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Communication within banking organizations and small business lending

Author: Ross Levine; Chen Lin, (Finance professor); Qilin Peng; Wensi Xie; National Bureau of Economic Research,
Publisher: Cambridge, Mass. : National Bureau of Economic Research, 2019.
Series: Working paper series (National Bureau of Economic Research), no. 25872.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
We investigate how communication within banks affects small business lending. Using travel time between a bank's headquarters and its branches to proxy for the costs of communicating soft information, we exploit shocks to these travel times to evaluate the impact of within bank communication costs on small business loans. Consistent with Stein's (2002) model of the transmission of soft information across a bank's  Read more...
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Details

Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Ross Levine; Chen Lin, (Finance professor); Qilin Peng; Wensi Xie; National Bureau of Economic Research,
OCLC Number: 1102648801
Notes: "May 2019"
Description: 1 online resource (36 pages).
Series Title: Working paper series (National Bureau of Economic Research), no. 25872.
Responsibility: Ross Levine, Chen Lin, Qilin Peng, Wensi Xie.

Abstract:

We investigate how communication within banks affects small business lending. Using travel time between a bank's headquarters and its branches to proxy for the costs of communicating soft information, we exploit shocks to these travel times to evaluate the impact of within bank communication costs on small business loans. Consistent with Stein's (2002) model of the transmission of soft information across a bank's hierarchies, we find that reducing headquarters-branch travel time boosts small business lending in the branch’s county. Several extensions suggest that new airline routes facilitate the transmission of soft information, boosting small firm lending.

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