... residents who hold foreign citizenship or who were born outside Germany, are significantly more likely to be denied credit or to be awarded smaller loans than requested than are native entrepreneurs. However, the underlying reasons for this effect may be differences in risk factors and financial...

...Marc Cowling; Paul Westhead Uses survey data to examine the nature of bank lending decisions at the local branch and regional office level. In doing so considers which firm and loan characteristics explicitly affect the nature of the lending contract. The results show the smallest firms, whose...

... in the UK. Considers policy implications for risk assessment and small firms/banking relationships. We report the important findings before considering policy implications. © MCB UP Limited 1995 Banks Financing Financial risk Financial services Loans Small firms Banks...