Monteagudo, J.

fi rms loan accessibility bank loans access country credit perception accessibility banking business sector model employee information european value level journal variable relationship fi rm size study result eu 15 market constraint fi rm age european union borrower finance business economics evidence banking sector economic country level concentration firm age table firm size paper turnover ownership credit constraints binomial logit regressions number country-level borrower discouragement percentage dif ficult panel european commission sample regression union fi rm level information asymmetry -.02 determinant structure variation 0.09 dif ficulty reference category research credit institutions country-level variables 30 years analysis ficult dataset survey investment firm level growth measure -.03 reference bank loan accessibility system banking sector characteristics