Results 111 to 120 of about 481,187 (249)
Character and creditworthiness: Unveiling the role of job titles in peer‐to‐peer lending
Journal of Financial Research, Volume 49, Issue 3, Page 1205-1228, Fall 2026.Abstract Using data from the Prosper lending platform, we examine the influence of job‐based trust on credit market dynamics. We find that the generalized trust implied by borrowers' job titles, as a reflection of individuals' ethical and integrity standards in professionals, positively affects listing and loan performance.
Zagdbazar Davaadorj +2 more
wiley +1 more source
Risk Rationing in China Rural Credit Markets [PDF]
The purpose of this paper is to provide a specific test of Boucher, Carter et al. (2008) framework on risk rationing. The data were collected through a survey of 730 farm households in Shaanxi province conducted in November 2010.
Kong, Rong +2 more
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House Prices and Bank Lending to SMEs: Evidence From UK Local Authorities
Journal of Regional Science, Volume 66, Issue 4, Page 1210-1220, September 2026.ABSTRACT Using panel data for 304 local authorities in the UK from 2014 to 2021, we empirically examine three issues: (a) how booms in house prices affect bank lending to small and medium‐sized enterprises (SMEs); (b) whether these effects differ when SMEs hold larger amounts of real estate and buildings and (c) whether a rise in house prices can cause
Jalal Siddiki, Zilong Wang
wiley +1 more source
A Semiparametric Time Trend Varying Coefficients Model: With An Application to Evaluate Credit Rationing in U.S. Credit Market [PDF]
In this paper, we propose a new semiparametric varying coefficient model which extends the existing semi-parametric varying coefficient models to allow for a time trend regressor with smooth coefficient function. We propose to use the local linear method
Jingping Gu, Paula Hernandez-Verme
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Credit rationing by loan size in commercial loan markets [PDF]
The authors present a theoretical model in which a profit-maximizing lender may ration credit to businesses by restricting loan size. Such credit rationing occurs despite the absence of differences across borrowers in default risk or loan administration ...
Stacey L. Schreft, Anne P. Villamil
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Credit Rationing: The Relative Importance of Internal and External Factors [PDF]
Both internal and external factors can contribute to the informational frictions that drive credit rationing among firms. This study uses data from enterprise surveys and other sources to evaluate the relative contribution of internal and external ...
Inter-American Development Bank
core +1 more source
SystemsAgricultural credit rationing remains a persistent systemic friction driven by information opacity and limited collateral. This study develops a credit risk early-warning system by fusing multi-source institutional digital footprints (tax compliance ...
Kan Zhang, Yuan Song, Weilin Hao
doaj +1 more source
Credit Rationing in the Polish Farm Sector: A Microeconometric Analysis Based on Survey Data [PDF]
The objective of this paper is to empirically detect credit rationing of Polish farms. Based on cross-sectional survey data and motivated by a microeconomic farm household model, this effort is pursued by a methodology consisting of three interrelated ...
Petrick, Martin
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Credit Rationing and Internal Ratings in the Face of Innovation and Uncertainty [PDF]
, 2005 Some empirical investigations are pointing to the fact that high-tech firms are subject to credit rationing to a higher extent than the avereage. This excess of credit rationing may not be due top information asymmetries, but rather to the inability of ...
Fioretti, Guido
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On the Possibility of Credit Rationing in the Stiglitz-Weiss Model [PDF]
Contrary to what is consistently assumed in the literature, the return function cannot be hump-shaped in the Stiglitz-Weiss (1981) model. This has important consequences for the possible occurrence of credit rationing and redlining.
Arnold, Lutz G.
core