S. Claessens and L. Laeven, What Drives Bank Competition? Some International Evidence, Journal of Money, Credit, and Banking, vol.36, issue.3b, pp.563-583, 2004.
DOI : 10.1353/mcb.2004.0044

S. Claessens and L. Laeven, Financial Dependence, Banking Sector Competition, and Economic Growth, Journal of the European Economic Association, vol.3, issue.1, pp.179-207, 2005.
DOI : 10.1162/1542476053295322

S. Claessens and N. Van-horen, Foreign Banks: Trends and Impact, Journal of Money, Credit and Banking, vol.8, issue.s1, 2013.
DOI : 10.1111/jmcb.12092

S. Claessens and N. Van-horen, Impact of Foreign Banks, SSRN Electronic Journal, vol.1, issue.1, pp.29-42, 2013.
DOI : 10.2139/ssrn.2212123

G. R. Clarke, R. Cull, M. Pería, and M. S. , Foreign bank participation and access to credit across firms in developing countries, Journal of Comparative Economics, vol.34, issue.4, pp.774-795, 2006.
DOI : 10.1016/j.jce.2006.08.001

R. Cole, Who needs credit and who gets credit ? Evidence from the surveys of Small Business Finances, p.24691, 2010.

R. Cole and A. Dietrich, SME Credit Availability Around the World: Evidence from the World Bank's Enterprise Surveys, Midwest Finance Association, 2012.
DOI : 10.2139/ssrn.2043624

R. A. Cole, The importance of relationships to the availability of credit, Journal of Banking & Finance, vol.22, issue.6-8, pp.959-977, 1998.
DOI : 10.1016/S0378-4266(98)00007-7

L. Deidda and B. Fattouh, CONCENTRATION IN THE BANKING INDUSTRY AND ECONOMIC GROWTH, Macroeconomic Dynamics, vol.35, issue.02, pp.198-219, 2005.
DOI : 10.2307/2118406

M. D. Delis, Bank competition, financial reform, and institutions: The importance of being developed, Journal of Development Economics, vol.97, issue.2, pp.450-465, 2012.
DOI : 10.1016/j.jdeveco.2011.05.012

H. Demsetz, Industry Structure, Market Rivalry, and Public Policy, The Journal of Law and Economics, vol.16, issue.1, pp.1-10, 1973.
DOI : 10.1086/466752

E. Detragiache, T. Tressel, and P. Gupta, Foreign Banks in Poor Countries: Theory and Evidence, The Journal of Finance, vol.126, issue.5, pp.2123-2160, 2008.
DOI : 10.1111/j.1540-6261.2008.01392.x

O. E. Ergungor and . Beck, Conmment on " bank competition and access to finance : International evidence, 2004.

A. I. Fernández, F. González, and N. Suárez, How institutions and regulation shape the influence of bank concentration on economic growth: International evidence, International Review of Law and Economics, vol.30, issue.1, pp.28-36, 2010.
DOI : 10.1016/j.irle.2009.09.001

J. Fernández-de-guevara and J. Maudos, Banking competition and economic growth: cross-country evidence, The European Journal of Finance, vol.88, issue.8, pp.739-764, 2011.
DOI : 10.2307/2328944

M. Giannetti and S. Ongena, Financial Integration and Firm Performance: Evidence from Foreign Bank Entry in Emerging Markets, Review of Finance, vol.13, issue.2, pp.181-223, 2009.
DOI : 10.1093/rof/rfm019

V. M. González and F. González, Influence of bank concentration and institutions on capital structure: New international evidence, Journal of Corporate Finance, vol.14, issue.4, pp.363-375, 2008.
DOI : 10.1016/j.jcorpfin.2008.03.010

T. A. Gormley, The impact of foreign bank entry in emerging markets: Evidence from India, Journal of Financial Intermediation, vol.19, issue.1, pp.26-51, 2010.
DOI : 10.1016/j.jfi.2009.01.003

W. Greene, A general approach to incorporating selectivity in a model, Stern School of Business Working Paper, pp.6-10, 2006.

M. Guzman, Bank structure, capital accumulation and growth: a simple macroeconomic model, Economic Theory, vol.16, issue.2, pp.421-455, 2000.
DOI : 10.1007/PL00004091

L. Han, S. Fraser, and D. J. Storey, Are good or bad borrowers discouraged from applying for loans? Evidence from US small business credit markets, Journal of Banking & Finance, vol.33, issue.2, pp.415-424, 2009.
DOI : 10.1016/j.jbankfin.2008.08.014

R. Hauswald and R. Marquez, Competition and Strategic Information Acquisition in Credit Markets, Review of Financial Studies, vol.19, issue.3, pp.967-1000, 2006.
DOI : 10.1093/rfs/hhj021

D. A. Hay and G. S. Liu, The efficiency of firms : What difference does competition make ? The Economic Journal, pp.597-617, 1997.

J. J. Heckman, Sample Selection Bias as a Specification Error, Econometrica, vol.47, issue.1, pp.153-161, 1979.
DOI : 10.2307/1912352

I. Hoxha, The market structure of the banking sector and financially dependent manufacturing sectors, International Review of Economics & Finance, vol.27, pp.432-444, 2013.
DOI : 10.1016/j.iref.2013.01.004

D. Kaufmann, A. Kraay, and M. Mastruzzi, The Worldwide Governance Indicators: Methodology and Analytical Issues, Hague Journal on the Rule of Law, vol.3, issue.02, 2010.
DOI : 10.1017/S1876404511200046

K. Kirschenmann, Credit rationing in small business bank relationships. mimeo, 2011.

M. Koetter, J. Kolari, and L. Spierdijk, Enjoying the Quiet Life under Deregulation? Evidence from Adjusted Lerner Indices for U.S. Banks, Review of Economics and Statistics, vol.82, issue.2, pp.462-480, 2012.
DOI : 10.1016/j.jfineco.2005.05.002

Y. Kon and D. J. Storey, A theory of discouraged borrowers, Small Business Economics, vol.21, issue.1, pp.37-49, 2003.
DOI : 10.1023/A:1024447603600

F. Léon, Measuring competition in banking : A critical review of methods, CERDI Etudes et Documents, vol.12, pp.1-44, 2014.

G. Liu and A. Mirzaei, Industrial growth : Does bank competition, concentration and stability constraints matter ? evidence from developed and developing countries, 2013.

I. Love, M. Peria, and M. , How bank competition affects firms' access to finance, World Bank Policy Research Working Paper, 2012.

I. Love, M. S. Peria, and S. Singh, Collateral registries for movable assets : Does their introduction spur firms' access to bank finance ?, 2013.
DOI : 10.1596/1813-9450-6477

R. Marquez, Competition, Adverse Selection, and Information Dispersion in the Banking Industry, SSRN Electronic Journal, vol.15, issue.3, p.901, 2002.
DOI : 10.2139/ssrn.264531

A. Mian, Distance constraints : The limits of foreign lending in poor economies, 2006.

S. Mudd, Bank Structure, Relationship Lending and Small Firm Access to Finance: A Cross-Country Investigation, Journal of Financial Services Research, vol.17, issue.4, pp.149-174, 2013.
DOI : 10.1007/s10693-012-0140-4

A. M. Oliver, V. S. Fumás, and J. Saurina, Risk premium and market power in credit markets, Economics Letters, vol.93, issue.3, pp.450-456, 2006.
DOI : 10.1016/j.econlet.2006.06.021

J. Panzar and J. Rosse, Testing For "Monopoly" Equilibrium, The Journal of Industrial Economics, vol.35, issue.4, pp.443-456, 1987.
DOI : 10.2307/2098582

M. A. Petersen and R. G. Rajan, The Effect of Credit Market Competition on Lending Relationships, The Quarterly Journal of Economics, vol.110, issue.2, pp.407-443, 1995.
DOI : 10.2307/2118445

A. Popov and G. Udell, Cross-border banking, credit access, and the financial crisis, Journal of International Economics, vol.87, issue.1, pp.147-161, 2012.
DOI : 10.1016/j.jinteco.2012.01.008

K. Schaeck, M. Cihák, and S. Wolfe, Are Competitive Banking Systems More Stable?, Journal of Money, Credit and Banking, vol.15, issue.4, pp.711-734, 2009.
DOI : 10.1111/j.1538-4616.2009.00228.x

S. A. Sharpe, Asymmetric information, bank lending, and implicit contracts : A stylized model of customer relationships, The Journal of Finance, vol.45, issue.4, pp.1069-1087, 1990.

B. M. Tabak, D. M. Fazio, C. , and D. O. , The relationship between banking market competition and risk-taking: Do size and capitalization matter?, Journal of Banking & Finance, vol.36, issue.12, 2012.
DOI : 10.1016/j.jbankfin.2012.07.022

W. P. Van-de-ven and B. M. Van-praag, The demand for deductibles in private health insurance, Journal of Econometrics, vol.17, issue.2, pp.229-252, 1981.
DOI : 10.1016/0304-4076(81)90028-2

M. Van-leuvensteijn, J. A. Bikker, A. A. Van-rixtel, and C. K. Sørensen, A new approach to measuring competition in the loan markets of the euro area, Applied Economics, vol.56, issue.23, pp.433155-3167, 2011.
DOI : 10.1017/CBO9780511492518

B. Panel, H. Lerner-boone, and H. Lerner-boone, Financial freedom Credit availability Application for loans Satisfied or denied ?

C. Panel, H. Lerner-boone, and H. Lerner-boone, Sub-sample on firms in non-economic centers Credit availability Application for loans Satisfied or denied ?