Soft information and the geography of SME bank lending

Zhao, Tianshu, Luintel, Kul B. and Matthews, Kent 2020. Soft information and the geography of SME bank lending. Regional Studies 10.1080/00343404.2020.1851024 Item availability restricted.

	PDF - Accepted Post-Print Version Restricted to Repository staff only until 18 June 2022 due to copyright restrictions. Download (285kB)
	Archive (ZIP) - Supplemental Material Restricted to Repository staff only until 18 June 2022 due to copyright restrictions. Download (142kB)

Abstract

This paper explores the geography of bank lending to small and medium-sized enterprises (SMEs) and tests the argument that large institutions with complex organizational structures are better able to filter ‘hard’ information than ‘soft’ information. Mortgage lending is used as a control to illustrate the case of ‘hard’ and ‘soft’ information. Using data on individual bank lending to SMEs and mortgages by postcode area in Great Britain for the period 2013(2)–2014(4), the paper explains the spatial dispersion of SME lending in the UK in terms of geographical distance and supports the policy of establishing a geographically decentralized financial system as a counterbalance.

Item Type:	Article
Date Type:	Published Online
Status:	In Press
Schools:	Business (Including Economics)
Publisher:	Taylor & Francis
ISSN:	0034-3404
Date of First Compliant Deposit:	15 January 2021
Date of Acceptance:	27 October 2020
Last Modified:	15 Feb 2021 10:45
URI:	http://orca.cf.ac.uk/id/eprint/137302

Actions (repository staff only)

Edit Item