Relationship Banking and SMEs: A Theoretical Analysis

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Collateral, relationship lending and family firms (2010, background): “Being able to negotiate with multiple banks avoids the monopolization of information on the borrower’s quality as well as any kind of rent extraction (Baas and Schrooten 2007; Hernández-Cánovas and Martı́nez-Solano 2007).”
Determinants of capital structure in Irish SMEs (2010, background): “Baas and Schrooten (2006) propose a classification of four lending techniques: transactions-based or ‘hard’ techniques, including assetbased lending, financial statement lending, small business credit scoring lending, and the ‘soft’ technique of relationship lending.”
COLLATERAL AND CREDIT RATIONING: A REVIEW OF RECENT EMPIRICAL STUDIES AS A GUIDE FOR FUTURE RESEARCH (2009, unknown): “In order to avoid this bank’s monopolization of information and the resulting rent extraction, the firm could negotiate with multiple banks (Baas and Schrooten, 2007; Hernández-Cánovas and Martı́nez-Solano, 2007).”
Financial Constraints and Productivity: Evidence from Euro Area Companies (2018, unknown): “Smaller-sized firms are more frequently affected by credit rationing than large firms (Baas and Schrooten, 2006) as banks perceive them riskier, in terms of probability of default and opaqueness of their 12See also Wooldridge (2012).”