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Cited by 3,636

The DOI matches its Crossref record; 8 of the 8 references it cites were found in a registry or an index.

Relationship Lending and Lines of Credit in Small Firm Finance

Berger, Allen N., Udell, Gregory F.·1995·The Journal of Business
DOI 10.1086/296668
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Abstract

This article examines the role of relationship lending in small firm finance. It examines price and nonprice terms of bank lines of credit (L/Cs) extended to small firms. The focus on LICs allows the examination of a type of loan contract in which the hank- borrower relationship is likely to be an important mechanism for solving the asymmetric information problems associated with financing small enterprises. We find that borrowers with longer banking relationships pay lower interest rates and are less likely to pledge collateral.These results are consistent with theoretical arguments that relationship lending generates valuable information about borrower quality.

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Metadata

Authors
Berger, A. N., & Udell, G. F.
Venue
The Journal of Business
Publisher
University of Chicago Press
Published
1995-01
Volume
68
Issue
3
Pages
351
ISSN
  • 0021-9398 (ISSN-L)
  • 1537-5374
DOI
10.1086/296668
OpenAlex
W2051152277
Cited by
3,636
References
8
FWCI
45.55
Type
journal article
Language
en
Open access
closed

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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.