DOES BANK TECHNOLOGY AFFECT SMALL BUSINESS LENDING DECISIONS?
DOES BANK TECHNOLOGY AFFECT SMALL BUSINESS LENDING DECISIONS?
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DOI：
10.1111/jfir.12116
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发表时间：
2017-03-01
影响因子：
3.5
通讯作者：
Sedunov, John
中科院分区：
文献类型：
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作者：
Sedunov, John
我研究了技术对软信息贷款的影响，并解决了银行文献中关于量化银行技术的问题。我发现，银行从事较少的软信息贷款时，后台银行技术更有成效，银行从事较少的软信息贷款时，他们自己的互动网络技术。我发现竞争、贷款决策和银行规模是技术发展的主要驱动力。我表明，这些结果是稳健的计量经济学检验，占endoeconomy，银行的规模的另一种定义，并列入贷款组合控制。
I examine the effect that technology has on soft-information lending and address issues within the banking literature on quantifying bank technology. I find that banks engage in less soft-information lending when back-office bank technology is more productive and that banks engage in less soft-information lending when they own interactive web technology. I find that competition, lending decisions, and bank size are the primary drivers of technological development. I show that these results are robust to econometric tests that account for endogeneity, to an alternative definition of the bank's size, and to the inclusion of lending portfolio controls.