Bank Consolidation and Soft Information Acquisition in Small Business Lending

Yoshiaki Ogura, Hirofumi Uchida

研究成果: Article査読

14 被引用数 (Scopus)

抄録

We empirically examine the impact of bank consolidation on bank acquisition of soft information about borrowers. Using a dataset of small business financing, we find that mergers of small banks have a negative impact on soft information acquisition, whereas mergers of large banks have no impact. We also find some evidence that an increase in organizational complexity upon a merger, rather than a post-merger cost-cut, is likely to cause a negative and significant impact on soft information acquisition by small banks. These findings are consistent with the organizational theory that predicts a comparative advantage of simple and flat organizations in acquiring and processing soft information.

本文言語English
ページ(範囲)173-200
ページ数28
ジャーナルJournal of Financial Services Research
45
2
DOI
出版ステータスPublished - 2014 4

ASJC Scopus subject areas

  • 会計
  • 財務
  • 経済学、計量経済学

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