The Repository of Soft Information within Bank Organizations

Posted: 8 Jun 2017

See all articles by Masazumi Hattori

Masazumi Hattori

Hitotsubashi University

Kohei Shintani

Bank of Japan

Hirofumi Uchida

Kobe University - Graduate School of Business Administration

Date Written: 2015

Abstract

We examine who is the repository of soft information within bank organizations. Inconsistent with the conventional view of loan officers as the sole repository, we find that branch managers have the most soft information. We also find the repository at a higher hierarchical level at smaller banks. Furthermore, our evidence suggests that branch managers themselves actively collect soft information, especially at smaller banks. These findings suggest the need for a more nuanced view beyond the conventional emphasis on loan officers, and call for studies on the equilibrium design of the collection, processing, and use of soft information within bank organizations.

Suggested Citation

Hattori, Masazumi and Shintani, Kohei and Uchida, Hirofumi, The Repository of Soft Information within Bank Organizations (2015). Journal of Money, Credit, and Banking, vol.47, pp. 730-770, 2015., Available at SSRN: https://ssrn.com/abstract=2982301

Masazumi Hattori

Hitotsubashi University ( email )

2-1 Naka Kunitachi-shi
Tokyo 186-8601
Japan

Hirofumi Uchida (Contact Author)

Kobe University - Graduate School of Business Administration ( email )

2-1, Rokkodai-cho, Nada-ku
Kobe, 657-8501
Japan
81-78-803-6949 (Phone)

HOME PAGE: http://www.b.kobe-u.ac.jp/~uchida

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