Details about Gregory Udell

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Workplace:	Department of Finance, Kelley School of Business, Indiana University, (more information at EDIRC)

Access statistics for papers by Gregory Udell.

Last updated 2016-04-23. Update your information in the RePEc Author Service.

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Working Papers

2021

1. Is a Friend in Need a Friend Indeed? How Relationship Borrowers Fare during the COVID-19 Crisis
   Working Papers, Federal Reserve Bank of Philadelphia View citations (4)
2. Piercing Through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses During Normal Times and the COVID-19 Crisis
   Working Papers, Federal Reserve Bank of Philadelphia View citations (5)

2016

3. Hardening Soft Information: How Far Has Technology Taken Us?
   Mo.Fi.R. Working Papers, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences View citations (9)
4. Lending Pro-Cyclicality and Macro-Prudential Policy: Evidence from Japanese LTV Ratios
   HIT-REFINED Working Paper Series, Institute of Economic Research, Hitotsubashi University View citations (4)

2015

5. Sovereign stress, unconventional monetary policy, and SME access to finance
   Working Paper Series, European Central Bank View citations (37)

2013

6. A Close Look at Loan-To-Value Ratios: Evidence from the Japanese Real Estate Market
   Working Paper Series, Center for Interfirm Network, Institute of Economic Research, Hitotsubashi University View citations (2)

2012

7. The Home Bias and the Credit Crunch: A Regional Perspective
   Mo.Fi.R. Working Papers, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences View citations (20)
   See also Journal Article The Home Bias and the Credit Crunch: A Regional Perspective, Journal of Money, Credit and Banking, Blackwell Publishing (2014) View citations (70) (2014)
8. When the cat's away the mice will play: does regulation at home affect bank risk taking abroad?
   Working Paper Series, European Central Bank View citations (6)
   See also Journal Article “When the cat's away the mice will play”: Does regulation at home affect bank risk-taking abroad?, Journal of Financial Economics, Elsevier (2013) View citations (209) (2013)

2011

9. Bank Risk-Taking Abroad: Does Home-Country Regulation and Supervision Matter
   Discussion Paper, Tilburg University, Center for Economic Research View citations (3)

2010

10. Cross-border banking and the international transmission of financial distress during the crisis of 2007-2008
    Working Paper Series, European Central Bank View citations (57)

2009

11. Liberalization, Corporate Governance, and Savings Banks
    Mo.Fi.R. Working Papers, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences View citations (13)
12. Loan Officers and Relationship Lending to SMEs
    Mo.Fi.R. Working Papers, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences View citations (9)
    Also in Working Paper Series, Federal Reserve Bank of San Francisco (2008) View citations (1)
    See also Journal Article Loan officers and relationship lending to SMEs, Journal of Financial Intermediation, Elsevier (2012) View citations (143) (2012)

2008

13. Bank lending, financing constraints and SME investment
    Working Paper Series, Federal Reserve Bank of Chicago View citations (2)
14. Bank lending, financing constraints, SME investment
    Proceedings, Federal Reserve Bank of Chicago View citations (3)

2007

15. Bank Size and Lending Relationships in Japan
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (8)
    Also in Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) (2006) View citations (6)
    See also Chapter Bank Size and Lending Relationships in Japan, NBER Chapters, National Bureau of Economic Research, Inc (2008) View citations (86) (2008)
    Journal Article Bank size and lending relationships in Japan, Journal of the Japanese and International Economies, Elsevier (2008) View citations (86) (2008)

2006

16. Are Trade Creditors Relationship Lenders?
    Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) View citations (17)
    See also Journal Article Are trade creditors relationship lenders?, Japan and the World Economy, Elsevier (2013) View citations (12) (2013)
17. Bank market power and SME financing constraints
    Proceedings, Federal Reserve Bank of Chicago View citations (6)
    See also Journal Article Bank Market Power and SME Financing Constraints, Review of Finance, European Finance Association (2009) View citations (137) (2009)
18. Information Verifiability, Bank Organization, Bank Competition and Bank-Borrower Relationships
    Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) View citations (26)
    See also Journal Article Information verifiability, bank organization, bank competition and bank-borrower relationships, Journal of Banking & Finance, Elsevier (2011) View citations (42) (2011)
19. Loan Officers and Relationship Lending
    Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) View citations (16)
20. SME financing and the choice of lending technology
    Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) View citations (16)

2005

21. A more complete conceptual framework for financing of small and medium enterprises
    Policy Research Working Paper Series, The World Bank View citations (26)
22. Corporate governance and bank performance: a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership
    Policy Research Working Paper Series, The World Bank View citations (291)
    See also Journal Article Corporate governance and bank performance: A joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership, Journal of Banking & Finance, Elsevier (2005) View citations (290) (2005)
23. Does Market Size Structure Affect Competition? The Case of Small Business Lending
    CEI Working Paper Series, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University View citations (8)
    See also Journal Article Does market size structure affect competition? The case of small business lending, Journal of Banking & Finance, Elsevier (2007) View citations (130) (2007)

2004

24. An Economic Rationale for the Pricing Structure of Bank Loan Commitments
    Finance, University Library of Munich, Germany
    See also Journal Article An economic rationale for the pricing structure of bank loan commitments, Journal of Banking & Finance, Elsevier (1987) View citations (35) (1987)
25. Bank mergers and acquisitions: the impact of small business lending
    Proceedings, Federal Reserve Bank of Chicago
26. Competition, Risk Neutrality and Loan Commitments
    Finance, University Library of Munich, Germany View citations (6)
    Also in Research Memorandum, Tilburg University, School of Economics and Management (1987) View citations (47)
    See also Journal Article Competition, risk neutrality and loan commitments, Journal of Banking & Finance, Elsevier (1987) View citations (43) (1987)
27. Financing small and medium-size enterprises with factoring: global growth and its potential in eastern Europe
    Policy Research Working Paper Series, The World Bank View citations (16)

2003

28. The institutional memory hypothesis and the procyclicality of bank lending behavior
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (32)
    Also in BIS Working Papers, Bank for International Settlements (2003) View citations (38)
    See also Journal Article The institutional memory hypothesis and the procyclicality of bank lending behavior, Journal of Financial Intermediation, Elsevier (2004) View citations (257) (2004)
29. The past, present, and probable future for community banks
    Working Paper Series, Federal Reserve Bank of Chicago View citations (5)
    See also Journal Article The Past, Present, and Probable Future for Community Banks, Journal of Financial Services Research, Springer (2004) View citations (158) (2004)

2002

30. Comments on relationship lending
    Proceedings, Federal Reserve Bank of Chicago

2001

31. Small business credit availability and relationship lending: the importance of bank organizational structure
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (30)
    See also Journal Article Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure, Economic Journal, Royal Economic Society (2002) View citations (818) (2002)
32. The ability of banks to lend to informationally opaque small businesses
    Proceedings, Federal Reserve Bank of Chicago View citations (277)
    Also in Policy Research Working Paper Series, The World Bank (2001) View citations (472)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2001) View citations (448)
    See also Journal Article The ability of banks to lend to informationally opaque small businesses, Journal of Banking & Finance, Elsevier (2001) View citations (476) (2001)
33. The effect of market size structure on competition: the case of small business lending
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (18)
    Also in Working Paper Series, Federal Reserve Bank of Chicago (2001) View citations (21)
34. The effects of banking market size structure on bank competition: the case of small business lending
    Proceedings, Federal Reserve Bank of Chicago View citations (3)

2000

35. Efficiency barriers to the consolidation of the European financial services industry
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (19)
    See also Journal Article Efficiency Barriers to the Consolidation of the European Financial Services Industry, European Financial Management, European Financial Management Association (2001) View citations (52) (2001)
36. Globalization of financial institutions: evidence from cross-border banking performance
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (377)
    Also in Working Paper Series, Federal Reserve Bank of Chicago (1999) View citations (15)

1999

37. Lines of Credit and Relationship Lending in Small Firm Finance
    Macroeconomics, University Library of Munich, Germany View citations (4)
    Also in Proceedings, Federal Reserve Bank of Chicago (1994) View citations (9)
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania (1994) View citations (13)
    Economics Working Paper Archive, Levy Economics Institute (1994) View citations (21)

1998

38. The Effects of Bank Mergers and Acquisitions on Small Business Lending
    New York University, Leonard N. Stern School Finance Department Working Paper Seires, New York University, Leonard N. Stern School of Business- View citations (334)
    Also in New York University, Leonard N. Stern School Finance Department Working Paper Seires, New York University, Leonard N. Stern School of Business- (1997) View citations (22)
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1997) View citations (13)
    Proceedings, Federal Reserve Bank of Chicago (1997) View citations (6)
    See also Journal Article The effects of bank mergers and acquisitions on small business lending, Journal of Financial Economics, Elsevier (1998) View citations (347) (1998)
39. The economics of small business finance: the roles of private equity and debt markets in the financial growth cycle
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (1241)
    See also Journal Article The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle, Journal of Banking & Finance, Elsevier (1998) View citations (1201) (1998)

1995

40. Universal Banking and the Future of Small Business Lending
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (13)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1995) View citations (38)

1994

41. Did Risk-Based Capital Allocate Bank Credit and Cause a `Credit Crunch' in the U.S.?
    Center for Financial Institutions Working Papers, Wharton School Center for Financial Institutions, University of Pennsylvania View citations (113)
    Also in Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (1993) View citations (12)
42. Financial System Design for Formerly Planned Economies: Defining the Issues
    Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics View citations (4)

1993

43. Lines of credit, collateral, and relationship lending in small firm finance
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (4)
44. The economics of the private placement market
    Staff Studies, Board of Governors of the Federal Reserve System (U.S.) View citations (44)

1992

45. The private placement market: intermediation, life insurance companies, and a credit crunch
    Proceedings, Federal Reserve Bank of Chicago View citations (1)

1991

46. Securitization, risk, and the liquidity problem in banking
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (12)

1990

47. Some evidence on the empirical significance of credit rationing
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) View citations (7)
    See also Journal Article Some Evidence on the Empirical Significance of Credit Rationing, Journal of Political Economy, University of Chicago Press (1992) View citations (268) (1992)

1988

48. Collateral, loan quality, and bank risk
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
    See also Journal Article Collateral, loan quality and bank risk, Journal of Monetary Economics, Elsevier (1990) View citations (483) (1990)

1987

49. Collateral and borrower risk
    Research Memorandum, Tilburg University, School of Economics and Management
50. Credible commitments, contract enforcement problems and banks: Intermediation as credibility assurance
    Research Memorandum, Tilburg University, School of Economics and Management
    See also Journal Article Credible commitments, contract enforcement problems and banks: Intermediation as credibility assurance, Journal of Banking & Finance, Elsevier (1991) View citations (38) (1991)
51. Designing the optimal loan review policy
    Proceedings, Federal Reserve Bank of Chicago View citations (3)

Journal Articles

2014

1. Liberalization and Risk-Taking: Evidence from Government-Controlled Banks
   Review of Finance, 2014, 18, (4), 1217-1257 View citations (44)
2. The Home Bias and the Credit Crunch: A Regional Perspective
   Journal of Money, Credit and Banking, 2014, 46, (s1), 53-85 View citations (70)
   See also Working Paper The Home Bias and the Credit Crunch: A Regional Perspective, Mo.Fi.R. Working Papers (2012) View citations (20) (2012)

2013

3. Are trade creditors relationship lenders?
   Japan and the World Economy, 2013, 25-26, 24-38 View citations (12)
   See also Working Paper Are Trade Creditors Relationship Lenders?, Discussion papers (2006) View citations (17) (2006)
4. “When the cat's away the mice will play”: Does regulation at home affect bank risk-taking abroad?
   Journal of Financial Economics, 2013, 108, (3), 727-750 View citations (209)
   See also Working Paper When the cat's away the mice will play: does regulation at home affect bank risk taking abroad?, Working Paper Series (2012) View citations (6) (2012)

2012

5. Cross-border banking, credit access, and the financial crisis
   Journal of International Economics, 2012, 87, (1), 147-161 View citations (303)
6. Loan officers and relationship lending to SMEs
   Journal of Financial Intermediation, 2012, 21, (1), 97-122 View citations (143)
   See also Working Paper Loan Officers and Relationship Lending to SMEs, Mo.Fi.R. Working Papers (2009) View citations (9) (2009)

2011

7. Information verifiability, bank organization, bank competition and bank-borrower relationships
   Journal of Banking & Finance, 2011, 35, (4), 935-954 View citations (42)
   See also Working Paper Information Verifiability, Bank Organization, Bank Competition and Bank-Borrower Relationships, Discussion papers (2006) View citations (26) (2006)
8. Why Do Firms Form New Banking Relationships?
   Journal of Financial and Quantitative Analysis, 2011, 46, (5), 1335-1365 View citations (73)

2010

9. Are bank bailouts un-American?
   Business Horizons, 2010, 53, (5), 463-467 View citations (1)
10. Il finanziamento delle piccole e medie imprese e la crisi finanziaria: un quadro di riferimento
    ARGOMENTI, 2010, 2010/28, (28), 5-19

2009

11. Bank Market Power and SME Financing Constraints
    Review of Finance, 2009, 13, (2), 309-340 View citations (137)
    See also Working Paper Bank market power and SME financing constraints, Proceedings (2006) View citations (6) (2006)
12. How will a credit crunch affect small business finance?
    FRBSF Economic Letter, 2009, (mar6) View citations (9)
13. Special issue on banking Preface
    Review of Finance, 2009, 13, (2), v-vi
14. Wall Street, Main Street, and a credit crunch: Thoughts on the current financial crisis
    Business Horizons, 2009, 52, (2), 117-125 View citations (10)

2008

15. Bank size and lending relationships in Japan
    Journal of the Japanese and International Economies, 2008, 22, (2), 242-267 View citations (86)
    See also Chapter Bank Size and Lending Relationships in Japan, NBER Chapters, 2008, 242-267 (2008) View citations (86) (2008)
    Working Paper Bank Size and Lending Relationships in Japan, NBER Working Papers (2007) View citations (8) (2007)
16. What's in a relationship The case of commercial lending
    Business Horizons, 2008, 51, (2), 93-103 View citations (22)

2007

17. Does market size structure affect competition? The case of small business lending
    Journal of Banking & Finance, 2007, 31, (1), 11-33 View citations (130)
    See also Working Paper Does Market Size Structure Affect Competition? The Case of Small Business Lending, CEI Working Paper Series (2005) View citations (8) (2005)
18. Lending Channels and Financial Shocks: The Case of Small and Medium-Sized Enterprise Trade Credit and the Japanese Banking Crisis
    Monetary and Economic Studies, 2007, 25, (2), 1-44 View citations (23)

2006

19. A more complete conceptual framework for SME finance
    Journal of Banking & Finance, 2006, 30, (11), 2945-2966 View citations (715)

2005

20. Corporate governance and bank performance: A joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership
    Journal of Banking & Finance, 2005, 29, (8-9), 2179-2221 View citations (290)
    See also Working Paper Corporate governance and bank performance: a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership, Policy Research Working Paper Series (2005) View citations (291) (2005)

2004

21. The Past, Present, and Probable Future for Community Banks
    Journal of Financial Services Research, 2004, 25, (2), 85-133 View citations (158)
    See also Working Paper The past, present, and probable future for community banks, Working Paper Series (2003) View citations (5) (2003)
22. The institutional memory hypothesis and the procyclicality of bank lending behavior
    Journal of Financial Intermediation, 2004, 13, (4), 458-495 View citations (257)
    See also Working Paper The institutional memory hypothesis and the procyclicality of bank lending behavior, Finance and Economics Discussion Series (2003) View citations (32) (2003)
23. Whither the Community Bank?
    Journal of Financial Services Research, 2004, 25, (2), 81-84 View citations (13)

2003

24. The value of private sector business credit information sharing: The US case
    Journal of Banking & Finance, 2003, 27, (3), 449-469 View citations (99)

2002

25. Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure
    Economic Journal, 2002, 112, (477), F32-F53 View citations (818)
    See also Working Paper Small business credit availability and relationship lending: the importance of bank organizational structure, Finance and Economics Discussion Series (2001) View citations (30) (2001)
26. Whither the community bank? relationship finance in the information age
    Chicago Fed Letter, 2002, (Jun)

2001

27. Efficiency Barriers to the Consolidation of the European Financial Services Industry
    European Financial Management, 2001, 7, (1), 117-130 View citations (52)
    See also Working Paper Efficiency barriers to the consolidation of the European financial services industry, Finance and Economics Discussion Series (2000) View citations (19) (2000)
28. The ability of banks to lend to informationally opaque small businesses
    Journal of Banking & Finance, 2001, 25, (12), 2127-2167 View citations (476)
    See also Working Paper The ability of banks to lend to informationally opaque small businesses, Proceedings (2001) View citations (277) (2001)

1998

29. The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle
    Journal of Banking & Finance, 1998, 22, (6-8), 613-673 View citations (1201)
    See also Working Paper The economics of small business finance: the roles of private equity and debt markets in the financial growth cycle, Finance and Economics Discussion Series (1998) View citations (1241) (1998)
30. The effects of bank mergers and acquisitions on small business lending
    Journal of Financial Economics, 1998, 50, (2), 187-229 View citations (347)
    See also Working Paper The Effects of Bank Mergers and Acquisitions on Small Business Lending, New York University, Leonard N. Stern School Finance Department Working Paper Seires (1998) View citations (334) (1998)

1995

31. Relationship Lending and Lines of Credit in Small Firm Finance
    The Journal of Business, 1995, 68, (3), 351-81 View citations (1634)
32. The effect of bank capital requirements on bank off-balance sheet financial innovations
    Journal of Banking & Finance, 1995, 19, (3-4), 647-658 View citations (41)

1994

33. Did risk-based capital allocate bank credit and cause a "credit crunch" in the United States?
    Proceedings, 1994, 585-633 View citations (221)
    Also in Journal of Money, Credit and Banking, 1994, 26, (3), 585-628 (1994) View citations (159)
34. The economics of the private placement market(summary of staff study 166)
    Federal Reserve Bulletin, 1994, (Jan), 5-6 View citations (3)

1992

35. Some Evidence on the Empirical Significance of Credit Rationing
    Journal of Political Economy, 1992, 100, (5), 1047-77 View citations (268)
    See also Working Paper Some evidence on the empirical significance of credit rationing, Finance and Economics Discussion Series (1990) View citations (7) (1990)

1991

36. Credible commitments, contract enforcement problems and banks: Intermediation as credibility assurance
    Journal of Banking & Finance, 1991, 15, (3), 605-632 View citations (38)
    See also Working Paper Credible commitments, contract enforcement problems and banks: Intermediation as credibility assurance, Research Memorandum (1987) (1987)
37. Deposit insurance reform: What are the issues and what needs to be fixed?
    Journal of Banking & Finance, 1991, 15, (4-5), 735-752 View citations (35)
38. Secured Lending and Default Risk: Equilibrium Analysis, Policy Implications and Empirical Results
    Economic Journal, 1991, 101, (406), 458-72 View citations (278)
39. Special issue on deposit insurance reform
    Journal of Banking & Finance, 1991, 15, (4-5), 733-734
40. The pricing of retail deposits: Concentration and information
    Journal of Financial Intermediation, 1991, 1, (4), 335-361 View citations (19)

1990

41. Collateral, loan quality and bank risk
    Journal of Monetary Economics, 1990, 25, (1), 21-42 View citations (483)
    See also Working Paper Collateral, loan quality, and bank risk, Finance and Economics Discussion Series (1988) (1988)

1989

42. Loan quality, commercial loan review and loan officer contracting
    Journal of Banking & Finance, 1989, 13, (3), 367-382 View citations (86)

1987

43. An economic rationale for the pricing structure of bank loan commitments
    Journal of Banking & Finance, 1987, 11, (2), 271-289 View citations (35)
    See also Working Paper An Economic Rationale for the Pricing Structure of Bank Loan Commitments, Finance (2004) (2004)
44. Competition, risk neutrality and loan commitments
    Journal of Banking & Finance, 1987, 11, (3), 449-471 View citations (43)
    See also Working Paper Competition, Risk Neutrality and Loan Commitments, Finance (2004) View citations (6) (2004)

1986

45. Pricing Returned Check Charges under Asymmetric Information
    Journal of Money, Credit and Banking, 1986, 18, (4), 495-505 View citations (3)

Chapters

2015

1. SME Access to Intermediated Credit: What Do We Know and What Don't We Know?
   A chapter in Small Business Conditions and Finance, 2015 View citations (14)

2008

2. Bank Size and Lending Relationships in Japan
   A chapter in Organizational Innovation and Firm Performance, 2008, pp 242-267 View citations (86)
   See also Journal Article Bank size and lending relationships in Japan, Elsevier (2008) View citations (86) (2008)
   Working Paper Bank Size and Lending Relationships in Japan, National Bureau of Economic Research, Inc (2007) View citations (8) (2007)