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We find one to FinTech programs focus on big SMEs, that have high profits, and reduced borrowing from the bank risk

Wednesday, January 26th, 2022

We find one to FinTech programs focus on big SMEs, that have high profits, and reduced borrowing from the bank risk

I begin by studying the FinTech program clientele and you may exploring the attributes from FinTech candidates versus the latest non-applicant firms in our decide to try. Notably, we find you to firms which make an application for FinTech financial support are somewhat more likely to already have lender obligations inside their obligations construction and, at the same time, don’t showcase higher levels of overdue financial obligation. Once we examine acknowledged in the place of denied software (we.age. brand new decide to try is limited to businesses that apply at FinTech financing), we discover your FinTech platform’s choice is markedly angled to your large, more lucrative enterprises, with leverage much less overdue personal debt.

At the same time, web of FinTech finance, we discover one enterprises fall off much time-identity bank financial obligation, and increase brief-name bank financial obligation

So it first band of overall performance contrasts on the antique financial intermediation literature (Sharpe 1990), which suggests you to definitely competition is direct novices to help you allocate capital on lower top quality and you can younger companies. In addition, our abilities deflect about current empirical findings on peer-to-fellow (P2P) systems, and therefore imply that FinTech serves an effective riskier unexplored , Hau ainsi que al. 2019, Di Maggio and you can Yao 2020) and you will financial origination (Buchak et al. 2018, Fuster et al. 2018).

An extra band of efficiency allow us to destroyed further light towards good reason why firms intend to affect brand new FinTech system. I study the features of one’s financial institutions that have a financing reference to the new SMEs within try. We find that SMEs are more inclined to apply for FinTech lending if they have relationship having financial institutions that have quicker secure source from capital, lower liquidity from property, and car title loans lower money percentages. (more…)