1st Edition
Distance, Rating Systems and Enterprise Finance Ethnographic Insights from a Comparison of Regional and Large Banks in Germany
List of figures; List of maps; List of boxes; List of tables; Preface; Acknowledgements; List of abbreviations; 1. Introduction; 1.1 The Geography of Finance and SME Lending; 1.2 Credit Decisions and Rating Systems; 1.3 Research Contributions and Proceedings; 2. Financial Systems, the Geography of Firm Financing and Rating Systems;2.1 Financial Systems and Economic Development; 2.2 The Geography of Firm Financing; 2.3 Placing the Rating Systems as Non-Human Actors in Credit Decisions; 2.4 Spot the Differences: Approaching Distance in Bank-Based SME Lending; 3. The German Banking System: Methods and Case Descriptions; 3.1 Methodology; 3.2 The German Banking System; 3.3 Selection and Description of Bank Cases; 4. SME Credit Decision Making of Savings versus Big Banks; 4.1 The Informational Basis of Credit Decisions; 4.2 The Organisation of Credit Decisions at Savings and Big Banks; 4.3 The Effects of the Varying Organisation of Credit Decisions at Savings and Big Banks; 5. Conclusion; 5.1 Key Findings; 5.2 Practitioner Recommendations; 5.3 Future Research Directions; References; Index
Biography
Franz Flögel is a researcher at the Institute for Work and Technology (Westfälische Hochschule Gelsenkirchen, Germany). He studied geography and economics in Germany and the United Kingdom and conducted his PhD at Catholic University of Eichstätt-Ingolstadt. His key research interest lies in finance and regional development.
