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Banker's lending decision making: a psychological approach

Journal article
Authors Carl-Christian Trönnberg
Sven Hemlin
Published in Managerial Finance
Volume 38
Issue 11
Pages 1032-1047
ISSN 0307-4358
Publication year 2012
Published at Gothenburg Research Institute (GRI)
Department of Psychology
Pages 1032-1047
Language en
Keywords lending decision making, bank research
Subject categories Psychology, Economics and Business


Purpose – The purpose of this paper is to analyze recent findings in the research on bankers’ lending decision making, to merge relevant findings in psychology and economics and create a comprehensive review of the literature. Design/methodology/approach – The authors used a systematic article search for empirical studies when conducting the research. Findings – The findings are analyzed on the basis of human decision-making research. The results of the review are three conclusions about loan officers’ decision making: their dependency on bank characteristics, their decision-making biases, and their deliberate and intuitive reasoning approaches. Originality/value – The paper’s findings are important, both as a summary of the literature on lending decision making and also as a foundation for future research. Keywords Banks, Loans, Decision making, Reasoning, Small to medium-sized enterprises, Review, Relationship lending, Transactional lending Paper type Literature review

Page Manager: Webmaster|Last update: 9/11/2012

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