id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajfa-5505	Huang, Cheng-Li; Kuo, Bih-Yun	The Impact of Credit Rating, Ownership and Relationships on Loan Spreads-Taiwan’s Evidence	2014	34	.pdf	application/pdf	14829	645	53	Due to bank credit officers requiring the borrower to provide financial statements for the past three years as an important basis for credit ratings, therefore the corresponding empirical periods are 2003-2008 for borrowers. 17.Coleman et al. (2002) used the capital adequacy ratio, the ratio of cash to total assets, and the loans to deposits ratio as a proxy for bank risk.	cache/ajfa-5505.pdf	txt/ajfa-5505.txt