Canton, E.J.F.

fi rms loan accessibility worker bank loans country employee access sector credit perception level european accessibility banking supervisor model gender value table women business result study information variable journal market relationship fi rm size european union economic eu 15 number constraint fi rm age firm size borrower paper analysis research finance proportion evidence banking sector business economics survey non-managerial workers regression concentration non-managerial country level firm age turnover ownership credit constraints binomial logit regressions gender wage gap difference country-level effect manager borrower discouragement percentage dif ficult panel european commission sample union interaction fi rm level information asymmetry determinant -.02 variation income fraction structure dif ficulty 0.09 reference category