Bank loan terms and conditions: is there a macro effect?

We examine whether macroeconomic factors contain significant information for bank loan contracting terms and conditions (T&Cs), over and above that of standard firm-specific or country-level institutional factors. Our estimation is based on a seemingly unrelated mixed-processes methodology that accommodates two salient data properties: (i) the fact that loan contract terms are determined jointly as a single lending contract, and (ii) the fact that the elements of loan T&Cs are generated by different distributional formats. Our findings indicate that cross-country variation accounts for a significant portion of observed variation in loan T&Cs. In addition, macroeconomic fundamentals significantly explain the “package” of loan T&Cs offered to corporate borrowers, with this effect being distinct from any influence that T&Cs receive from firm-specific factors, and also from country-specific institutional factors.

Glossary of paper terms and instructions to exporters for guidance in properly listing and classifying exports of paper and paper products on shippers' export declarations.

Mode of access: Internet.

Dictionary of foreign words and phrases : compiled from English sources and containing foreign words, phrases, mottos, proverbs, place names, titles, allusions and abbreviations from the Latin, Greek, French, Italian, Spanish, German, Russian, Hebrew and other foreign languages, together with English equivalents and definitions and a supplement in Greek orthography.

Mode of access: Internet.

Glossary of terms and table of conversion factors used in design of chemical propulsion systems.

Cover title.

Easy Malay words and phrases

Mode of access: Internet.

Hydro power : Chapter 1. Definition of terms and requirements for reports ; Chapter 2. Determination of power capacity and energy output /

Mode of access: Internet.

The Stanford dictionary of anglicised words and phrases;

Based on notes and collections made by J. F. Stanford.

Boyer's French dictionary: comprising all the additions and improvements of the latest Paris and London editions, with a very large number of useful words and phrases, now first selected from the modern dictionaries of Boiste, Wailly, Catineau, and others; with the pronunciation of each word, according to the dictionary of the Abbé Tardy: to which are prefixed, rules for the pronunciation of French vowels, diphthongs, and final consonants, chiefly collected from the prosody of the Abbé d'Olivet, with a table of French verbs, &c.

Acompañado de: An English-French dictionary, designed as a second part to the Boston edition of Boyer's French dictionary, with Tardy's pronunciation.

Roman antiquities : or, an account of the manners and customs of the romans; ... Designed chiefly to illustrate the latin classies, by explaining words and phrases, from the rites and customs to which they refer /

Mode of access: Internet.

Roman antiquities; or, An account of the manners and customs of the Romans ... Designed chiefly to illustrate the Latin classics, by explaining words and phrases, from the rites and customs to which they refer.

Mode of access: Internet.

Frequency of economic terms and concepts in farm magazines : summary report, September 1, 1955.

Mode of access: Internet.

A Greek and English lexicon to the New Testament : in which the words and phrases occurring in those sacred books are distinctly explained ; and the meanings assigned to each authorized by references to passages of Scripture, and frequently illustrated and confirmed by citations from the Old Testament and from the Greek writers ; to this work is prefixed, A Plain and easy Greek grammar /

Mode of access: Internet.

Chemical German; an introduction to the study of German chemical literature, including rules of nomenclature, exercises for practice and a collection of extracts from the writings of German chemists and other scientists and a vocabulary of German chemical terms and others used in technical literature,

Mode of access: Internet.