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Distances and Small Business Credit Constraints: the French case

Djedidi-Kooli, Salima (2010-12), Distances and Small Business Credit Constraints: the French case, AFFI 8th - International Finance Meeting,, 2010-12, Paris, France

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Djedidi_2010_1115.pdf (699.0Kb)
Type
Communication / Conférence
Date
2010-12
Conference title
AFFI 8th - International Finance Meeting,
Conference date
2010-12
Conference city
Paris
Conference country
France
Pages
26
Metadata
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Author(s)
Djedidi-Kooli, Salima
Abstract (EN)
Deregulation and progress in information and communication technologies have increased the geographical expansion of banking structures and instruments. This makes banks operationally close to the borrowers. At the same time, banking industry consolidation have induced a geographical concentration of banking decision centers and strategic functions, leading to an increase of the functional distance that separates the decision center of a bank from its operational branches. The aim of this paper is to evaluate the impact of these two trends on SME lending. Our findings on French data show that increased functional distance and operational proximity are positively associated with the investment-cash flow sensitivity, considered as a measure of financing constraints. These adverse effects are particularly acute for small firms.
Subjects / Keywords
Operational proximity; Investment-cash flow sensitivity; Financing constraints; SME lending; Functional distance
JEL
G21 - Banks; Depository Institutions; Micro Finance Institutions; Mortgages
G34 - Mergers; Acquisitions; Restructuring; Corporate Governance
R51 - Finance in Urban and Rural Economies

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