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Distances and Small Business Credit Constraints: the French case

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  • Djedidi-Kooli, Salima
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    Abstract

    Deregulation and progress in information and communication technologies have increased the geographical expansion of banking structures and instruments. This makes banks operationally close to the borrowers. At the same time, banking industry consolidation have induced a geographical concentration of banking decision centers and strategic functions, leading to an increase of the functional distance that separates the decision center of a bank from its operational branches. The aim of this paper is to evaluate the impact of these two trends on SME lending. Our findings on French data show that increased functional distance and operational proximity are positively associated with the investment-cash flow sensitivity, considered as a measure of financing constraints. These adverse effects are particularly acute for small firms.

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    File URL: http://basepub.dauphine.fr/xmlui/bitstream/123456789/5923/1/Djedidi_2010_1115.pdf
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    Bibliographic Info

    Paper provided by Paris Dauphine University in its series Economics Papers from University Paris Dauphine with number 123456789/5923.

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    Date of creation: Dec 2010
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    Handle: RePEc:dau:papers:123456789/5923

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    Related research

    Keywords: Operational proximity; Investment-cash flow sensitivity; Financing constraints; SME lending; Functional distance;

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    Cited by:
    1. Andrea F. Presbitero & Gregory F. Udell & Alberto Zazzaro, 2014. "The Home Bias and the Credit Crunch: A Regional Perspective," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 46(s1), pages 53-85, 02.

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