Bank-specific and firm-specific determiners of credit supply

Carmen Gallucci, Vincenzo Formisano, Michele Modina and Rosalia Santulli
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Carmen Gallucci: Università di Salerno
Vincenzo Formisano: Università di Cassino e del Lazio Meridionale
Michele Modina: Università del Molise
Rosalia Santulli: Università di Salerno

BANCARIA, 2017, vol. 11, 30-47

Abstract: The present paper aims at investigating the bank-specific and firm-specific determiners of both short-term and long-term credit supply. It applies a hierarchical regression model on data (2013-2014) related to a sample of 123 co-operative credit banks and more than 11,000 firms. The main findings suggest that in the long-term credit grant is mainly affected by banks’ capitalization, firms’ leverage and multiple bank. Instead, in the short-term it is connected to the amount of bank’s impaired loans and to firms’ Roe and leverage

JEL-codes: G21 G31 (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:ban:bancar:v:11:y:2017:m:november:p:30-47

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