Abstract

http://ssrn.com/abstract=1971076
 
 

Citations



 


 



Loan Officers and Relationship Lending to SMEs


Hirofumi Uchida


Kobe University - Graduate School of Business Administration

Gregory F. Udell


Indiana University - Kelley School of Business - Department of Finance

Nobuyoshi Yamori


Kobe University - Research Institute for Economics & Business Administration

November 22, 2011

Journal of Financial Intermediation, Vol. 21, No. 1, 2012

Abstract:     
Previous research suggests that loan officers may play a critical role in relationship lending by producing soft information about SMEs. For the first time, we analyze this hypothesis and find empirical evidence that indicates that loan officer activities are associated with bank production of soft information. We also find that loan officers at small banks produce more soft information than at large banks, but large banks appear to have the equivalent potential to underwrite relationship loans. Nevertheless, large banks choose instead to focus their resources on transactions lending.

Keywords: Relationship lending, Small and medium-sized enterprises, Soft information, Hierarchical organizations

JEL Classification: G21,L14,D82

Accepted Paper Series


Not Available For Download

Date posted: December 12, 2011  

Suggested Citation

Uchida, Hirofumi and Udell, Gregory F. and Yamori, Nobuyoshi, Loan Officers and Relationship Lending to SMEs (November 22, 2011). Journal of Financial Intermediation, Vol. 21, No. 1, 2012. Available at SSRN: http://ssrn.com/abstract=1971076

Contact Information

Hirofumi Uchida (Contact Author)
Kobe University - Graduate School of Business Administration ( email )
2-1, Rokkodai-cho, Nada-ku
Kobe, 657-8501
Japan
81-78-803-6949 (Phone)
HOME PAGE: http://www.b.kobe-u.ac.jp/~uchida
Gregory F. Udell
Indiana University - Kelley School of Business - Department of Finance ( email )
1309 E. 10th St.
Bloomington, IN 47405
United States

Nobuyoshi Yamori
Kobe University - Research Institute for Economics & Business Administration ( email )
2-1, Rokkodai cho
Nada-ku
Kobe, 657-8501
Japan
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