Loan Officer Reliance on Hard Information: Empirical Investigation on the Role of Banking Competition
Mercredi | 2013-03-06 B103 Abdellah BOUCHELLAL Using a unique data set of credit file retrieved from one of the three major French banks, we investigate whether banking competition affects the loan officer production of particular form of information considering the whole of bank-firm relationship framework. Our data set allows us to introduce direct measure of hard and soft information used by loan officer during the credit underwriting process, as well as the other sources of bank revenues from its relationship […]