EconPapers    
Economics at your fingertips  
 

Loan officers and relationship lending to SMEs

Hirofumi Uchida, Gregory Udell () and Nobuyoshi Yamori ()

Journal of Financial Intermediation, 2012, vol. 21, issue 1, 97-122

Abstract: Previous research suggests that loan officers may play a critical role in relationship lending by producing soft information about SMEs. For the first time, we analyze this hypothesis and find empirical evidence that indicates that loan officer activities are associated with bank production of soft information. We also find that loan officers at small banks produce more soft information than at large banks, but large banks appear to have the equivalent potential to underwrite relationship loans. Nevertheless, large banks choose instead to focus their resources on transactions lending.

Keywords: Relationship lending; Small- and medium-sized enterprises; Soft information; Hierarchical organizations (search for similar items in EconPapers)
Date: 2012
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (78) Track citations by RSS feed

Downloads: (external link)
http://www.sciencedirect.com/science/article/pii/S104295731100026X
Full text for ScienceDirect subscribers only

Related works:
Working Paper: Loan Officers and Relationship Lending to SMEs (2009) Downloads
Working Paper: Loan officers and relationship lending to SMEs (2008) Downloads
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:eee:jfinin:v:21:y:2012:i:1:p:97-122

DOI: 10.1016/j.jfi.2011.06.002

Access Statistics for this article

Journal of Financial Intermediation is currently edited by Elu von Thadden

More articles in Journal of Financial Intermediation from Elsevier
Bibliographic data for series maintained by Haili He ().

 
Page updated 2020-07-09
Handle: RePEc:eee:jfinin:v:21:y:2012:i:1:p:97-122