The Repository of Soft Information within Bank Organizations

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. F...

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Published in:Journal of money, credit and banking credit and banking, 2015-06, Vol.47 (4), p.737-770
Main Authors: HATTORI, MASAZUMI, SHINTANI, KOHEI, UCHIDA, HIROFUMI
Format: Article
Language:English
Subjects:
authority
Banking industry
Banking system
banks
Equilibrium
G21
Information
Information processing
Loan officers
Loans
Managers
organizational structure
Organizations
soft information
Studies
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description 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.
doi_str_mv 10.1111/jmcb.12226
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source EBSCOhost Business Source Ultimate; International Bibliography of the Social Sciences (IBSS); JSTOR Archival Journals and Primary Sources Collection; Wiley-Blackwell Read & Publish Collection
subjects authority
Banking industry
Banking system
banks
Equilibrium
G21
Information
Information processing
Loan officers
Loans
Managers
organizational structure
Organizations
soft information
Studies
title The Repository of Soft Information within Bank Organizations
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