A platform for research: civil engineering, architecture and urbanism
A platform for research: civil engineering, architecture and urbanism
Soft information and the geography of SME bank lending
This paper explores the geography of bank lending to small and medium-sized enterprises (SMEs) and tests the argument that large institutions with complex organizational structures are better able to filter ‘hard’ information than ‘soft’ information. Mortgage lending is used as a control to illustrate the case of ‘hard’ and ‘soft’ information. Using data on individual bank lending to SMEs and mortgages by postcode area in Great Britain for the period 2013(2)–2014(4), the paper explains the spatial dispersion of SME lending in the UK in terms of geographical distance and supports the policy of establishing a geographically decentralized financial system as a counterbalance.
Soft information and the geography of SME bank lending
This paper explores the geography of bank lending to small and medium-sized enterprises (SMEs) and tests the argument that large institutions with complex organizational structures are better able to filter ‘hard’ information than ‘soft’ information. Mortgage lending is used as a control to illustrate the case of ‘hard’ and ‘soft’ information. Using data on individual bank lending to SMEs and mortgages by postcode area in Great Britain for the period 2013(2)–2014(4), the paper explains the spatial dispersion of SME lending in the UK in terms of geographical distance and supports the policy of establishing a geographically decentralized financial system as a counterbalance.
Soft information and the geography of SME bank lending
Zhao, Tianshu (author) / Luintel, Kul B. (author) / Matthews, Kent (author)
Regional Studies ; 55 ; 679-692
2021-04-03
14 pages
Article (Journal)
Electronic Resource
Unknown
The geography of mortgage lending in London
| Online Contents | 2014
World Bank environment lending tops $11,600m
Online Contents | 1997
Community Lending, Bank Efficiency, and Economic Dualism
| Online Contents | 1998
NetResults Geography Got Bank!
| British Library Online Contents | 2001