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SME Financing and the Choice of Lending Technology in Italy: Complementarity or Substitutability?

https://doi.org/10.2139/ssrn.2119898
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25/25 checkable references clean · checked 2026-10-08

Every reference with a DOI in the deposited reference list resolved to a known work in Crossref or DataCite at the dated check, and none carried a retraction, withdrawal, or removal notice.

16 without a DOI — not checked. A reference deposited without a DOI is never matched by title or guessed at; it stays outside the checked set, and this line discloses that.

The 25 checked references that resolve
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Availability and cost of credit for small businesses: Customer relationships and credit cooperatives
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Bank–firm relations and the role of Mutual Guarantee Institutions at the peak of the crisis
resolves10.1353/mcb.2005.0019
Credit Scoring and the Availability, Price, and Risk of Small Business Credit
resolves10.1111/j.1540-627x.2007.00195.x
Small Business Credit Scoring and Credit Availability*
resolves10.1016/s0378-4266(01)00189-3
The ability of banks to lend to informationally opaque small businesses
resolves10.1086/296668
Relationship Lending and Lines of Credit in Small Firm Finance
resolves10.1016/j.jbankfin.2006.05.008
A more complete conceptual framework for SME finance
resolves10.1006/jfin.2000.0282
Relationship Banking: What Do We Know?
resolves10.1016/s0378-4266(98)00007-7
The importance of relationships to the availability of credit
resolves10.1016/j.jfs.2009.12.002
Mutual guarantee institutions and small business finance
resolves10.1006/jfin.1999.0278
Relationship Lending within a Bank-Based System: Evidence from European Small Business Data
resolves10.1016/j.jbankfin.2010.02.014
Bank involvement with SMEs: Beyond relationship lending
resolves10.2307/2673896
The Effect of Credit Scoring on Small-Business Lending
resolves10.1257/0002828041464498
The Role of Social Capital in Financial Development
resolves10.1162/0033553041502162
Does Local Financial Development Matter?
resolves10.1016/j.jfineco.2005.12.001
Informed finance and technological change: Evidence from credit relationships☆
resolves10.1016/j.euroecorev.2015.09.007
Ownership structure, governance, and innovation
resolves10.2139/ssrn.2120727
Information Technology and Banking Organization
resolves10.1023/b:fina.0000020661.30763.fe
Small Business and the Value of Community Financial Institutions
resolves10.1162/rest.1997.79.2.348
Instrument Relevance in Multivariate Linear Models: A Simple Measure
resolves10.1111/0022-1082.00483
Information Production and Capital Allocation: Decentralized versus Hierarchical Firms
resolves10.1198/073500102288618658
A Survey of Weak Instruments and Weak Identification in Generalized Method of Moments
resolves10.3386/t0284
Testing for Weak Instruments in Linear IV Regression
resolves10.1016/j.jfi.2011.06.002
Loan officers and relationship lending to SMEs
resolves10.1016/j.jbankfin.2006.09.011
The happy story of small business financing
The 16 references without a DOI — listed, not checked
no DOI — not checkedL'organizzazione dell'attivit� creditizia e l'utilizzo di tecniche di scoring nel sistema bancario italiano: risultati di un'indagine campionaria
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