EconPapers    
Economics at your fingertips  
 

Relationship lending and the role of loan officers in China: Empirical analysis based on the data on companies in industrial clusters

Cheng Zhang (), Yu Liu () and Cheng Tang ()

Edelweiss Applied Science and Technology, 2024, vol. 8, issue 6, 4470-4478

Abstract: Relationship lending refers to lending behavior in which a financial institution makes loan decisions based on the accumulated soft information on the borrower. Empirical studies have revealed the positive effect of relationship lending. However, questions concerning who generates and accumulates soft information and in what ways in China have never been analyzed empirically. This paper empirically aims to explain whether loan officers generate soft information in relationship lending using data collected through surveys conducted among SMEs in the apparel industry clusters in Zhejiang and Jiangsu provinces. Based on the results of this study, relationship banking in China, which deals with the role of loan officers, seems even more important than is generally recognized.

Keywords: Relationship lending; Small-and medium-sized enterprises; Soft information. (search for similar items in EconPapers)
Date: 2024
References: Add references at CitEc
Citations:

Downloads: (external link)
https://learning-gate.com/index.php/2576-8484/article/view/2975/1116 (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ajp:edwast:v:8:y:2024:i:6:p:4470-4478:id:2975

Access Statistics for this article

More articles in Edelweiss Applied Science and Technology from Learning Gate
Bibliographic data for series maintained by Melissa Fernandes ().

 
Page updated 2025-03-19
Handle: RePEc:ajp:edwast:v:8:y:2024:i:6:p:4470-4478:id:2975