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Bank interest rates on new loans to non-financial corporations– one first look at a new set of micro data
This note aims at contributing to the assessment of the empirical relevance of a set of determining factors for bank interest rates in Portugal. For such purpose, an innovative dataset is used, considering micro-information on most new loan operations to non-financial corporations in the period June 2012 to February 2013. The results obtained point to the existence of a set of factors that induce discrimination in the setting of interest rates by the different customers. These factors include the risk attached to the customer, the size of the loan and the customer, their private or public nature, and the fact of having or not exporting activity.