The Repository of Soft Information within Bank Organizations
研究发现银行分行行长比信贷员掌握更多软信息，且在小银行中层级更高者存储更多软信息，挑战了传统观点，对银行信息管理有启示。
We examine who is the repository of soft information within bank organizations. Inconsistent with the conventional view of loan officers as the sole repository, we find that branch managers have the most soft information. We also find the repository at a higher hierarchical level at smaller banks. Furthermore, our evidence suggests that branch managers themselves actively collect soft information, especially at smaller banks. These findings suggest the need for a more nuanced view beyond the conventional emphasis on loan officers, and call for studies on the equilibrium design of the collection, processing, and use of soft information within bank organizations.