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Soft information and the geography of SME bank lending

Zhao, Tianshu, Luintel, Kul B. and Matthews, Kent 2021. Soft information and the geography of SME bank lending. Regional Studies 55 (4) , pp. 679-692. 10.1080/00343404.2020.1851024

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Abstract

This paper explores the geography of bank lending to small and medium-sized enterprises (SMEs) and tests the argument that large institutions with complex organizational structures are better able to filter ‘hard’ information than ‘soft’ information. Mortgage lending is used as a control to illustrate the case of ‘hard’ and ‘soft’ information. Using data on individual bank lending to SMEs and mortgages by postcode area in Great Britain for the period 2013(2)–2014(4), the paper explains the spatial dispersion of SME lending in the UK in terms of geographical distance and supports the policy of establishing a geographically decentralized financial system as a counterbalance.

Item Type: Article
Date Type: Publication
Status: Published
Schools: Business (Including Economics)
Publisher: Taylor & Francis
ISSN: 0034-3404
Date of First Compliant Deposit: 15 January 2021
Date of Acceptance: 27 October 2020
Last Modified: 22 Jun 2022 06:39
URI: https://orca.cardiff.ac.uk/id/eprint/137302

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