{"main_file_link":[{"url":"https://elibrary.duncker-humblot.com/journals/id/33/vol/49/iss/1330/art/5420/"}],"type":"journal_article","citation":{"ieee":"S. Sievers, T. Schlüter, R. Busch, and T. Hartmann-Wendels, “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?,” Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 3 Ranking C), vol. 49, no. 1, pp. 93–125, 2016.","short":"S. Sievers, T. Schlüter, R. Busch, T. Hartmann-Wendels, Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 3 Ranking C) 49 (2016) 93–125.","bibtex":"@article{Sievers_Schlüter_Busch_Hartmann-Wendels_2016, title={Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?}, volume={49}, DOI={10.3790/ccm.49.1.93}, number={1}, journal={ Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 3 Ranking C)}, author={Sievers, Sönke and Schlüter, Tobias and Busch, Ramona and Hartmann-Wendels, Thomas}, year={2016}, pages={93–125} }","mla":"Sievers, Sönke, et al. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 3 Ranking C), vol. 49, no. 1, 2016, pp. 93–125, doi:10.3790/ccm.49.1.93.","apa":"Sievers, S., Schlüter, T., Busch, R., & Hartmann-Wendels, T. (2016). Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 3 Ranking C), 49(1), 93–125. https://doi.org/10.3790/ccm.49.1.93","ama":"Sievers S, Schlüter T, Busch R, Hartmann-Wendels T. Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 3 Ranking C). 2016;49(1):93-125. doi:10.3790/ccm.49.1.93","chicago":"Sievers, Sönke, Tobias Schlüter, Ramona Busch, and Thomas Hartmann-Wendels. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 3 Ranking C) 49, no. 1 (2016): 93–125. https://doi.org/10.3790/ccm.49.1.93."},"year":"2016","page":"93-125","intvolume":" 49","_id":"20867","issue":"1","author":[{"last_name":"Sievers","id":"46447","first_name":"Sönke","full_name":"Sievers, Sönke"},{"full_name":"Schlüter, Tobias","first_name":"Tobias","last_name":"Schlüter"},{"full_name":"Busch, Ramona","first_name":"Ramona","last_name":"Busch"},{"last_name":"Hartmann-Wendels","full_name":"Hartmann-Wendels, Thomas","first_name":"Thomas"}],"publication":" Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 3 Ranking C)","jel":["G21","G28"],"volume":49,"status":"public","date_created":"2021-01-05T11:30:36Z","article_type":"original","abstract":[{"lang":"eng","text":"This study examines the loan-pricing behavior of German banks for a large variety of retail and corporate loan products. We find that a bank’s operational efficiency is priced in bank loan rates and alters interest-setting behavior. Specifically, we establish that a higher degree of operational efficiency leads to lower loan markups, which makes prices more competitive and smoothes the setting of interest rates. By employing state-of-the-art stochastic frontier efficiency measures to capture a bank’s operational efficiency, we take a look at the bank customers’ perspective and demonstrate the extent to which borrowers benefit from cost-efficient banking."}],"user_id":"46447","language":[{"iso":"eng"}],"date_updated":"2022-01-06T06:54:41Z","doi":"10.3790/ccm.49.1.93","department":[{"_id":"275"}],"publication_status":"published","title":"Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?"}