{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,10,21]],"date-time":"2025-10-21T03:20:10Z","timestamp":1761016810478},"publisher-location":"Boston, MA","reference-count":63,"publisher":"Springer US","isbn-type":[{"type":"print","value":"9780387980775"},{"type":"electronic","value":"9780387980782"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2009]]},"DOI":"10.1007\/978-0-387-98078-2_4","type":"book-chapter","created":{"date-parts":[[2009,5,12]],"date-time":"2009-05-12T01:16:37Z","timestamp":1242090997000},"page":"57-74","source":"Crossref","is-referenced-by-count":12,"title":["Distance, Bank Organizational Structure, and Lending Decisions"],"prefix":"10.1007","author":[{"given":"Geraldo","family":"Cerqueiro","sequence":"first","affiliation":[]},{"given":"Hans","family":"Degryse","sequence":"additional","affiliation":[]},{"given":"Steven","family":"Ongena","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2009,4,30]]},"reference":[{"key":"4_CR1","volume-title":"Distance and information asymmetries in lending decisions","author":"S Agarwal","year":"2006","unstructured":"Agarwal S, Hauswald R (2006) Distance and information asymmetries in lending decisions. American University, Washington, DC"},{"issue":"1","key":"4_CR2","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1086\/262063","volume":"105","author":"P Aghion","year":"1997","unstructured":"Aghion P, Tirole J (1997) Formal and real authority in organizations. The Journal of Political Economy 105(1):1\u201329","journal-title":"The Journal of Political Economy"},{"issue":"1","key":"4_CR3","doi-asserted-by":"publisher","first-page":"87","DOI":"10.1006\/jfin.2001.0327","volume":"11","author":"A. Almazan","year":"2002","unstructured":"Almazan A. (2002) A model of competition in banking: Bank capital versus expertise. Journal of Financial Intermediation 11(1):87\u2013121","journal-title":"Journal of Financial Intermediation"},{"key":"4_CR4","doi-asserted-by":"publisher","first-page":"699","DOI":"10.1016\/j.jbankfin.2007.05.008","volume":"32","author":"P Alessandrini","year":"2008","unstructured":"Alessandrini P, Calcagnini G, Zazzaro A (2008) Asset restructuring strategies in bank acquisitions: Does distance between dealing partners matter? Journal of Banking and Finance 32:699\u2013713","journal-title":"Journal of Banking and Finance"},{"issue":"4","key":"4_CR5","doi-asserted-by":"publisher","first-page":"1137","DOI":"10.2307\/2118383","volume":"107","author":"G S Becker","year":"1992","unstructured":"Becker G S, Murphy KM (1992) The division of labor, coordination costs, and knowledge. The Quarterly Journal of Economics 107(4):1137\u20131160","journal-title":"The Quarterly Journal of Economics"},{"key":"4_CR6","doi-asserted-by":"publisher","first-page":"351","DOI":"10.1086\/296668","volume":"68","author":"AN Berger","year":"1995","unstructured":"Berger AN, Udell GF (1995) Relationship lending and lines of credit in small firm finance. Journal of Business 68:351\u2013381","journal-title":"Journal of Business"},{"key":"4_CR7","volume-title":"Financial system design: The case for universal banking","author":"AN Berger","year":"1996","unstructured":"Berger AN, Udell GF (1996) Universal banking and the future of small business lending. In: Ingo W (ed) Financial system design: The case for universal banking. Irwin Publishing, Homewood IL"},{"key":"4_CR8","doi-asserted-by":"publisher","first-page":"613","DOI":"10.1016\/S0378-4266(98)00038-7","volume":"22","author":"AN Berger","year":"1998","unstructured":"Berger AN, Udell GF (1998) The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle. Journal of Banking and Finance 22:613\u2013673","journal-title":"Journal of Banking and Finance"},{"issue":"477","key":"4_CR9","doi-asserted-by":"publisher","first-page":"32","DOI":"10.1111\/1468-0297.00682","volume":"112","author":"AN Berger","year":"2002","unstructured":"Berger AN, Udell GF (2002) Small business credit availability and relationship lending: The importance of bank organisational structure. Economic Journal 112(477):32\u201353","journal-title":"Economic Journal"},{"key":"4_CR10","doi-asserted-by":"publisher","first-page":"135","DOI":"10.1016\/S0378-4266(98)00125-3","volume":"23","author":"AN Berger","year":"1999","unstructured":"Berger AN, Demsetz R, Strahan P (1999) The consolidation of the financial services industry: Causes, consequences, and implications for the future. Journal of Banking and Finance 23:135\u2013194","journal-title":"Journal of Banking and Finance"},{"key":"4_CR11","doi-asserted-by":"publisher","first-page":"237","DOI":"10.1016\/j.jfineco.2004.06.003","volume":"76","author":"AN Berger","year":"2005","unstructured":"Berger AN, Miller NM, Petersen MA, Rajan RG, Stein JC (2005) Does function follow organizational form? Evidence from the lending practices of large and small banks. Journal of Financial Economics 76:237\u2013269","journal-title":"Journal of Financial Economics"},{"key":"4_CR12","doi-asserted-by":"publisher","first-page":"671","DOI":"10.2307\/2526573","volume":"28","author":"D Besanko","year":"1987","unstructured":"Besanko D, Thakor AV (1987) Collateral and rationing: Sorting equilibria in monopolistic and competitive credit markets. International Economic Review 28:671\u2013689","journal-title":"International Economic Review"},{"issue":"4","key":"4_CR13","first-page":"850","volume":"75","author":"H Bester","year":"1985","unstructured":"Bester H (1985) Screening vs. rationing in credit markets with imperfect information. The American Economic Review 75(4):850\u2013855","journal-title":"The American Economic Review"},{"issue":"6","key":"4_CR14","doi-asserted-by":"publisher","first-page":"2807","DOI":"10.1111\/1540-6261.00513","volume":"57","author":"SE Black","year":"2002","unstructured":"Black SE, Strahan PE (2002). Entrepreneurship and bank credit availability. Journal of Finance 57(6):2807\u20132834","journal-title":"Journal of Finance"},{"issue":"4","key":"4_CR15","doi-asserted-by":"publisher","first-page":"809","DOI":"10.2307\/2118349","volume":"109","author":"P Bolton","year":"1994","unstructured":"Bolton P, Dewatripont M (1994) The firm as a communication network. The Quarterly Journal of Economics 109(4):809\u2013839","journal-title":"The Quarterly Journal of Economics"},{"issue":"1","key":"4_CR16","doi-asserted-by":"publisher","first-page":"3","DOI":"10.1006\/jfin.2000.0282","volume":"9","author":"AWA Boot","year":"2000","unstructured":"Boot AWA (2000). Relationship banking: what do we know? Journal of Financial Intermediation 9(1):3\u201325","journal-title":"Journal of Financial Intermediation"},{"key":"4_CR17","doi-asserted-by":"publisher","first-page":"605","DOI":"10.1016\/0378-4266(91)90088-4","volume":"15","author":"AWA Boot","year":"1991","unstructured":"Boot AWA, Thakor A, Udell GF (1991) Credible commitments, contract enforcement problems and banks: Intermediation as credible insurance. Journal of Banking and Finance 15:605\u2013632","journal-title":"Journal of Banking and Finance"},{"issue":"2","key":"4_CR18","doi-asserted-by":"publisher","first-page":"429","DOI":"10.2307\/2938210","volume":"58","author":"T Broecker","year":"1990","unstructured":"Broecker T (1990) Credit-worthiness tests and interbank competition. Econometrica 58(2):429\u2013452","journal-title":"Econometrica"},{"key":"4_CR19","doi-asserted-by":"publisher","first-page":"39","DOI":"10.1016\/j.jeconbus.2004.07.002","volume":"57","author":"K Carling","year":"2005","unstructured":"Carling K, Lundberg S (2005) Asymmetric information and distance: An empirical assessment of geographical credit rationing. Journal of Economics and Business 57:39\u201359","journal-title":"Journal of Economics and Business"},{"key":"4_CR20","unstructured":"Casolaro L, Mistrulli PE (2007) Distance, organizational structure and loan rates. Bank of Italy, Rome"},{"key":"4_CR21","doi-asserted-by":"crossref","unstructured":"Cerqueiro GH, Degryse A, Ongena S (2007) Rules versus discretion in loan rate setting. CentER-Tilburg University.","DOI":"10.2139\/ssrn.965447"},{"key":"4_CR22","doi-asserted-by":"publisher","first-page":"86","DOI":"10.1016\/j.jfi.2005.07.002","volume":"15","author":"A Chakraborty","year":"2006","unstructured":"Chakraborty A, Hu CX (2006) Lending relationships in line-of-credit and nonline-of-credit loans: Evidence from collateral use in small business. Journal of Financial Intermediation 15:86\u2013107","journal-title":"Journal of Financial Intermediation"},{"issue":"1","key":"4_CR23","doi-asserted-by":"publisher","first-page":"84","DOI":"10.2307\/1992508","volume":"17","author":"Y-S Chan","year":"1985","unstructured":"Chan Y-S, Kanatas G (1985) Asymmetric valuations and the role of collateral in loan agreements. Journal of Money, Credit and Banking 17(1):84\u201395","journal-title":"Journal of Money, Credit and Banking"},{"issue":"5","key":"4_CR24","doi-asserted-by":"publisher","first-page":"889","DOI":"10.1016\/0014-2921(94)00016-S","volume":"39","author":"PA Chiappori","year":"1995","unstructured":"Chiappori PA, Perez-Castrillo D, Verdier R (1995) Spatial competition in the banking system: Localization, cross subsidies and the regulation of deposit rates. European Economic Review 39(5):889\u2013918","journal-title":"European Economic Review"},{"issue":"2","key":"4_CR25","doi-asserted-by":"publisher","first-page":"227","DOI":"10.1017\/S0022109000003057","volume":"39","author":"RA Cole","year":"2004","unstructured":"Cole RA, Goldberg LG, White LJ (2004) Cookie-cutter versus character: The micro structure of small business lending by large and small banks. Journal of Financial and Quantitative Analysis 39(2):227\u2013252","journal-title":"Journal of Financial and Quantitative Analysis"},{"issue":"11","key":"4_CR26","first-page":"983","volume":"182","author":"RA Cole","year":"1996","unstructured":"Cole RA, Wolken JD, Woodburn RL (1996) Bank and nonbank competition for small business credit: Evidence from the 1987 and 1993 national surveys of small business finances. Federal Reserve Bulletin (Nov) 182(11):983\u2013995","journal-title":"Federal Reserve Bulletin (Nov)"},{"issue":"1","key":"4_CR27","doi-asserted-by":"publisher","first-page":"373","DOI":"10.1162\/qjec.122.1.373","volume":"122","author":"J Cr\u00e9mer","year":"2007","unstructured":"Cr\u00e9mer J, Garicano L, Prat A (2007) Language and the theory of the firm. The Quarterly Journal of Economics 122(1):373\u2013407","journal-title":"The Quarterly Journal of Economics"},{"issue":"1","key":"4_CR28","doi-asserted-by":"publisher","first-page":"231","DOI":"10.1111\/j.1540-6261.2005.00729.x","volume":"60","author":"H Degryse","year":"2005","unstructured":"Degryse H, Ongena S (2005) Distance, lending relationships, and competition. Journal of Finance 60(1):231\u2013266","journal-title":"Journal of Finance"},{"issue":"1","key":"4_CR29","doi-asserted-by":"publisher","first-page":"90","DOI":"10.1006\/jfin.1999.0278","volume":"9","author":"H Degryse","year":"2000","unstructured":"Degryse H, Van Cayseele P (2000) Relationship lending within a bank-based system: Evidence from European small business data. Journal of Financial Intermediation 9(1):90\u2013109","journal-title":"Journal of Financial Intermediation"},{"key":"4_CR30","unstructured":"Degryse H, Laeven L, Ongena S (forthcoming) The impact of organizational structure and lending technology on banking competition. Review of Finance"},{"issue":"2","key":"4_CR31","doi-asserted-by":"publisher","first-page":"463","DOI":"10.1016\/S0378-4266(98)00086-7","volume":"23","author":"R DeYoung","year":"1999","unstructured":"DeYoung R, Goldberg LG, White LJ (1999) Youth, adolescence, and maturity of banks: Credit availability to small business in an era of banking consolidation. Journal of Banking and Finance 23(2):463\u2013492","journal-title":"Journal of Banking and Finance"},{"key":"4_CR32","volume-title":"Microeconomics of banking","author":"X Freixas","year":"1997","unstructured":"Freixas X, Rochet JC (1997) Microeconomics of banking. MIT Press, Cambridge, MA"},{"issue":"5","key":"4_CR33","doi-asserted-by":"publisher","first-page":"874","DOI":"10.1086\/317671","volume":"108","author":"L Garicano","year":"2000","unstructured":"Garicano L (2000) Hierarchies and the organization of knowledge in production. The Journal of Political Economy 108(5):874\u2013904","journal-title":"The Journal of Political Economy"},{"key":"4_CR34","volume-title":"Credit risk management in banks: Hard information, soft information and manipulation","author":"B Godbillon-Camus","year":"2005","unstructured":"Godbillon-Camus B, Godlewski CJ (2005) Credit risk management in banks: Hard information, soft information and manipulation. University of Strasbourg, Strasbourg"},{"issue":"3","key":"4_CR35","doi-asserted-by":"publisher","first-page":"967","DOI":"10.1093\/rfs\/hhj021","volume":"19","author":"R Hauswald","year":"2006","unstructured":"Hauswald R, Marquez R (2006) Competition and strategic information acquisition in credit markets. Review of Financial Studies 19(3):967\u20131000","journal-title":"Review of Financial Studies"},{"issue":"4","key":"4_CR36","doi-asserted-by":"publisher","first-page":"162","DOI":"10.2307\/1927875","volume":"18","author":"EM Hoover Jr","year":"1936","unstructured":"Hoover Jr EM (1936) The Measurement of industrial localization. The Review of Economic Statistics 18(4):162\u2013171","journal-title":"The Review of Economic Statistics"},{"key":"4_CR37","doi-asserted-by":"publisher","first-page":"41","DOI":"10.2307\/2224214","volume":"39","author":"H Hotelling","year":"1929","unstructured":"Hotelling H (1929) Stability in competition. Economic Journal 39:41\u201345","journal-title":"Economic Journal"},{"issue":"3","key":"4_CR38","doi-asserted-by":"publisher","first-page":"826","DOI":"10.1016\/j.jfineco.2006.06.002","volume":"84","author":"R Inderst","year":"2007","unstructured":"Inderst R, Mueller HM (2007). A lender-based theory of collateral. Journal of Financial Economics 84(3):826\u2013859","journal-title":"Journal of Financial Economics"},{"key":"4_CR39","doi-asserted-by":"publisher","first-page":"427","DOI":"10.1016\/S0378-4266(98)00085-5","volume":"23","author":"J Jayaratne","year":"1999","unstructured":"Jayaratne J, Wolken J (1999) How important are small banks to small business lending? New evidence from a survey of small firms. Journal of Banking and Finance 23:427\u2013458","journal-title":"Journal of Banking and Finance"},{"key":"4_CR40","unstructured":"Keeton WR (1995) Multi-office bank lending to small businesses: Some new evidence. Federal Reserve Bank of Kansas City Economic Review Q II: 45\u201357"},{"key":"4_CR41","doi-asserted-by":"publisher","first-page":"623","DOI":"10.2307\/1911311","volume":"54","author":"P Lederer","year":"1986","unstructured":"Lederer P, Hurter AP (1986) Competition of firms: Discriminatory pricing and location. Econometrica 54:623\u2013640","journal-title":"Econometrica"},{"key":"4_CR42","volume-title":"Initiative, incentives and soft information: How does delegation impact the role of bank relationship managers?","author":"JM Liberti","year":"2004","unstructured":"Liberti JM (2004) Initiative, incentives and soft information: How does delegation impact the role of bank relationship managers? Kellogg School of Management Northwestern, Chicago, IL"},{"key":"4_CR43","volume-title":"How does organizational form matter? Distance, communication and soft information","author":"JM Liberti","year":"2005","unstructured":"Liberti JM (2005) How does organizational form matter? Distance, communication and soft information. Kellogg School of Management Northwestern, Chicago, IL"},{"key":"4_CR44","unstructured":"Liberti JM, Mian A (forthcoming) Estimating the effect of hierarchies on information use. Review of Financial Studies."},{"issue":"2","key":"4_CR46","doi-asserted-by":"publisher","first-page":"1005","DOI":"10.1111\/j.1540-6261.2006.00861.x","volume":"61","author":"A Mian","year":"2006","unstructured":"Mian A (2006) Distance constraints: The limits of foreign lending in poor economies. Journal of Finance 61(2):1005\u20131006","journal-title":"Journal of Finance"},{"issue":"2","key":"4_CR47","doi-asserted-by":"publisher","first-page":"367","DOI":"10.1257\/jel.44.2.367","volume":"44","author":"D Mookherjee","year":"2006","unstructured":"Mookherjee D (2006) Decentralization, hierarchies, and incentives: A mechanism design perspective. Journal of Economic Literature 44(2):367\u2013390","journal-title":"Journal of Economic Literature"},{"issue":"1","key":"4_CR48","doi-asserted-by":"publisher","first-page":"201","DOI":"10.1016\/j.jfineco.2004.01.003","volume":"75","author":"O Ozbas","year":"2005","unstructured":"Ozbas O (2005) Integration, organizational processes, and allocation of resources. Journal of Financial Economics 75(1):201\u2013242","journal-title":"Journal of Financial Economics"},{"key":"4_CR49","volume-title":"Financial system design: the case for universal banking","author":"J Peek","year":"1996","unstructured":"Peek J, Rosengren ES (1996) Small business credit availability: How important is the size of lender? In: Ingo W (ed) Financial system design: the case for universal banking. Irwin Publishing, Homewood, IL"},{"key":"4_CR50","volume-title":"Information: Hard and soft","author":"MA Petersen","year":"2004","unstructured":"Petersen MA (2004) Information: Hard and soft. Northwestern University, Chicago, IL"},{"key":"4_CR51","doi-asserted-by":"publisher","first-page":"3","DOI":"10.2307\/2329133","volume":"49","author":"MA Petersen","year":"1994","unstructured":"Petersen MA, Rajan RG (1994) The benefits of lending relationships: Evidence from small business data. Journal of Finance 49:3\u201337","journal-title":"Journal of Finance"},{"key":"4_CR52","doi-asserted-by":"publisher","first-page":"406","DOI":"10.2307\/2118445","volume":"110","author":"MA Petersen","year":"1995","unstructured":"Petersen MA, Rajan RG (1995) The effect of credit market competition on lending relationships. Quarterly Journal of Economics 110:406\u2013443","journal-title":"Quarterly Journal of Economics"},{"issue":"6","key":"4_CR53","doi-asserted-by":"publisher","first-page":"2533","DOI":"10.1111\/1540-6261.00505","volume":"57","author":"MA Petersen","year":"2002","unstructured":"Petersen MA, Rajan RG (2002) Does distance still matter? The information revolution in small business lending. Journal of Finance 57(6):2533\u20132570","journal-title":"Journal of Finance"},{"issue":"5","key":"4_CR54","doi-asserted-by":"publisher","first-page":"1109","DOI":"10.2307\/2951495","volume":"61","author":"R Radner","year":"1993","unstructured":"Radner R (1993) The organization of decentralized information processing. Econometrica 61(5):1109\u20131146","journal-title":"Econometrica"},{"issue":"1","key":"4_CR55","doi-asserted-by":"publisher","first-page":"41","DOI":"10.2307\/3003323","volume":"10","author":"S Salop","year":"1979","unstructured":"Salop S (1979) Monopolistic competition with outside goods. Bell Journal of Economics 10(1):41\u2013156","journal-title":"Bell Journal of Economics"},{"issue":"2","key":"4_CR56","doi-asserted-by":"publisher","first-page":"207","DOI":"10.1023\/B:FINA.0000020661.30763.fe","volume":"25","author":"JA Scott","year":"2004","unstructured":"Scott JA (2004) Small business and the value of community financial institutions. Journal of Financial Services Research 25(2):207\u2013230","journal-title":"Journal of Financial Services Research"},{"issue":"5","key":"4_CR57","doi-asserted-by":"publisher","first-page":"1891","DOI":"10.1111\/0022-1082.00483","volume":"57","author":"J Stein","year":"2002","unstructured":"Stein J (2002) Information production and capital allocation: Decentralized versus hierarchical firms. Journal of Finance 57(5):1891\u20131922","journal-title":"Journal of Finance"},{"key":"4_CR58","first-page":"393","volume":"71","author":"J Stiglitz","year":"1981","unstructured":"Stiglitz J, Weiss A (1981) Credit rationing in markets with imperfect information. American Economic Review 71:393\u2013410","journal-title":"American Economic Review"},{"issue":"3","key":"4_CR59","first-page":"1","volume":"2","author":"PE Strahan","year":"1996","unstructured":"Strahan PE, Weston JP (1996) Small business lending and bank consolidation: Is there cause for concern? Current Issues in Economics and Finance 2(3):1--6","journal-title":"Current Issues in Economics and Finance"},{"key":"4_CR60","doi-asserted-by":"publisher","first-page":"821","DOI":"10.1016\/S0378-4266(98)00010-7","volume":"22","author":"P Strahan","year":"1998","unstructured":"Strahan P, Weston JP (1998) Small business lending and the changing structure of the banking industry.Journal of Banking and Finance 22:821\u2013845","journal-title":"Journal of Banking and Finance"},{"key":"4_CR61","volume-title":"Banking and development","author":"O Sussman","year":"1995","unstructured":"Sussman O, Zeira J (1995) Banking and development. CEPR, London"},{"issue":"2","key":"4_CR62","doi-asserted-by":"publisher","first-page":"235","DOI":"10.1086\/261372","volume":"94","author":"J Tirole","year":"1986","unstructured":"Tirole J (1986) Procurement and renegotiation. The Journal of Political Economy 94(2):235\u2013259","journal-title":"The Journal of Political Economy"},{"issue":"2","key":"4_CR63","doi-asserted-by":"crossref","first-page":"242","DOI":"10.1016\/j.jjie.2007.07.003","volume":"22","author":"H Uchida","year":"2008","unstructured":"Uchida H, Udell GF, Watanabe W (2008). Bank size and lending relationships in Japan. Journal of the Japanese and International Economies 22(2):242--267","journal-title":"Journal of the Japanese and International Economies"},{"issue":"3","key":"4_CR64","doi-asserted-by":"publisher","first-page":"367","DOI":"10.1016\/0378-4266(89)90048-4","volume":"13","author":"GF Udell","year":"1989","unstructured":"Udell GF (1989) Loan quality, commercial loan review and loan officer contracting. Journal of Banking & Finance 13(3):367\u2013382","journal-title":"Journal of Banking & Finance"}],"container-title":["The Changing Geography of Banking and Finance"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/978-0-387-98078-2_4.pdf","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2020,11,17]],"date-time":"2020-11-17T22:08:09Z","timestamp":1605650889000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/978-0-387-98078-2_4"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2009]]},"ISBN":["9780387980775","9780387980782"],"references-count":63,"URL":"https:\/\/doi.org\/10.1007\/978-0-387-98078-2_4","relation":{},"subject":[],"published":{"date-parts":[[2009]]}}}