Journal of Banking & Finance, March, 2013, Vol.37(3), p.927(10)
To link to full-text access for this article, visit this link: http://dx.doi.org/10.1016/j.jbankfin.2012.10.023 Byline: Andrea Moro (a), Matthias Fink (b)(c) Keywords: Credit access; Relationship lending; SMEs; Trust Abstract: a* Trust reduces agency costs and transaction costs in banking relationships. a* When loan managers rely on trust they can better evaluate firm's creditworthiness. a* Benefits can be passed onto the SMEs in the form of increased credit. a* Benefits can be passed onto the SMEs in the form of reduced credit constraints. a* SMEs managers should nurture trusting relationships. Author Affiliation: (a) University of Leicester School of Management, Institute of Finance, University Road, Leicester LE1 7RH, UK (b) WU Vienna University of Economics and Business, Institute for Small Business Management and Entrepreneurship, Augasse 2-6, A-1090 Vienna, Austria (c) Leuphana University Luneburg, Scharnhorststrasse 1, 21335 Luneburg, Germany Article History: Received 1 June 2012; Accepted 30 October 2012
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