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Cited by 434

The DOI matches its Crossref record; 42 of the 42 references it cites were found in a registry or an index.

Collateral, type of lender and relationship banking as determinants of credit risk

Open access
Jiménez, Gabriel, Saurina, Jesús·2004·Journal of Banking & Finance
DOI 10.1016/j.jbankfin.2003.09.002
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Abstract

This paper analyses the determinants of the probability of default (PD) of bank loans. We focus the discussion on the role of a limited set of variables (collateral, type of lender and bank borrower relationship) while controlling for the other explanatory variables. The study uses information on the more than three million loans entered into by Spanish credit institutions over a complete business cycle (1988 to 2000) collected by the Bank of Spain's Credit Register (Central de Informacion de Riesgos). We find that collateralised loans have a higher PD, loans granted by savings banks are riskier and, finally, that a close bank borrower relationship increases the willingness to take more risk.

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Metadata

Authors
Jiménez, G., & Saurina, J.
Venue
Journal of Banking & Finance
Publisher
Elsevier BV
Published
2004-09
Volume
28
Issue
9
Pages
2191-2212
ISSN
0378-4266 (ISSN-L)
DOI
10.1016/j.jbankfin.2003.09.002
OpenAlex
W2121438156
Cited by
434
References
42
FWCI
12.70
Type
journal article
Language
en
Open access
green

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CoChat. (2026). Citation check: Collateral, type of lender and relationship banking as determinants of credit risk. https://app.cochat.ai/papers/10.1016/j.jbankfin.2003.09.002
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Jiménez, G., & Saurina, J. (2004). Collateral, type of lender and relationship banking as determinants of credit risk. Journal of Banking & Finance. https://doi.org/10.1016/j.jbankfin.2003.09.002

Data sources

Bibliographic data: Semantic Scholar, OpenAlex, Crossref.

Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).

Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.