{"id":3991,"date":"2023-01-27T17:00:50","date_gmt":"2023-01-27T16:00:50","guid":{"rendered":"https:\/\/bifelab.com\/area-di-ricerca\/le-determinanti-bank-specific-e-firm-specific-dellofferta-di-credito\/"},"modified":"2023-01-27T17:20:07","modified_gmt":"2023-01-27T16:20:07","slug":"le-determinanti-bank-specific-e-firm-specific-dellofferta-di-credito","status":"publish","type":"avada_portfolio","link":"https:\/\/bifelab.com\/en\/area-di-ricerca\/le-determinanti-bank-specific-e-firm-specific-dellofferta-di-credito\/","title":{"rendered":"Le determinanti bank-specific e firm-specific dell\u2019offerta di credito"},"content":{"rendered":"<p style=\"text-align: justify;\">Il lavoro intende approfondire le determinanti bank-specific e firm-specific che influenzano l\u2019offerta di credito, sia di breve sia di medio-lungo termine, delle Banche di Credito Cooperativo (Bcc), rivolta alle imprese. L\u2019analisi, condotta relativamente agli anni 2013-2014, su un campione di 123 Bcc e 11.083 imprese clienti, ha evidenziato che nel medio-lungo termine la concessione di crediti \u00e8 influenzata dal livello di capitaliz\u00adzazione delle banche, dal grado di indebitamento delle imprese e dalla scelta di queste ultime di rivolgersi contemporaneamente a pi\u00f9 istituti di credito (multi-affidamento). Nel breve periodo, invece, l\u2019offerta di credito \u00e8 condizionata dalla presenza di crediti incagliati nei bilanci delle banche e dai livelli di Roe e di indebitamento delle imprese.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cite: Gallucci C., Formisano V., Modina M., Santulli R., \u201cLe determinanti bank-specific e firm-specific dell\u2019offerta di credito\u201d, Bancaria &#8211; Sezione Forum, n. 11, novembre 2017<\/p>\n","protected":false},"author":5,"featured_media":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","format":"standard","meta":{"footnotes":""},"portfolio_category":[100],"portfolio_skills":[],"portfolio_tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le determinanti bank-specific e firm-specific dell\u2019offerta di credito - BifeLab<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bifelab.com\/en\/area-di-ricerca\/le-determinanti-bank-specific-e-firm-specific-dellofferta-di-credito\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le determinanti bank-specific e firm-specific dell\u2019offerta di credito - 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