NDLI: Does Innovation Affect Credit Access? New Empirical Evidence from Italian Small Business Lending

Content Provider	Semantic Scholar
Author	Bellucci, Andrea Favaretto, Ilario Giombini, Germana
Copyright Year	2014
Abstract	In this paper we analyze the access to credit of innovative firms on the price and non-price dimensions of bank lending. Using information from two datasets, we use a propensity score matching procedure to estimate the impact of the innovative nature of firms on: (a) loan interest rates; (b) the probability of having to post collateral; and (c) the probability of overdrawing. Our analysis reveals that banks trade off higher interest rates and lower collateral requirements for firms involved in innovative processes. Further, innovative firms have a lower probability of being credit rationed than their non-innovative peers.
File Format	PDF HTM / HTML
Alternate Webpage(s)	http://www.iaw.edu/tl_files/dokumente/iaw_dp_104.pdf
Alternate Webpage(s)	https://www.econstor.eu/bitstream/10419/107650/1/799360937.pdf
Alternate Webpage(s)	http://www.iaw.edu/RePEc/iaw/pdf/iaw_dp_104.pdf
Language	English
Access Restriction	Open
Content Type	Text
Resource Type	Article

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