Relationship banking and regional SME financing: The case of Wales

Hans Degryse, Kent Matthews, Tianshu Zhao

Research output: Journal PublicationArticlepeer-review

12 Citations (Scopus)


Regional disparities in credit availability across the UK have been highlighted in a series of studies as a factor affecting both new firm starts and small firm growth prospects. This paper suggests that relationship banking might be an important means of attenuating differences in credit availability. The paper focuses on the value of relationship banking to SMEs in Wales in the period following the global banking crisis. The results show that SMEs that had developed a customer-loan relationship with their banks had a lower probability of experiencing a worsened credit outcome than those that did not. The implications of the findings for regional finance provision are discussed.

Original languageEnglish
Pages (from-to)93-118
Number of pages26
JournalInternational Journal of Banking, Accounting and Finance
Issue number1
Publication statusPublished - 2017
Externally publishedYes


  • Regional finance
  • Relationship banking
  • SME financing
  • Wales

ASJC Scopus subject areas

  • Accounting
  • Finance
  • Economics and Econometrics


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