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- W2068012609 abstract "This study analyzes the role of personal guarantees and collateral in the context of two different lending structures: one transaction and the other relationship based. The Finnish bank data, which were uniquely accessible for the study, enabled an exploration of credit files with specific details of the characteristics of the lending relationship during the period 1995–2001. According to the empirical results, the use of personal guarantees is an indication of transaction-based lending. Personal guarantees seem to increase the loan premium in transaction-based loans more than in relationship-based loans. Close ties between a bank and a firm seem to be a desirable basis for small and medium-sized enterprise bank lending." @default.
- W2068012609 created "2016-06-24" @default.
- W2068012609 creator A5041761455 @default.
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- W2068012609 date "2013-03-18" @default.
- W2068012609 modified "2023-10-06" @default.
- W2068012609 title "Personal Guarantees, Loan Pricing, and Lending Structure in Finnish Small Business Loans" @default.
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- W2068012609 doi "https://doi.org/10.1111/jsbm.12015" @default.
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