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- Title
Bank Ownership and Lending Behaviours: The Relevance of Community Links.
- Authors
Teckchandani, Atul
- Abstract
Asset size does not seem to be a good predictor of bank lending behaviours. An overlooked determinant of lending may be the relationship a bank has with its local community. This article suggests that US banks owned and headquartered in a community are typically central actors in local business networks, and bank executives are intimately connected to their communities. As a result, lending decisions made by banks headquartered in the community often become influenced by the social relations and social networks of bank executives.
- Subjects
BANK loans; BANKING research; BANKING industry; BANKERS; SOCIAL network research; ATTITUDE (Psychology)
- Publication
Economic Affairs, 2016, Vol 36, Issue 2, p168
- ISSN
0265-0665
- Publication type
Article
- DOI
10.1111/ecaf.12171