scholarly journals Bank Consolidation and Soft Information Acquisition in Small Business Lending

2008 ◽  
Author(s):  
Yoshiaki Ogura ◽  
Hirofumi Uchida
Keyword(s):  
Small Business ◽  
Information Acquisition ◽  
Soft Information ◽  
Small Business Lending ◽  
Bank Consolidation

scholarly journals Communication within Banking Organizations and Small Business Lending

2020 ◽  
Vol 33 (12) ◽  
pp. 5750-5783
Author(s):  
Ross Levine ◽  
Chen Lin ◽  
Qilin Peng ◽  
Wensi Xie
Keyword(s):  
Small Business ◽  
Travel Time ◽  
Small Firm ◽  
Soft Information ◽  
Travel Times ◽  
Small Business Lending ◽  
Communication Costs ◽  
Small Business Loans ◽  
The Impact

Abstract We investigate how communication within banks affects small business lending. Using travel times between a bank’s headquarters and its branches to proxy for the costs of communicating soft information, we exploit shocks to these travel times—the introduction of new airline routes—to evaluate the impact of within-bank communication costs on small business loans. We find that reducing headquarters-branch travel time boosts small business lending in the branch’s county. Several extensions suggest that new airline routes facilitate in-person communications that boost small-firm lending.

Soft Information and Small Business Lending

2013 ◽  
Vol 47 (1) ◽  
pp. 115-133 ◽  
Author(s):  
Yehning Chen ◽  
Rachel J. Huang ◽  
John Tsai ◽  
Larry Y. Tzeng
Keyword(s):  
Small Business ◽  
Soft Information ◽  
Small Business Lending
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