Does Function Follow Organizational Form? Evidence from the Lending Practices of Large and Small Banks

By Allen N. Berger, Nathan H. Miller, Mitchell A. Petersen, Raghuram G. Rajan, Jeremy C. Stein. 2005

2,161 citations recorded by the source corpus.

Subfields: Accounting, Finance, Management Science and Operations Research

View Paper: https://www.semanticscholar.org/paper/d9c231ada6a3a0715d9f9d987f371557d47f6f53

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In Management Science and Operations Research

Citations in the corpus

Initiative, Incentives and Soft Information. How Does Delegation Impact The Role of Bank Relationship Managers? (2003, methodology): “Column (6) also includes controls for the share of the loan portfolio held in each classification type.”
Credit Line Usage, Checking Account Activity, and Default Risk of Bank Borrowers (2010, positive): “Our paper connects to the third strand of literature by examining lines of credit and loan commitments, in particular to the quantitative aspect of takedown risk (Ho and Saunders 1983; Melnik and Plaut 1986; Berger and Udell 1995; Shockley and Thakor 1997; Agarwal, Ambrose, and Liu 2006; Jiménez, Lo”
Screening Peers Softly: Inferring the Quality of Small Borrowers (2016, background): “On the empirical front, Biais, Hillion, and Spatt (1999) and Davies (2003) examine learning in the preopening period in equity markets.”
Banking Deregulation and Innovation (2013, background): “Compared with small banks, large banks lend disproportionately less to small firms (e.g., Berger, Kashyap, and Scalise, 1995; Cole, Goldberg, and White, 2004; Berger et al., 2005).”
The Causes and Consequences of Venture Capital Stage Financing (2011, neutral): “Petersen and Rajan (2002) and Berger et al. (2005) study how distance between borrowers and lenders affects banks’ lending business.”
Building Relationships Early: Banks in Venture Capital (2008, methodology): “We propose to use instruments that measure the availability of different financial intermediaries [see also Berger et al. (2005)].”
Bank Branch Presence and Access to Credit in Low-to-Moderate Income Neighborhoods (2010, neutral): “Although the evidence supports the view that small banks specialize in lending to informationally " difficult " borrowers (Berger et al., 2005; Cole et al., 2004), small firms' access to credit is not impaired in the long run when there are fewer small banks in the area.”