Regional Bank Consolidation and SMEs' Credit Availability: Evidence from China

被引：1
|
作者：
Hou, Xiaohui [1 ]
He, Wei [1 ]
Ke, Kong-Lin [2 ]
机构：
[1] Xi An Jiao Tong Univ, Sch Econ & Finance, Xian 710061, Shaanxi, Peoples R China
[2] Zhejiang Gongshang Univ, Sch Finance, Hangzhou 310018, Zhejiang, Peoples R China
来源：
COMPLEXITY | 2021年 / 2021卷
关键词：
Credit availability - Senior managers - Small business - Soft information;
D O I：
10.1155/2021/8509991
中图分类号：
O1 [数学];
学科分类号：
0701 ; 070101 ;
摘要：
We conjecture that locally government-led bank consolidation may negatively affect the SMEs' credit availability in China because the breakdown of privately benefit-based relationships among small business borrowers, loan officers, and senior managers could reduce loan officers' incentives to use their soft information. Empirical results show that this is indeed the case.
引用
收藏
页数：4
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