Credit spread determinants. How loan officer seniority matters (notice n° 486645)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 01705cam a2200301 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250121072442.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Dupire, Marion |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | Credit spread determinants. How loan officer seniority matters |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2021.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 47 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | This paper investigates how the level of seniority of loan officers within the bank interacts with bank–firm relationship and business climate to shape credit spreads. Based on unique hand-collected data on loan applications from SMEs to a French cooperative bank between 1998 and 2009, the study suggests that 1) senior loan officers charge higher interest rates than less senior officers when the bank–firm relationship is stronger; 2a) during economic downturns, senior loan officers tend to increase more the credit rate than less senior loan officers, as they have a better perception of market power; while 2b) they tend to moderate their pricing policy when the business cycle is booming to keep their clients. Overall, our study highlights the crucial role of loan officer seniority in understanding bank credit rates. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | banks |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | small business |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | credit spreads |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | loan officers |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | relationship lending |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | banks |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | small business |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | credit spreads |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | loan officers |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | relationship lending |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Lobez, Frédéric |
| Relator term | author |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Statnik, Jean-Christophe |
| Relator term | author |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Finance | 42 | 3 | 2021-11-16 | p. 139-179 | 0752-6180 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/journal-finance-2021-3-page-139?lang=en&redirect-ssocas=7080">https://shs.cairn.info/journal-finance-2021-3-page-139?lang=en&redirect-ssocas=7080</a> |
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