Relationship banking and regional SME financing: the case of Wales

Degryse, Hans, Matthews, Kent ORCID: https://orcid.org/0000-0001-6968-3098 and Zhao, Tianshu 2017. Relationship banking and regional SME financing: the case of Wales. International Journal of Banking, Accounting and Finance 8 (1) , pp. 93-117. 10.1504/IJBAAF.2017.085324

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Abstract

Regional disparities in credit availability across the UK have been highlighted in a series of studies as a factor affecting both new firm starts and small firm growth prospects. This paper suggests that relationship banking might be an important means of attenuating differences in credit availability. The paper focuses on the value of relationship banking to SMEs in Wales in the period following the global banking crisis. The results show that SMEs that had developed a customer-loan relationship with their banks had a lower probability of experiencing a worsened credit outcome than those that did not. The implications of the findings for regional finance provision are discussed.

Item Type:	Article
Date Type:	Publication
Status:	Published
Schools:	Business (Including Economics)
Publisher:	Inderscience
ISSN:	1755-3849
Last Modified:	24 Oct 2022 07:37
URI:	https://orca.cardiff.ac.uk/id/eprint/115440

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