The DOI matches its Crossref record; 2 of the 2 references it cites were found in a registry or an index.
The importance of relationships to the availability of credit
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In the citing paper
“Using the 1993 NSSBF, it was found that the existence of a relationship between the small business and the bank raised the probability that credit would be extended (Cole, 1998).”
From The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle (1998) · cites this paper as Cole, 1998
In the citing paper
“Cole also found that the breadth of the relationship was quite important ± credit was particularly likely to be extended if the ®rm also obtained savings account and ®nancial management services from the same bank.”
From The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle (1998) · cites this paper as Cole, 1998
Citations
Cites
Credit Rationing in Markets with Imperfect Information
Stiglitz, J. E., & Weiss, A. (1981) · Columbia University · doi:10.7916/d8v12ft1 · Cited by 12,769
Financial intermediation and delegated monitoring
Diamond, D. W. (1984) · The Review of Economic Studies · doi:10.2307/2297430 · Cited by 8,476
Research works printed but not linked: 20
- Angelini, P., Di Salvo, R., Ferri, G., 1998. Availability and cost of credit for small businesses: Customer relationships and credit cooperatives. Journal of Banking and Finance 22, 925–954, this issue · DOI · Paper page
- Berger, 1995, Relationship lending and lines of credit in small firm finance, Journal of Business, 68, 351, 10.1086/296668 · DOI
- Billett, 1995, The effect of lender identify on a borrowing firm's equity return, Journal of Finance, 50, 699, 10.2307/2329425 · DOI
- Bulow, 1978, The bankruptcy decision, Bell Journal of Economics, 9, 437, 10.2307/3003592 · DOI
- Cole, 1995, Sources and uses of financial services by small businesses: Evidence from the 1993 National Survey of Small-Business Finances, Federal Reserve Bulletin, 81, 629
- Diamond, 1989, Reputation acquisition in debt markets, Journal of Political Economy, 97, 828, 10.1086/261630 · DOI
- Diamond, 1991, Monitoring and reputation: The choice between bank loans and directly placed debt, Journal of Political Economy, 99, 688, 10.1086/261775 · DOI · Paper page
- Duca, 1993, Borrowing constraints household debt and racial discrimination in loan markets, Journal of Financial Intermediation, 3, 77, 10.1006/jfin.1993.1003 · DOI
- Elliehausen, 1990, Banking markets and the use of financial services by small and medium-sized businesses, Federal Reserve Bulletin, 76, 801
- Fama, 1985, What's different about banks?, Journal of Monetary Economics, 15, 29, 10.1016/0304-3932(85)90051-0 · DOI
- Hoshi, 1990, The role of banks in reducing the costs of financial distress in Japan, Journal of Financial Economics, 27, 67, 10.1016/0304-405X(90)90021-Q · DOI · Paper page
- James, 1987, Some evidence on the uniqueness of bank loans, Journal of Financial Economics, 19, 217, 10.1016/0304-405X(87)90003-1 · DOI · Paper page
- James, 1990, Borrowing relationships, intermediation, and the cost of issuing public securities, Journal of Financial Economics, 28, 149, 10.1016/0304-405X(90)90051-Z · DOI
- Leland, 1977, Informational asymmetries, financial structure, and financial intermediaries, Journal of Finance, 32, 371, 10.2307/2326770 · DOI
- Lummer, 1989, Further evidence on the bank lending process and the capital market response to bank loan agreements, Journal of Financial Economics, 25, 99, 10.1016/0304-405X(89)90098-6 · DOI · Paper page
- Maddala, G.S., 1983. Limited Dependent and Qualitative Variables in Econometrics, Cambridge University Press, Cambridge · DOI
- Petersen, 1994, The benefits of lending relationships: Evidence from small businesses, Journal of Finance, 49, 3, 10.2307/2329133 · DOI
- Petersen, 1995, The effect of credit market competition on lending relationships, Quarterly Review of Economics, 110, 407
- Rajan, 1992, Insiders and outsiders: The choice between informed and arms length debt, Journal of Finance, 47, 1367, 10.2307/2328944 · DOI
- Slovin, 1993, The value of bank durability: Borrowers as bank stakeholders, Journal of Finance, 48, 247, 10.2307/2328888 · DOI
Cited by
Sorted by citations
N. Berger, A., & F. Udell, G. (1998) · Journal of Banking & Finance · doi:10.1016/s0378-4266(98)00038-7 · Cited by 3,690
“Using the 1993 NSSBF, it was found that the existence of a relationship between the small business and the bank raised the probability that credit would be extended (Cole 1998).”
Entrepreneurship and bank credit availability
Black, S. E., & Strahan, P. E. (2002) · The Journal of Finance · doi:10.1111/1540-6261.00513 · Cited by 1,140
Loan Officer Turnover and Credit Availability for Small Firms
Scott, J. A. (2006) · Journal of Small Business Management · doi:10.1111/j.1540-627x.2006.00186.x · Cited by 95
The importance of individual-pair lending relationships
Even-Tov, O., Li, X., Wang, H., & Williams, C. (2024) · Review of Accounting Studies · doi:10.1007/s11142-023-09782-9 · Cited by 15
Metadata
- Authors
- Cole, R. A.
- Corresponding author
- Cole, Rebel A.
- ORCID
- Cole, Rebel A.
- Venue
- Journal of Banking & Finance
- Publisher
- Elsevier BV
- Published
- 1998-08
- Volume
- 22
- Issue
- 6-8
- Pages
- 959-977
- ISSN
- 0378-4266 (ISSN-L)
- OpenAlex
- W2096708057
- Cited by
- 849
- References
- 2
- Citations by year
- 2026: 17 · 2025: 15 · 2024: 21 · 2023: 25 · 2022: 22 · 2021: 39 · 2020: 30 · 2019: 24 · 2018: 33 · 2017: 40 · 2016: 37 · 2015: 35 · 2014: 45 · 2013: 39 · 2012: 46
- FWCI
- 36.32
- Type
- journal article
- Language
- en
- Open access
- green
- papers.ssrn.com
- Locations
- Journal of Banking & Finance (publishedVersion)
- SSRN Electronic Journal (submittedVersion)
- RePEc: Research Papers in Economics (submittedVersion)
- Topics
- Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
- Social Sciences › Economics, Econometrics and Finance › Finance › Corporate Finance and Governance
- Social Sciences › Business, Management and Accounting › Accounting › Working Capital and Financial Performance
- Keywords
- bank-firm relationships, access to credit, lending, financial intermediation, private information, relationship banking
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