Relazione Banca-Impresa, Offerta e Specializzazione Settoriale del Credito

Translated title of the contribution: [Autom. eng. transl.] Bank-Business Relationship, Offer and Sectoral Specialization of Credit

Stefano Monferra', Malafronte Irma, Porzio Claudio, Sampagnaro Gabriele

Research output: Contribution to journalArticle

Abstract

[Autom. eng. transl.] This paper empirically analyzes the relationship between banking competition and credit availability, using information relating to the financing relationships of a large sample of companies (over 30,000) stratified by size, location and sectoral membership. The results show that, in a system characterized by competition in supply and by credit lines supported by suitable guarantees, bank-firm relations appear more intense and lasting over time. Finally, consistent with the theoretical approach of relationship lending, both the intensity of the relationship (in terms of duration and exclusivity) and the sectoral specialization positively condition the availability of credit.
Translated title of the contribution[Autom. eng. transl.] Bank-Business Relationship, Offer and Sectoral Specialization of Credit
Original languageItalian
Pages (from-to)90-101
Number of pages12
JournalBANCARIA
Publication statusPublished - 2014

Keywords

  • concorrenza, relationship lending, disponibilità di credito, crisi finanziaria

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