Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure

@article{Berger2002SmallBC,
  title={Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure},
  author={Allen N. Berger and Gregory F. Udell},
  journal={Monetary Economics},
  year={2002}
}
This paper models the inner workings of relationship lending, the implications for bank organizational structure, and the effects of shocks to the economic environment on the availability of relationship credit to small businesses. Relationship lending depends on the accumulation over time by the loan officer of "soft" information. Because the loan officer is the repository of this soft information, agency problems are created throughout the organization that are best resolved by structuring… Expand
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