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XF-8YT824G-D
Research / Academic Paper ACTIVE

Distance, lending relationships, and competition

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Abstract

ABSTRACT We study the effect on loan conditions of geographical distance between firms, the lending bank, and all other banks in the vicinity. For our study, we employ detailed contract information from more than 15,000 bank loans to small firms comprising the entire loan portfolio of a large Belgian bank. We report the first comprehensive evidence on the occurrence of spatial price discrimination in bank lending. Loan rates decrease with the distance between the firm and the lending bank and increase with the distance between the firm and competing banks. Transportation costs cause the spatial price discrimination we observe.

Source: resolved

Document Metadata

Issuer
Wiley (Business Strategy and the Environment)
Document Type
Research / Academic Paper
Publication Year
2005
Retrieved
5 May 2026
Source
doi.org
Record ID
XF8YT824GD
Validation
Inferred by XFID

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SHA-256 (file bytes)
131c99adf3a1d0c6b99b6857abb7896e2c10c893f3657c3c2659af87710a680b
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131c99adf3a1d0c6b99b6857abb7896e2c10c893f3657c3c2659af87710a680b

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Topics

Bank LendingInformation Asymmetry

Cited by (1)

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Academic / report citation
Wiley (Business Strategy and the Environment) (2005). Distance, lending relationships, and competition. XFID: XF-8YT824G-D. Retrieved from https://xframework.id/XF8YT824GD
Identifier only
XF-8YT824G-D