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Information Asymmetries, Credit Rationing And Banking Concentration: The Argentinean Case

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  • Arroyo, Martín R.

Abstract

This paper highlights the importance of the information efficiency in the banking sector as a way to ensure his correct operation as financial intermediary and the correct functioning of the economy in general. The problems of information in the banks distort their relation with the financing demand and especially with the sector of the SMEs, what really means an important obstacle for the smooth operation of any market system. The analysis is centred in the relative size of the financial institutions, the generation of different types of information and the way how it affects the sector of the SMEs. By means of empirical evidence we will show how the greater size of the banks has influence on the creation of information systems that are not well adapted for some segments of the demand or even they do not generate information at all.

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Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 10208.

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Date of creation: Sep 2007
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Handle: RePEc:pra:mprapa:10208

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Keywords: INFORMATION ASYMMETRIES; CREDIT RATIONING; BANKING CONCENTRATION; ARGENTINEAN CASE; MARTIN ARROYO; CIFF; MASTER FINANCE BANKING; MADRID; SPAIN; SME FINANCING; INFORMATION EFFICIENCY; ARGENTINA;

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  1. George Kanatas & Jianping Qi, 2004. "Dividends and Debt with Managerial Agency and Lender Holdup," Management Science, INFORMS, INFORMS, vol. 50(9), pages 1249-1260, September.
  2. Arito Ono & Iichiro Uesugi, 2005. "The Role of Collateral and Personal Guarantees in Relationship Lending: Evidence from Japan's Small Business Loan Market," Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) 05027, Research Institute of Economy, Trade and Industry (RIETI).
  3. Jaffee, Dwight & Stiglitz, Joseph, 1990. "Credit rationing," Handbook of Monetary Economics, Elsevier, in: B. M. Friedman & F. H. Hahn (ed.), Handbook of Monetary Economics, edition 1, volume 2, chapter 16, pages 837-888 Elsevier.
  4. Yoshiaki Ogura & Hirofumi Uchida, 2014. "Bank Consolidation and Soft Information Acquisition in Small Business Lending," Journal of Financial Services Research, Springer, Springer, vol. 45(2), pages 173-200, April.
  5. Bebczuk,Ricardo N., 2003. "Asymmetric Information in Financial Markets," Cambridge Books, Cambridge University Press, Cambridge University Press, number 9780521797320.
  6. Jonathan Scott, 2004. "Small Business and the Value of Community Financial Institutions," Journal of Financial Services Research, Springer, Springer, vol. 25(2), pages 207-230, April.
  7. Franks, Julian R & Sussman, Oren, 2003. "Financial Distress and Bank Restructuring of Small to Medium Size UK Companies," CEPR Discussion Papers, C.E.P.R. Discussion Papers 3915, C.E.P.R. Discussion Papers.
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