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- W3122459205 abstract "To sustain growth in an aging economy, it is important to ease the financing of small firms by bank loans. Using bank internal data of small business loans in Germany, we examine the determinants of loan rates in the period 1995-2010. Beyond characteristics of the firm, the loan contract, and the lending relationship, demographic aspects matter. However, collateral and relationship lending play a larger role in loan pricing than the entrepreneur's age. Banks do not seem to discriminate older borrowers by higher loan rates. We rather find statistical discrimination of younger borrowers because of their lower wealth. Single entrepreneurs obtain cheaper loans than married ones. Firms in peripheral regions with low population density are disadvantaged by higher loan rates compared to those in agglomerated regions." @default.
- W3122459205 created "2021-02-01" @default.
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- W3122459205 date "2014-01-01" @default.
- W3122459205 modified "2023-09-27" @default.
- W3122459205 title "The role of demographics in small business loan pricing" @default.
- W3122459205 hasPublicationYear "2014" @default.
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