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Cited by 1,882

The DOI matches its Crossref record; 14 of the 14 references it cites were found in a registry or an index.

Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure

Berger, Allen N., Udell, Gregory F.·2002·The Economic Journal
DOI 10.1111/1468-0297.00682
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Abstract

This paper models the inner workings of relationship lending, the implications for bank organisational structure, and the effects of shocks to the economic environment on the availability of relationship credit to small businesses. Relationship lending depends on the accumulation over time by the loan officer of `soft' information. Because the loan officer is the repository of this soft information, agency problems are created throughout the organisation that may best be resolved by structuring the bank as a small, closely‐held organisation with few managerial layers. The shocks analysed include technological innovations, regulatory regime shifts, banking industry consolidation, and monetary policy shocks.

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Citations

Cites

Show all 14 references

Research works printed but not linked: 70

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Metadata

Authors
Berger, A. N., & Udell, G. F.
Venue
The Economic Journal
Publisher
Oxford University Press (OUP)
Published
2002-02-01
Volume
112
Issue
477
Pages
F32-F53
ISSN
  • 0013-0133 (ISSN-L)
  • 1468-0297
DOI
10.1111/1468-0297.00682
OpenAlex
W2111504671
Cited by
1,882
References
14
FWCI
48.63
Type
journal article
Language
en
Open access
closed
Licence
doi.wiley.com/10.1002/tdm_license_1.1 (tdm, 4960 d)

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CoChat. (2026). Citation check: Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure. https://app.cochat.ai/papers/10.1111/1468-0297.00682
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Berger, A. N., & Udell, G. F. (2002). Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure. The Economic Journal. https://doi.org/10.1111/1468-0297.00682

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