Over the last dozen years, the topic of small and medium enterprise (SME) default prediction
has developed into a relevant research domain that has grown for important reasons …

This paper examines how the cost of bank debt reflects public information about borrower
quality, and whether such information complements or substitutes the private information of …

In countries where indirect financing dominates, the geographic distribution of financial
resources to firms is crucial in enhancing credit availability and improving innovation quality …

A decentralized banking system is marked by geographical dispersion of banks with close
proximity of banks to their borrowers and strong long-term relationships between banks and …

Using data between 2009 and 2020, we provide a detailed description of the borrowers
within the Enterprise Finance Guarantee (EFG) loan portfolio, analyse time to default and …

This publication is a technical report by the Joint Research Centre (JRC), the European
Commission's science and knowledge service. It aims to provide evidence-based scientific …

In this study, we use a conventional Probit model to investigate the effects of banks' cost
efficiency on innovation in Italy. In particular, we assess whether the efficiency–innovation …

This study investigates the impact of borrower-lender distance on credit availability for
private firms. Utilizing an extensive loan record history, we categorize loans into initial and …

Purpose The function of banking development in reducing income inequality is critical
because financial institutions can grant loans, stimulating prospective productive …

As a promising strategy to secure debt financing, firms can use their intellectual property
rights (IPR) as collateral. Despite an ongoing shift to a more technology-based economy, the …