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Contribution Details
| Type | Journal Article |
| Scope | Discipline-based scholarship |
| Title | Close competitors? Bilateral bank competition and spatial variation in firms’ access to credit |
| Organization Unit | |
| Authors |
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| Item Subtype | Original Work |
| Refereed | Yes |
| Status | Published in final form |
| Language |
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| Journal Title | Journal of Economic Geography |
| Publisher | Oxford University Press |
| Geographical Reach | international |
| ISSN | 1468-2702 |
| Volume | 23 |
| Number | 6 |
| Page Range | 1237 - 1271 |
| Date | 2023 |
| Abstract Text | We interviewed 379 bank CEOs in 20 emerging markets to identify their banks’ main competitors. We show that banks are more likely to identify another bank as a main competitor in small-business lending when both banks are foreign owned or relationship oriented; when there exists a large spatial overlap in their branch networks and when the potential competitor has fewer hierarchical layers. We then construct a novel bilateral competition measure at the locality level and assess how well it explains geographic variation in firms’ credit constraints. We show that intense bilateral bank competition tightens local credit constraints, especially for small firms, as competition may impede the formation of lending relationships. |
| Digital Object Identifier | 10.1093/jeg/lbad020 |
| Other Identification Number | merlin-id:24198 |
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| Keywords | Bilateral bank competition, Geography of banking, Small-business lending |