A Darker Side to Decentralized Banks: Market Power and Credit Rationing in SME Lending

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Small Bank Comparative Advantages in Alleviating Financial Constraints and Providing Liquidity Insurance over Time (2017, background): “2 Small banks are typically viewed as being better at using soft information because such information is easier to communicate within a small organization with fewer layers of management (e.g., Berger and Udell, 2002; Stein, 2002; Berger, Miller, Petersen, Rajan, and Stein, 2005; Liberti and Mian, 2”
Ultimate ownership and bank competition (2016, unknown): “…Collender and Shaffer (2003), Beck, Demirguc-Kunt, and Maksimovic (2004), Cetorelli (2004), Cetorelli and Strahan (2006), Kerr and Nanda (2009), Canales and Nanda (2012), Chatterji and Seamans (2012), Love and Pería (2015), Saidi and Streitz (2018), (2) Hannan and Berger (1991), Neumark and…”
Personal Characteristics of Entrepreneurs in the Context of Perception and Management of Business Risk in the Sme Segment (2015, background): “Canales and Nanda (2012) regard small businesses, especially young small businesses, as those that have insignifi cant internal cash fl ow to fi nance the operations.”