Bank size, lending technologies, and small business finance

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How researchers see this paper

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Determinants of Default in P2P Lending (2015, background): “Two approaches exist in credit scoring: statistical and judgmental [53].”
Bank Liquidity Creation and Real Economic Output (2017, neutral): “literature (e.g., Carter and McNulty, 2005; Berger and Black, 2011).”
Local Bank, Digital Financial Inclusion and SME Financing Constraints: Empirical Evidence from China (2021, background): “Second, banking market structure research is generally focused on developed countries, especially in the United States (see Berger and Black 2011; Han, Zhang, and Greene 2017).”
The unreliability of credit-to-GDP ratio gaps in real-time: Implications for countercyclical capital buffers (2011, positive): “Although smaller banks tend to have higher capital ratios, they also appear to utilize different lending technologies, most notably relationship lending (see Petersen and Rajan, 1994, and Berger and Black, 2010).”
Do Small Businesses Still Prefer Community Banks (2013, background): “Berger and Black (2011) find that large banks tend to lend to both the smallest and the largest small businesses, with small banks specializing in lending to medium-sized small firms.”