Loan Officers and Relationship Lending to SMEs Hirofumi Uchida; Gregory F. Udell; Nobuyoshi Yamori

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Hirofumi Uchida ; Gregory F. Udell ; Nobuyoshi Yamori
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Journal of Financial Intermediation
Small and medium sized companies -- Analysis; Community banks -- Analysis; Bank loans -- Analysis
To link to full-text access for this article, visit this link: Byline: Hirofumi Uchida (a), Gregory F. Udell (b), Nobuyoshi Yamori (c) Keywords: Relationship lending; Small- and medium-sized enterprises; Soft information; Hierarchical organizations Abstract: Previous research suggests that loan officers may play a critical role in relationship lending by producing soft information about SMEs. For the first time, we analyze this hypothesis and find empirical evidence that indicates that loan officer activities are associated with bank production of soft information. We also find that loan officers at small banks produce more soft information than at large banks, but large banks appear to have the equivalent potential to underwrite relationship loans. Nevertheless, large banks choose instead to focus their resources on transactions lending. Author Affiliation: (a) Graduate School of Business Administration, Kobe University, Kobe, 657-8510 Hyogo, Japan (b) Kelley School of Business, Indiana University, Bloomington, IN 47405, United States (c) Graduate School of Economics, Nagoya University, Nagoya, 464-8601 Aichi, Japan Article History: Received 27 April 2009
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