TY - BOOK AU - Jiménez, Gabriel. AU - Salas, Vicente. AU - Saurina, Jesús, TI - Credit market competition, collateral and firms'finance T2 - Documentos de trabajo, AV - HC 381 .A5 200612E PY - 2006/// CY - Madrid PB - Banco de España KW - Crédito KW - Competitividad KW - Bancos KW - España N1 - 1. Introduction, 9 --; 2. A model of moral hazard in lending with collateral, 12 --; 3. Data, empirical models and predictions, 16 --; 4. Results, 20 --; 5. Conclusion, 27 ER -