Loan managers' trust and credit access for SMEs

被引：125

作者：

Moro, Andrea ^{[1
]}

Fink, Matthias ^{[2
,3
]}

机构：

[1] Univ Leicester, Inst Finance, Sch Management, Leicester LE1 7RH, Leics, England

[2] WU Vienna Univ Econ & Business, Inst Small Business Management & Entrepreneurship, A-1090 Vienna, Austria

[3] Univ Luneburg, D-21335 Luneburg, Germany

来源：

JOURNAL OF BANKING & FINANCE | 2013年 / 37卷 / 03期

关键词：

Credit access; Relationship lending; SMEs; Trust; LENDING RELATIONSHIPS; TRUSTWORTHINESS; AVAILABILITY;

D O I：

10.1016/j.jbankfin.2012.10.023

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

Research on relationship lending pays only marginal attention to the role of loan managers' trust in the managers of SMEs. Trust literature suggests that trust reduces agency costs. Thus, trust is expected to be positively related to the amount of short-term credit granted and negatively related to SMEs' risk of being credit constrained. Results from six banks characterised by a German culture and three banks characterised by an Italian culture suggest that this is indeed the case: SMEs that enjoy a high level of trust from loan managers obtain more credit and are less credit constrained. (C) 2012 Elsevier B.V. All rights reserved.

引用

页码：927 / 936

页数：10

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