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.
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收藏
页数：4
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