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enterprises (SMEs). In this framework, lending technologies are the key conduit through which government policies and national … a homogeneous group, unsuitable for serving informationally opaque SMEs, and a frequent misleading conclusion is that … large institutions are disadvantaged in lending to opaque SMEs. "--World Bank web site …
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Large and foreign-owned institutions may have difficulty extending relationship loans to informationally opaque small firms. Bank distress does not appear to affect small business lending, although even small firms may react to bank distress by borrowing from multiple banks
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