinez-Carrascal, 2009. "Financing obstacles and growth - an analysis for euro area non-financial corporations," Working Paper Series 997, European Central Bank. [Downloadable!]
    18. Elizabeth S. Laderman, 2008. "The quantity and character of out-of-market small business lending," Economic Review, Federal Reserve Bank of San Francisco, pages 31-39. [Downloadable!]
    19. Irene Daskalopoulou & Anastasia Petrou, 2006. "Small Business Performance in Urban Tourism," ERSA conference papers ersa06p399, European Regional Science Association. [Downloadable!]
    20. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "Loan Officers and Relationship Lending," Discussion papers 06031, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    21. Eric Van Tassel, 2009. "Moral Hazard and Capital Requirements in a Lending Model of Credit Denial," Working Papers 09003, Department of Economics, College of Business, Florida Atlantic University. [Downloadable!]
    22. Lili Xie, 2007. "Bank Consolidation and Loan Pricing," Working Papers 200706, Ball State University, Department of Economics, revised Nov 2007. [Downloadable!]
    23. Lamont K. Black & Richard J. Rosen, 2007. "How the credit channel works: differentiating the bank lending channel and the balance sheet channel," Working Paper Series WP-07-13, Federal Reserve Bank of Chicago. [Downloadable!]
    24. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    25. Liz Laderman, 2009. "Out-of-market small business loans," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue Feb 13. [Downloadable!]
    26. Berger , Allen N & Hasan , Iftekhar & Zhou, Mingming, 2007. "Bank ownership and efficiency in China: what lies ahead in the world’s largest nation?," Research Discussion Papers 16/2007, Bank of Finland. [Downloadable!]
    27. Hasan, Iftekhar & Wang, Haizhi & Zhou, Mingming, 2009. "Do better institutions improve bank efficiency? Evidence from a transitional economy," BOFIT Discussion Papers 28/2008, Bank of Finland, Institute for Economies in Transition. [Downloadable!]
    28. De Haas, Ralph & Ferreira, Daniel & Taci, Anita, 2007. "What determines banks’ customer choice? Evidence from transition countries," MPRA Paper 6319, University Library of Munich, Germany. [Downloadable!]
    29. Fernandez de Guevara, Juan & Maudos, Joaquin, 2009. "Regional Financial Development and Bank Competition: Effects on Firms' Growth," MPRA Paper 15256, University Library of Munich, Germany. [Downloadable!]
    30. 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)
    31. Aoife Hanley & Sheila O’Donohoe, 2009. "Relationship Banking within the Irish SME sector and its Implication," Kiel Working Papers 1553, Kiel Institute for the World Economy. [Downloadable!]

  5. Berger, Allen N. & Clarke, George R.G. & Cull, Robert & Klapper, Leora & Udell, Gregory F., 2005. "Corporate governance and bank performance: A joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership," Journal of Banking & Finance, Elsevier, vol. 29(8-9), pages 2179-2221, August. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  6. Robert DeYoung & William Hunter & Gregory Udell, 2004. "The Past, Present, and Probable Future for Community Banks," Journal of Financial Services Research, Springer, vol. 25(2), pages 85-133, April. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  7. Berger, Allen N. & Udell, Gregory F., 2004. "The institutional memory hypothesis and the procyclicality of bank lending behavior," Journal of Financial Intermediation, Elsevier, vol. 13(4), pages 458-495, October. [Downloadable!] (restricted)
    Other versions:
    Published as:

    See citations under working paper version above.

  8. Robert DeYoung & William Hunter & Gregory Udell, 2004. "Whither the Community Bank?," Journal of Financial Services Research, Springer, vol. 25(2), pages 81-84, April. [Downloadable!] (restricted)

    Cited by:

    1. Thomas Klier & William Testa, 2002. "Location trends of large company headquarters during the 1990s," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q II, pages 12-26. [Downloadable!]

  9. Kallberg, Jarl G. & Udell, Gregory F., 2003. "The value of private sector business credit information sharing: The US case," Journal of Banking & Finance, Elsevier, vol. 27(3), pages 449-469, March. [Downloadable!] (restricted)

    Cited by:

    1. Cerqueiro, G.M. & Degryse, H.A. & Ongena, S., 2007. "Rules versus Discretion in Loan Rate Setting," Discussion Paper 2007-59, Tilburg University, Center for Economic Research. [Downloadable!]
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    2. Hainz, Christa, 2007. "Creditor Passivity: The Effects of Bank Competition and Institutions on the Strategic Use of Bankruptcy Filings," CESifo Working Paper Series CESifo Working Paper No. , CESifo Group Munich. [Downloadable!]
      Other versions:
    3. Bouckaert, J. & Degryse, H., 2002. "Softening competition by enhancing entry: : an example from the banking industry," Discussion Paper 86, Tilburg University, Center for Economic Research. [Downloadable!]
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    4. José L. Negrin, 2004. "The Importance of Borrowers’ History on Credit Behavior: The Mexican Experience," Econometric Society 2004 Latin American Meetings 226, Econometric Society. [Downloadable!]
    5. Kenneth P. Brevoort & John D. Wolken, 2008. "Does distance matter in banking?," Finance and Economics Discussion Series 2008-34, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    6. Federico Ferretti, 2007. "Consumer credit information systems: a critical review of the literature. Too little attention paid by Lawyers?," European Journal of Law and Economics, Springer, vol. 23(1), pages 71-88, February. [Downloadable!] (restricted)
    7. de la Torre, Augusto & Soledad Martinez Peria, Maria & Schmukler , Sergio L., 2008. "Bank involvement with SMEs : beyond relationship lending," Policy Research Working Paper Series 4649, The World Bank. [Downloadable!]
    8. Bennardo, Alberto & Pagano, Marco & Piccolo, Salvatore, 2009. "Multiple-Bank Lending, Creditor Rights and Information Sharing," CEPR Discussion Papers 7186, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
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    9. Ari Hyytinen & Mika Pajarinen, 2004. "Opacity of Young Firms: Faith or Fact?," Discussion Papers 923, The Research Institute of the Finnish Economy. [Downloadable!]

  10. Allen N. Berger & Gregory F. Udell, 2002. "Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure," Economic Journal, Royal Economic Society, vol. 112(477), pages F32-F53, February. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  11. Allen N. Berger & Richard Rosen & Gregory F. Udell, 2001. "The effects of banking market size structure on bank competition: the case of small business lending," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 277-293.

    Cited by:

    1. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:

  12. Berger, Allen N. & Klapper, Leora F. & Udell, Gregory F., 2001. "The ability of banks to lend to informationally opaque small businesses," Journal of Banking & Finance, Elsevier, vol. 25(12), pages 2127-2167, December. [Downloadable!] (restricted)
    Other versions:
    Published as:

    See citations under working paper version above.

  13. Allen N. Berger & Robert De Young & Gregory F. Udell, 2001. "Efficiency Barriers to the Consolidation of the European Financial Services Industry," European Financial Management, Blackwell Publishing Ltd, vol. 7(1), pages 117-130. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  14. Berger, Allen N. & Saunders, Anthony & Scalise, Joseph M. & Udell, Gregory F., 1998. "The effects of bank mergers and acquisitions on small business lending1," Journal of Financial Economics, Elsevier, vol. 50(2), pages 187-229, November. [Downloadable!] (restricted)
    Other versions:
    Published as:

    See citations under working paper version above.

  15. N. Berger, Allen & F. Udell, Gregory, 1998. "The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 613-673, August. [Downloadable!] (restricted)
    Other versions:

    See citations under working paper version above.

  16. Berger, Allen N & Udell, Gregory F, 1995. "Relationship Lending and Lines of Credit in Small Firm Finance," Journal of Business, University of Chicago Press, vol. 68(3), pages 351-81, July. [Downloadable!] (restricted)

    Cited by:

    1. Wouter J. den Haan & Garey Ramey & Joel Watson, 1999. "Liquidity Flows and Fragility of Business Enterprises," Cowles Foundation Discussion Papers 1215, Cowles Foundation, Yale University. [Downloadable!]
      Other versions:
    2. Cerqueiro, G.M. & Degryse, H.A. & Ongena, S., 2007. "Rules versus Discretion in Loan Rate Setting," Discussion Paper 2007-59, Tilburg University, Center for Economic Research. [Downloadable!]
      Other versions:
    3. Jonathan D. Jones & William W. Lang & Peter Nigro, 2001. "Recent trends in bank loan syndications: evidence for 1995-1999," Proceedings, Federal Reserve Bank of Chicago, issue May, pages 328-352.
    4. Robert M. Adams & Lars-Hendrik Röller & Robin C. Sickles, 2002. "Market Power in Outputs and Inputs: An Empirical Application to Banking," CIG Working Papers FS IV 02-33, Wissenschaftszentrum Berlin (WZB), Research Unit: Competition and Innovation (CIG). [Downloadable!]
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    5. Lionel Artige & Rosella Nicolini, 2008. "Memory in Contracts: The Experience of the EBRD (1991-2003)," UFAE and IAE Working Papers 724.08, Unitat de Fonaments de l'Anàlisi Econòmica (UAB) and Institut d'Anàlisi Econòmica (CSIC). [Downloadable!]
    6. Loretta J. Mester & Leonard I. Nakamura & Micheline Renault, 1998. "Checking accounts and bank monitoring," Working Papers 98-25, Federal Reserve Bank of Philadelphia. [Downloadable!]
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    7. Valentina Hartarska & Steven B. Caudill & Daniel M. Gropper, 2006. "The Cost Structure Of Microfinance Institutions In Eastern Europe And Central Asia," William Davidson Institute Working Papers Series wp809, William Davidson Institute at the University of Michigan Stephen M. Ross Business School. [Downloadable!]
    8. Daniel Aaronson & Paul Huck & Robert Townsend, 2000. "Small-business access to trade credit: some evidence of ethnic differences," Consumer and Community Affairs Policy Studies 2000-2, Federal Reserve Bank of Chicago. [Downloadable!]
      Other versions:
    9. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and relationship lending," Working Papers 98-22, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    10. Jacky Yuk-Chow So, 2005. "Agency* Costs And Ownership Structure: Evidence From The Small Business Finance Survey Data Base," The Office of Advocacy Small Business Working Papers 05jys, U.S. Small Business Administration, Office of Advocacy. [Downloadable!]
    11. Clara Cardone & Maria-Jose Casasola & Margarita Samartin, 2005. "Do Banking Relationships Improve Credit Conditions For Spanish Smes?," Business Economics Working Papers wb052806, Universidad Carlos III, Departamento de Economía de la Empresa. [Downloadable!]
    12. Allen N. Berger & Marco A. Espinosa-Vega & W. Scott Frame & Nathan H. Miller, 2007. "Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information," Working Paper 2006-29, Federal Reserve Bank of Atlanta. [Downloadable!]
    13. Saibal Ghosh, 2007. "Bank Debt Use and Firm Size: Indian Evidence," Small Business Economics, Springer, vol. 29(1), pages 15-23, June. [Downloadable!] (restricted)
    14. Philip E. Strahan, 1999. "Borrower risk and the price and nonprice terms of bank loans," Staff Reports 90, Federal Reserve Bank of New York. [Downloadable!]
    15. Carole Howorth & Beat Reber, 2003. "Habitual late payment of trade credit: an empirical examination of UK small firms," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 24(6-7), pages 471-482. [Downloadable!]
    16. Mitchell Berlin & Loretta J. Mester, 1998. "Deposits and Relationship Lending Review of Financial Studies," Center for Financial Institutions Working Papers 99-03, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    17. Clara Cardone & María J. Casasola, 2003. "What Do We Know About The Financial Behaviour Of The Spanish Sme?: An Empirical Analysis," Business Economics Working Papers wb033708, Universidad Carlos III, Departamento de Economía de la Empresa. [Downloadable!]
    18. Steven Ongena, 1999. "Lending Relationships, Bank Default and Economic Activity," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 6(2), pages 257-280, July. [Downloadable!] (restricted)
    19. Sougata Kerr & Lucia Dunn & Stephen Cosslett, 2004. "Do Banks Use Private Information from Consumer Accounts? Evidence of Relationship Lending in Credit Card Interest Rate Heterogeneity," Working Papers 04-08, Ohio State University, Department of Economics. [Downloadable!]
    20. 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)
    21. Loretta J. Mester & Leonard I. Nakamura & Micheline Renault, 2004. "Transactions accounts and loan monitoring," Working Papers 04-20, Federal Reserve Bank of Philadelphia. [Downloadable!]
      Other versions:
    22. Gabriel Jiménez & Vicente Salas-Fumás & Jesús Saurina, 2008. "Organizational distance and use of collateral for business loans," Banco de España Working Papers 0816, Banco de España. [Downloadable!]
    23. Kenneth P. Brevoort & Timothy H. Hannan, 2004. "Commercial lending and distance: evidence from Community Reinvestment Act data," Finance and Economics Discussion Series 2004-24, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
    24. Marcelo de Paiva Abreu & João Manoel Pinho de Mello & Anônio de A. Sodré, 2007. "Informational spillovers in the pre-1914 London Sovereign Debt Market," Textos para discussão 552, Department of Economics PUC-Rio (Brazil). [Downloadable!]
    25. Andrea Repetto & Sergio Rodríguez & Rodrigo O. Valdés, 2002. "Bank Lending and Relationship Banking: Evidence from Chilean Firms," Documentos de Trabajo 146, Centro de Economía Aplicada, Universidad de Chile. [Downloadable!]
    26. Allen N. Berger & Nathan H. Miller & Mitchell A. Petersen & Raghuram G. Rajan & Jeremy C. Stein, 2002. "Does Function Follow Organizational Form? Evidence From the Lending Practices of Large and Small Banks," NBER Working Papers 8752, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
      Other versions:
    27. Ferri, Giovanni & Tae Soo Kang & In-June Kim, 2001. "The value of relationship banking during financial crises : evidence from the Republic of Korea," Policy Research Working Paper Series 2553, The World Bank. [Downloadable!]
    28. Santiago Carbó Valverde & Francisco Rodríguez Fernández, 2004. "Scope Economies and Competition Beyond the Balance Sheet: a ‘broad banking’ Experience," Economic Working Papers at Centro de Estudios Andaluces E2004/13, Centro de Estudios Andaluces. [Downloadable!]
    29. Allen Berger & Sally Davies, 1998. "The Information Content of Bank Examinations," Journal of Financial Services Research, Springer, vol. 14(2), pages 117-144, October. [Downloadable!] (restricted)
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    30. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2006. "Small firm credit market discrimination, SBA-guaranteed lending, and local market economic performance," Working Paper 0613, Federal Reserve Bank of Cleveland. [Downloadable!]
    31. Dirk Engel & Torge Middendorf, 2007. "Investment, Internal Funds and Public Banking in Germany," Ruhr Economic Papers 0007, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen. [Downloadable!]
    32. Ben R. Craig & William E. Jackson, III & James B. Thomson, 2004. "On SBA-guaranteed lending and economic growth," Working Paper 0403, Federal Reserve Bank of Cleveland. [Downloadable!]
    33. Mitchell A. Petersen, 1999. "The small business lending relationship: session A," Proceedings, Federal Reserve Bank of Chicago, issue Mar, pages 401-410. [Downloadable!]
    34. Naoki Kojima, 2009. "Imperfect competition in differentiated credit contract markets," Annals of Finance, Springer, vol. 5(2), pages 175-187, March. [Downloadable!] (restricted)
    35. Sumit Agarwal & Robert Hauswald, 2008. "The choice between arm's-length and relationship debt: evidence from e-loans," Working Paper Series WP-08-10, Federal Reserve Bank of Chicago. [Downloadable!]
    36. François-Serge Lhabitant & Olivier Tinguely, 2002. "Financial Constraints and Investment: the Swiss Case," Swiss Journal of Economics and Statistics (SJES), Swiss Society of Economics and Statistics (SSES), vol. 138(II), pages 137-163, June. [Downloadable!]
    37. Allen N. Berger & Gregory F. Udell, 2001. "Small business credit availability and relationship lending: the importance of bank organizational structure," Finance and Economics Discussion Series 2001-36, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
      Other versions:
    38. Sudheer Chava & Amiyatosh Purnanandam, 2006. "The effect of a banking crisis on bank-dependent borrowers," Proceedings, Federal Reserve Bank of Chicago, pages 367-385. [Downloadable!]
    39. Hirofumi Uchida & Gregory F.Udell & Wako Watanabe, 2007. "Bank Size and Lending Relationships in Japan," NBER Working Papers 13005, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    40. Donald P. Morgan, 2000. "Bank commitment relationships, cash flow constraints, and liquidity management," Staff Reports 108, Federal Reserve Bank of New York. [Downloadable!]
    41. Clarke, George R. G. & Cull, Robert & Martinez Peria, Maria Soledad & Sanchez, Susana M., 2002. "Bank lending to small businesses in Latin America : does Bank origin matter?," Policy Research Working Paper Series 2760, The World Bank. [Downloadable!]
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    42. Carbo, Santiago, 2003. "Financial Sector, Regulation and Corporate Performance: The Case of Spain," EIFC - Technology and Finance Working Papers 17, United Nations University, Institute for New Technologies. [Downloadable!]
    43. Masami Imai, 2008. "Crowding-Out Effects of a Government-Owned Depository Institution: Evidence from a Natural Experiment in Japan," Wesleyan Economics Working Papers 2008-003, Wesleyan University, Department of Economics. [Downloadable!]
    44. Kenji Ketsuna & Janet Kiholm Smith & Richard L. Smith, 2003. "Banking Relationships and Access to Equity Capital Markets: Evidence from Japan’s Main Bank System," Claremont Colleges Working Papers 2003-09, Claremont Colleges. [Downloadable!]
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    45. Edward Altman & Gabriele Sabato, 2005. "Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs," Journal of Financial Services Research, Springer, vol. 28(1), pages 15-42, October. [Downloadable!] (restricted)
    46. Hirofumi Uchida & Gregory F. Udell & Wako Watanabe, 2006. "Are Trade Creditors Relationship Lenders?," Discussion papers 06026, Research Institute of Economy, Trade and Industry (RIETI). [Downloadable!]
    47. Massimo Omiccioli, 2005. "Trade Credit as Collateral," Temi di discussione (Economic working papers) 553, Bank of Italy, Economic Research Department. [Downloadable!]
    48. Thomas Hellman & Laura Lindsey & Manju Puri, 2004. "Building Relationships Early: Banks in Venture Capital," NBER Working Papers 10535, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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    49. Franklin Allen & James McAndrews & Philip Strahan, 2001. "E-Finance: An Introduction," Center for Financial Institutions Working Papers 01-36, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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      • Franklin Allen & James McAndrews & Philip Strahan, 2002. "