Bank of Spain paper looks at loan origination times

Bank of Spain
The Bank of Spain
Luis García

“Loan origination time is key for bank lending standards, cycles, defaults and failures,” a working paper from the Bank of Spain argues.

In Screening and loan origination time: lending standards, loan defaults and bank failures, Mikel Bedayo et al use data from Spain’s credit register. They identify several key mechanisms driving the loan origination process, including banks’ incentives, capacity constraints, and asymmetries of information between borrowers and lenders.

Shorter loan

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