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- W104687449 abstract "That there are limits to access to credit is widely accepted today as an important part of an economist’s description of the world. Yet very little is known about the determinants of access to credit: How is access to credit determined? How sensitive is it to the individual needs of the borrower? What characteristics of the borrower really count in the credit decision: Is it his net worth, the size of his business, his current cash flow or the predicted profitability of his business? The answer to this question has obvious and important implications: if current cash flow is what really matters, then the transitory shocks to cash flow will have persistent effects; if the long run profitability of the firm matters a lot, then capital will probably be less misallocated than, say, if lenders focussed on net worth of the borrower; if current size matters more than anything else, entry will be hard and big companies will come to dominate markets. Indeed, to take one step further, it is important to know the exact shapes of the relation between, say, net worth and credit. Banerjee (2001) argues that the case where the credit limit is proportional to net worth is very different from the case where those who are below a certain net worth threshold get no credit whatsoever—the first is much less likely to lead to a poverty trap than the second. ∗We thank Tata Consulting Services for their help in understanding the Indian banking Industry," @default.
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- W104687449 date "2001-01-01" @default.
- W104687449 modified "2023-10-07" @default.
- W104687449 title "The Nature of Credit Constraints: Evidence from an Indian Bank∗" @default.
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