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Bank size, relationship lending and SME financing: Evidence from Bangladesh

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dc.title Bank size, relationship lending and SME financing: Evidence from Bangladesh en
dc.contributor.author Rahman, Ashiqur
dc.contributor.author Rahman, Twyeafur M.
dc.contributor.author Ključnikov, Aleksandr
dc.relation.ispartof Actual Problems of Economics
dc.identifier.issn 1993-6788 OCLC, Ulrich, Sherpa/RoMEO, JCR
dc.date.issued 2016
utb.relation.volume 183
utb.relation.issue 9
dc.citation.spage 294
dc.citation.epage 307
dc.type article
dc.language.iso en
dc.publisher National Academy of Management
dc.subject Bangladesh en
dc.subject Collateral en
dc.subject Large banks en
dc.subject Long-term relationship en
dc.subject Mall and medium enterprises en
dc.subject Small banks en
dc.description.abstract This paper examines the effect of bank size on relationship lending and how relationship lending can affect credit availability, interest rates and collateral to SMEs in the context of Bangladesh. Our empirical results suggest that SMEs with a long-term relationship with small banks have more access to finance than from large banks. However, we did not find any evidence that long-term relationship with small banks can reduce interest rates or collateral requirements for SMEs. We find evidence though that a stronger and much more exclusive relationship with a small bank can reduce the interest rates for SMEs. This mixed evidence suggests that small banks do not have full comparative advantage in processing soft information, but large banks in Bangladesh may have different lending techniques to extend loans to SMEs with similar interest rates and collateral requirements as like as small banks. Furthermore, we find evidence that small banks are giving priority to both long-term relationship and collateral requirement for SME credit risk than large banks. © Ashiqur Rahman, M. Twyeafur Rahman, Aleksandr Kljucnikov, 2016. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1006758
utb.identifier.obdid 43875007
utb.identifier.scopus 2-s2.0-84987788890
utb.source j-scopus
dc.date.accessioned 2016-12-22T16:19:06Z
dc.date.available 2016-12-22T16:19:06Z
dc.rights Attribution 2.0 Generic
dc.rights.uri http://creativecommons.org/licenses/by/2.0/
dc.rights.access openAccess
utb.contributor.internalauthor Rahman, Ashiqur
utb.fulltext.affiliation Ashiqur Rahman 1 , M. Twyeafur Rahman 2 , Aleksandr Kljucnikov 3 1 Tomas Bata University in Zlin, Czech Republic. 2 Strathclyde Business School, University of Strathclyde, Glasgow, United Kingdom. 3 Pan-European University in Bratislava, Slovak Republic.
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