... respond to the change in the level of market competition. organizational form franchise outsourcing loans soft information decision-making pricing decisions We study whether agents under an employment relationship perform differently from those in a contractor relationship in the loan...

...Margaret H. Christ; Natalia Mintchik; Long Chen; James L. Bierstaker ABSTRACT Organizations are outsourcing traditional functions that have financial reporting implications, such as transaction processing and valuation assessments, with increasing frequency. This practice of outsourcing aspects...