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Loan quality, commercial loan review and loan officer contracting

Citations

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Cited by:

  1. Shawn Cole & Martin Kanz & Leora Klapper, 2015. "Incentivizing Calculated Risk-Taking: Evidence from an Experiment with Commercial Bank Loan Officers," Journal of Finance, American Finance Association, vol. 70(2), pages 537-575, April.
  2. Amélie Artis & Simon Cornée, 2013. "Transformation informationnelle, certification et intermédiation financière : le cas de la banque solidaire," Economics Working Paper Archive (University of Rennes 1 & University of Caen) 201326, Center for Research in Economics and Management (CREM), University of Rennes 1, University of Caen and CNRS.
  3. 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.
  4. Simon Cornée, 2014. "Soft Information and Default Prediction in Cooperative and Social Banks," Journal of Entrepreneurial and Organizational Diversity, European Research Institute on Cooperative and Social Enterprises, vol. 3(1), pages 89-103, June.
  5. Florian Heider & Roman Inderst, 2012. "Loan Prospecting," The Review of Financial Studies, Society for Financial Studies, vol. 25(8), pages 2381-2415.
  6. Berg, Tobias, 2016. "Got rejected? Real effects of not getting a loan," Working Paper Series 1960, European Central Bank.
  7. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2009. "Banks, Distances and Firms' Financing Constraints," Review of Finance, European Finance Association, vol. 13(2), pages 261-307.
  8. Stefano Filomeni & Gregory F. Udell & Alberto Zazzaro, 2016. "Hardening Soft Information: How Far Has Technology Taken Us?," CSEF Working Papers 455, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
  9. Mahlmann, Thomas, 2006. "Estimation of rating class transition probabilities with incomplete data," Journal of Banking & Finance, Elsevier, vol. 30(11), pages 3235-3256, November.
  10. Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007. "Distance, Bank Organizational Structure and Credit," Other publications TiSEM 34c2f607-3395-4fd9-9c52-4, Tilburg University, School of Economics and Management.
  11. Jens Grunert & Lars Norden, 2012. "Bargaining power and information in SME lending," Small Business Economics, Springer, vol. 39(2), pages 401-417, September.
  12. 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 32-53, February.
  13. repec:dau:papers:123456789/3322 is not listed on IDEAS
  14. Sadok El Ghoul & Omrane Guedhami & Chuck C. Y. Kwok & Xiaolan Zheng, 2016. "Collectivism and Corruption in Commercial Loan Production: How to Break the Curse?," Journal of Business Ethics, Springer, vol. 139(2), pages 225-250, December.
  15. de Jong, A., 2004. "It Takes Two To Tango: an empirical tale of distressed firms and assisting banks," ERIM Report Series Research in Management ERS-2004-049-F&A, 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 University Rotterdam.
  16. Berlin, Mitchell & Mester, Loretta J, 1998. "Intermediation and Vertical Integration," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 30(3), pages 500-519, August.
  17. Vojtech, Cindy M. & Kay, Benjamin S. & Driscoll, John C., 2020. "The real consequences of bank mortgage lending standards," Journal of Financial Intermediation, Elsevier, vol. 44(C).
  18. Jiménez, Gabriel & Salas, Vicente & Saurina, Jesús, 2009. "Organizational distance and use of collateral for business loans," Journal of Banking & Finance, Elsevier, vol. 33(2), pages 234-243, February.
  19. Agarwal, Sumit & Ben-David, Itzhak, 2018. "Loan prospecting and the loss of soft information," Journal of Financial Economics, Elsevier, vol. 129(3), pages 608-628.
  20. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2009. "Geographical Organization of Banking Systems and Innovation Diffusion," Springer Books, in: Alberto Zazzaro & Michele Fratianni & Pietro Alessandrini (ed.), The Changing Geography of Banking and Finance, edition 1, chapter 0, pages 75-108, Springer.
  21. Sauro Mocetti & Marcello Pagnini & Enrico Sette, 2017. "Information Technology and Banking Organization," Journal of Financial Services Research, Springer;Western Finance Association, vol. 51(3), pages 313-338, June.
  22. Hubert Tchakoute Tchuigoua, 2011. "Contrat de crédit, décentralisation décisionnelle et performance des institutions de microfinance," Revue Finance Contrôle Stratégie, revues.org, vol. 14(2), pages 143-173, June.
  23. Andrea Bellucci & Alexander Borisov & Alberto Zazzaro, 2011. "Do Male and Female Loan Officers Differ in Small Business Lending? A Review of the Literature," Contributions to Economics, in: Giorgio Calcagnini & Ilario Favaretto (ed.), The Economics of Small Businesses, chapter 0, pages 195-219, Springer.
  24. Avery, Robert B. & Berger, Allen N., 1991. "Risk-based capital and deposit insurance reform," Journal of Banking & Finance, Elsevier, vol. 15(4-5), pages 847-874, September.
  25. Fredj FHIMA & Ridha NOUIRA & Philippe ADAIR, 2023. "Financement des entreprises et prêts non perfor-mants en Tunisie," Region et Developpement, Region et Developpement, LEAD, Universite du Sud - Toulon Var, vol. 58, pages 65-81.
  26. Masazumi Hattori & Kohei Shintani & Hirofumi Uchida, 2012. "Authority and Soft Information Production within a Bank Organization," IMES Discussion Paper Series 12-E-07, Institute for Monetary and Economic Studies, Bank of Japan.
  27. Roman Inderst & Sebastian Pfeil, 2013. "Securitization and Compensation in Financial Institutions," Review of Finance, European Finance Association, vol. 17(4), pages 1323-1364.
  28. Catherine Refait, 2005. "Soutien financier ou mise en faillite de l'entreprise? Comprendre la décision de la banque," Revue Finance Contrôle Stratégie, revues.org, vol. 8(1), pages 131-157, March.
  29. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2010. "Bank size or distance: what hampers innovation adoption by SMEs?," Journal of Economic Geography, Oxford University Press, vol. 10(6), pages 845-881, November.
  30. Luca Papi & Emma Sarno & Alberto Zazzaro, 2017. "The geographical network of bank organizations: issues and evidence for Italy," Chapters, in: Ron Martin & Jane Pollard (ed.), Handbook on the Geographies of Money and Finance, chapter 8, pages 156-196, Edward Elgar Publishing.
  31. Zouhaïer M’Chirgui & Wadid Lamine & Sarfraz Mian & Alain Fayolle, 2018. "University technology commercialization through new venture projects: an assessment of the French regional incubator program," The Journal of Technology Transfer, Springer, vol. 43(5), pages 1142-1160, October.
  32. Ferrando, Annalisa & Popov, Alexander & Udell, Gregory F., 2022. "Unconventional monetary policy, funding expectations, and firm decisions," European Economic Review, Elsevier, vol. 149(C).
  33. Uchida, Hirofumi & Udell, Gregory F. & Yamori, Nobuyoshi, 2012. "Loan officers and relationship lending to SMEs," Journal of Financial Intermediation, Elsevier, vol. 21(1), pages 97-122.
  34. Urooj Khan & N. Bugra Ozel, 2016. "Real Activity Forecasts Using Loan Portfolio Information," Journal of Accounting Research, Wiley Blackwell, vol. 54(3), pages 895-937, June.
  35. benvenuti, m. & casolaro, l. & del prete, s. & mistrulli, p. e., 2010. "Loan Officer Authority and Small Business Lending.Evidence from a survey," MPRA Paper 26475, University Library of Munich, Germany.
  36. Pietro Alessandrini & Manuela Croci & Alberto Zazzaro, 2009. "The Geography of Banking Power: The Role of Functional Distance," Springer Books, in: Damiano Bruno Silipo (ed.), The Banks and the Italian Economy, chapter 0, pages 93-123, Springer.
  37. Jarque, Arantxa & Prescott, Edward Simpson, 2020. "Banker compensation, relative performance, and bank risk," Journal of the Japanese and International Economies, Elsevier, vol. 56(C).
  38. Udell, Gregory F., 2008. "What's in a relationship The case of commercial lending," Business Horizons, Elsevier, vol. 51(2), pages 93-103.
  39. Hans Degryse & Nancy Masschelein & Janet Mitchell, 2004. "SMEs and Bank Lending Relationships: the Impact of Mergers," Working Paper Research 46, National Bank of Belgium.
  40. Laurent Vilanova, 2000. "« Les déterminants du soutien abusif : une première approche empirique » Article paru dans Banque & Marchés n°47 Mai-Juin 2000 pp.42-56," Post-Print halshs-02418818, HAL.
  41. Amélie Artis & Simon Cornée, 2017. "Composition, Interpretation and Memorisation of the Idiosyncratic Knowledge in Social Banking," Working Papers CEB 17-002, ULB -- Universite Libre de Bruxelles.
  42. Kang, Di & Zhuang, Zhuang, 2019. "Should companies care who their lender is? Evidence from loan covenants," Pacific-Basin Finance Journal, Elsevier, vol. 57(C).
  43. 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, February.
  44. Paola Sapienza, 2002. "The Effects of Banking Mergers on Loan Contracts," Journal of Finance, American Finance Association, vol. 57(1), pages 329-367, February.
  45. Simon Cornée, 2012. "The Relevance of Soft Information for Predicting Small Business Credit Default: Evidence from a Social Bank," Economics Working Paper Archive (University of Rennes 1 & University of Caen) 201226, Center for Research in Economics and Management (CREM), University of Rennes 1, University of Caen and CNRS, revised Sep 2015.
  46. Fredj Fhima & Walid Trabelsi, 2021. "Loan Officer and the Evolution of Bank-SMEs Relationship in Tunisia," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 13(9), pages 1-41, August.
  47. Inderst, Roman, 2009. "Loan origination under soft- and hard-information lending," IMFS Working Paper Series 27, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
  48. Djedidi-Kooli, Salima, 2009. "L’accès au financement des PME en France : quel rôle joué par la structure du système bancaire ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/8354 edited by Etner, François.
  49. repec:ctc:sdimse:dime19_01 is not listed on IDEAS
  50. Pietro ALESSANDRINI & Andrea PRESBITERO & Alberto ZAZZARO, 2006. "Banks, Distances and Financing Constraints for Firms," Working Papers 266, Universita' Politecnica delle Marche (I), Dipartimento di Scienze Economiche e Sociali.
  51. Pietro ALESSANDRINI & Giorgio CALCAGNINI & Alberto ZAZZARO, 2006. "Asset Restructuring Strategies in Bank Acquisitions: Evidence from the Italian Banking Industry," Working Papers 264, Universita' Politecnica delle Marche (I), Dipartimento di Scienze Economiche e Sociali.
  52. Akins, Brian & Dou, Yiwei & Ng, Jeffrey, 2017. "Corruption in bank lending: The role of timely loan loss recognition," Journal of Accounting and Economics, Elsevier, vol. 63(2), pages 454-478.
  53. Infante, L. & Piazza, M., 2014. "Political connections and preferential lending at local level: Some evidence from the Italian credit market," Journal of Corporate Finance, Elsevier, vol. 29(C), pages 246-262.
  54. Carter, David A. & McNulty, James E., 2005. "Deregulation, technological change, and the business-lending performance of large and small banks," Journal of Banking & Finance, Elsevier, vol. 29(5), pages 1113-1130, May.
  55. Lehmann, Erik & Neuberger, Doris, 2001. "Do lending relationships matter?: Evidence from bank survey data in Germany," Journal of Economic Behavior & Organization, Elsevier, vol. 45(4), pages 339-359, August.
  56. Mark S. Carey & Stephen D. Prowse & John Rea & Gregory F. Udell, 1993. "The economics of the private placement market," Staff Studies 166, Board of Governors of the Federal Reserve System (U.S.).
  57. Laurent Vilanova, 2002. "L'impact des effets de réputation sur l'incitation des banques à soutenir des entreprises non viables," Post-Print halshs-00467735, HAL.
  58. Song, Fenghua & Thakor, Anjan V., 2019. "Bank culture," Journal of Financial Intermediation, Elsevier, vol. 39(C), pages 59-79.
  59. Robert Bird & John Knopf, 2015. "The Impact of Local Knowledge on Banking," Journal of Financial Services Research, Springer;Western Finance Association, vol. 48(1), pages 1-20, August.
  60. Arantxa Jarque & Edward Simpson Prescott, 2013. "Banker compensation and bank risk taking: the organizational economics view," Working Paper 13-03, Federal Reserve Bank of Richmond.
  61. Michele Benvenuti & Luca Casolaro & Silvia Del Prete & Paolo Emilio Mistrulli, 2017. "The Right to Decide and the Effective Control Over Small Business Lending Decisions: A Look into Loan Officers’ Real Authority," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 46(2), pages 237-268, July.
  62. Emilio Abad-Segura & Mariana-Daniela González-Zamar, 2020. "Global Research Trends in Financial Transactions," Mathematics, MDPI, vol. 8(4), pages 1-32, April.
  63. Masazumi Hattori & Kohei Shintani & Hirofumi Uchida, 2015. "The Repository of Soft Information within Bank Organizations," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 47(4), pages 737-770, June.
  64. 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;Western Finance Association, vol. 25(2), pages 233-252, April.
  65. Treacy, William F. & Carey, Mark, 2000. "Credit risk rating systems at large US banks," Journal of Banking & Finance, Elsevier, vol. 24(1-2), pages 167-201, January.
  66. Petkov, Ivan, 2015. "Small Business Lending and the Bank-Branch Network," MPRA Paper 85762, University Library of Munich, Germany, revised 13 Oct 2017.
  67. Salima Djedidi Kooli, 2012. "Distances and Small Business Credit Constraints: The French case," International Journal of Business and Economic Sciences Applied Research (IJBESAR), International Hellenic University (IHU), Kavala Campus, Greece (formerly Eastern Macedonia and Thrace Institute of Technology - EMaTTech), vol. 5(3), pages 81-114, December.
  68. Tobias Berg & Manju Puri & Jorg Rocholl, 2013. "Loan officer Incentives and the Limits of Hard Information," NBER Working Papers 19051, National Bureau of Economic Research, Inc.
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