English, Article, Journal or magazine article edition: The crisis as a wake-up call. Do banks tighten lending standards during a financial crisis? de Haas, Ralph; van Horen, Neeltje

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Bookmark: http://trove.nla.gov.au/version/212103
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • The crisis as a wake-up call. Do banks tighten lending standards during a financial crisis?
Author
  • de Haas, Ralph
  • van Horen, Neeltje
Physical Description
  • preprint
Notes
  • We examine whether the global financial crisis has prompted banks to tighten lending standards. By analyzing nearly 31,000 syndicated loans to private borrowers in 65 countries over the period 2005-2009, we find that banks not only cut lending during a crisis but also increase their screening and monitoring. Lending standards are tightened in particular for uncollateralized loans, loans to first-time borrowers, and financial-sector borrowers in developed countries. While in developed countries screening and monitoring increases less for loans to rated borrowers and for loans structured by well-known arrangers, we show that the attenuating impact of credit ratings and arranger reputation does not extend to emerging markets.
  • bank lending; financial crisis; asymmetric information; screening; monitoring; syndication
  • RePEc:pra:mprapa:14164
Language
  • English
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