Information Technology and Banking Organization

被引：45

作者：

Mocetti, Sauro ^{[1
]}

Pagnini, Marcello ^{[1
]}

Sette, Enrico ^{[2
]}

机构：

[1] Bank Italy, Reg Econ Res Div, Bologna Branch, Rome, Italy

[2] Bank Italy, Res Dept, Rome, Italy

来源：

JOURNAL OF FINANCIAL SERVICES RESEARCH | 2017年 / 51卷 / 03期

关键词：

ICT; Delegation; Banking organization; Local branch manager; Small business lending; CREDIT AVAILABILITY; FIRM; DECENTRALIZATION; HIERARCHIES; AUTHORITY; MARKETS;

D O I：

10.1007/s10693-016-0244-3

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

We investigate the impact of information and communication technologies (ICT) on local branch managers' (LBMs) autonomy in small business lending. Using a unique dataset of nearly 300 Italian banks, we show that banks holding more ICT capital delegate more decision-making power to their LBMs. Evidence from a variety of identification strategies suggests that our results are not driven by unobserved heterogeneity. We also find that the positive effect of ICT on delegation is stronger for banks resorting more to soft information (i.e. those specialized in small business lending and with a longer permanence of LBMs in the same branch).

引用

页码：313 / 338

页数：26

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