Are good or bad borrowers discouraged from applying for loans? Evidence from US small business credit markets

By Liang Han, Stuart A. Fraser, D. Storey. 2009

218 citations recorded by the source corpus.

View Paper: https://www.semanticscholar.org/paper/030833cbfa0769bfe466f7ed71c872734b04202a

How researchers see this paper

The researchers whose trusted networks rank it highest, strongest advocate first. Every researcher gets a different order.

In Accounting

In Finance

Citations in the corpus

Consumer Credit Risk Models Via Machine-Learning Algorithms (2010, background): “are likely to have the longest relationships with the Bank and, according to Han et al. (2009), may be most easily discouraged from applying for new loans and reduce their”
Innovation, SMEs and the liability of distance: the demand and supply of bank funding in UK peripheral regions (2016, methodology): “As is now standard in the literature using these surveys, following authors such as Han et al. (2009), an instrumented credit score is used to address this problem.”
What do we know about entrepreneurial finance and its relationship with growth? (2015, background): “…and growth exists only if discouragement leads to under-investment; alternatively, discouragement may be economically efficient (suggesting no relationship with growth) if unviable businesses decide not to seek finance because they (rightly) believe they will be turned down (Han et al., 2009).”
Perceived credit constraints in the European Union (2012, unknown): “Such discouraged firms form a substantial part of all SMEs (Han et al. 2009) and should not be neglected in studies of credit accessibility (Chakravarty and Xiang 2009).”
The latent demand for bank debt: characterizing “discouraged borrowers” (2012, background): “good) borrowers, they also infer ‘‘a low, but nonetheless positive, level of market imperfection’’ ( Han et al. 2009, p. 420 ).”
Access to finance for innovative SMEs since the financial crisis (2015, background): “Research suggests that riskier firms may be discouraged from applying for finance in some circumstances (Han et al. 2009).”
Who Needs Credit and Who Gets Credit in Eastern Europe? (2011, unknown): “7 discouragement by firms focus on a single country, i.e. the US, using the National Survey on Small Business Lending (Cole (1998); Cole (2008); and Han, Fraser, and Storey (2009)).8 Chakravarty and Xiang (2009) also study firm discouragement across 10 emerging economies employing the Investment…”