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Archive » November 2017 » Bank-specific and firm-specific determiners of credit supply

Bank-specific and firm-specific determiners of credit supply

C.Gallucci, V. Formisano, M. Modina, R. Santulli
November 2017 - n. 11
Jel codes: G21; G31

The present paper aims at investigating the bank-specific and firm-specific determiners of both short-term and long-term credit supply. It applies a hierarchical regression model on data (2013-2014) related to a sample of 123 co-operative credit banks and more than 11,000 firms. The main findings suggest that in the long-term credit grant is mainly affected by banks’ capitalization, firms’ leverage and multiple bank. Instead, in the short-term it is connected to the amount of bank’s impaired loans and to firms’ Roe and leverage.

 

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