We use supervisory loan-level data to document that small firms (SMEs) obtain shorter
maturity credit lines than large firms, post more collateral, have higher utilization rates, and …

Using a unique dataset of more than 2 million Chinese firms that received credit from both
an important big tech firm (Ant Group) and traditional commercial banks, this paper …

Nowadays, industries attempt to give satisfaction to customers by providing a conditional
free home delivery strategy in a dual-channel as recent customers want to get home delivery …

Microcredit institutions are facing commercialization transformation, and how they can
balance their social mission with operational performance is a focus of research in both …

We study the valuation of collateral by comparing spreads on loans by the same bank, to the
same borrower, at the same origination date, but backed by different types of collateral …

The main objective of this paper is to examine the determinants of portfolio at risk in
Palestine by analyzing the impact of macroeconomic and micro-level factors on credit risk for …

Using a sample of 54,964 firm‐year observations of US public firms during the period 2001
to 2020, we investigate how managerial ability affects corporate debt choice. We find …

This study uses criminal first-instance judgments of financial crimes published by China
Judgments Online to construct an index of a city's financial crime rate, focusing on the impact …

We show that borrowers are highly sensitive to the requirement of posting their homes as
collateral. Using administrative loan application and performance data from the US Federal …

This study explores to answer the question: does the introduction of a moveable collateral
registry lead to significant increase in access to credit to micro, small and medium-sized …