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
core
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
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
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
core
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
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
Lending relationships and credit rationing: the impact of securitization [PDF]
Do lending relationships mitigate credit rationing? Does securitization influence the impact of lending relationships on credit rationing? If so, is its impact differently in normal periods versus crisis periods?
Rodriguez-Fernandez, F. +2 more
core
Investment, Efficiency, and Credit Rationing: Evidence from Hungarian Panel Data [PDF]
Relying upon a rich and unique panel of Hungarian firms over 7 years, from 1992 up to 1998, this paper estimates simultaneously TFP, Total Factor Productivity, identified as efficiency, and the parameters of a model where investment depends upon internal
Mathilde Maurel
core
Collateral and Credit Rationing. The role of collateral in explaining and remediating the limited flow of credit to households and SMEs. ECRI Policy Brief No. 7, February 2014 [PDF]
, 2014 European-wide data concerning both companies and households indicate that the credit rationing phenomenon, which has been predicted by theory, does in fact occur to a significant degree in the European credit market.
Chmelar, Ales, Helsen, Frederic
core
Credit rationing and crowding out during the Industrial Revolution: Evidence from Hoare's Bank, 1702-1862 [PDF]
Crowding-out during the British Industrial Revolution has long been one of the leading explanations for slow growth during the Industrial Revolution, but little empirical evidence exists to support it.
Peter Temin, Joachim Voth
core