Download or read book Improving Responsible Lending to Small Businesses written by Professor United States Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-01-05 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Improving responsible lending to small businesses: field hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, November 30, 2009.
Download or read book Improving Responsible Lending to Small Businesses written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2010 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improving Responsible Lending to Small Businesses written by United States Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-10-14 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Improving responsible lending to small businesses: field hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, November 30, 2009.
Download or read book IMPROVING RESPONSIBLE LENDING TO SMALL BUSINESSES FIELD HRG SERIAL NO 111 90 COM ON FINANCIAL SERVICES U S HOUSE OF REPS 111TH CONG 1ST SESSION written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2010* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improving Responsible Lending to Small Businesses written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Initiatives to Promote Small Business Lending Jobs and Economic Growth written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2010 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Small Business Lending Fund written by U.s. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-08-10 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Small Business Jobs Act of 2010 aimed to stimulate job growth by establishing the Small Business Lending Fund program (SBLF) within the U.S. Department of the Treasury (Treasury), among other activities. The SBLF program was designed to encourage community banks and community development loan funds with assets of less than $10 billion to increase their lending to small businesses.The act also requires GAO to audit SBLF annually. This initial report examines (1) Treasurys procedures for evaluating applications for SBLF funds, (2) characteristics of institutions that applied for and received funds from SBLF and factors that influenced banks decision to participate, and (3) Treasurys plans to monitor participants and measure SBLFs progress in increasing small business lending. GAO reviewed documents on Treasurys procedures and controls; analyzed data on applicants; compared SBLF banks with a peer group of nonparticipating banks; surveyed a representative sample of banks (for a weighted response rate of 66 percent); and interviewed Treasury, federal banking regulators, and representatives from industry associations.
Download or read book Socially Responsible Lending written by Yizhe Dong and published by . This book was released on 2017 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies socially responsible lending (SRL) by examining a unique sample of Chinese commercial banks. We define SRL as loans that are issued to promote social welfare, preserve the environment, develop agriculture, or support small business. We find that state-controlled banks issue less SRL than private banks, which rely on SRL to build credibility and enhance corporate image. Among state-owned banks, central-government-controlled ones respond to SRL-related polices more actively than others. The public sector experience of board directors is associated with more SRL. Finally, board independence and better-educated directors are found to increase SRL.
Download or read book Fintech Small Business The American Dream written by Karen G. Mills and published by Palgrave Macmillan. This book was released on 2024-07-13 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. Every small business is different; one day the borrower is a dry cleaner and the next a parts supplier, making it difficult for lenders to understand each business’s unique circumstances. Today, however, big data and artificial intelligence have the power to illuminate the opaque nature of a smallbusiness’s finances and make it easier for them access capital to weather bumpy cash flows or to invest in growth opportunities. Beginning in the dark days following the 2008-9 recession and continuing through the crisis of the Covid-19 Pandemic, Mills charts how fintech has changed and will continue to change small business lending. In the new fintech landscape financial products are embedded in applications that small business owners use on daily basis, and data powered algorithms provide automated insights to determine which businesses are creditworthy. Digital challenger banks, big tech and traditional banks and credit card companies are deciding how they want to engage in the new lending ecosystem. Who will be the winners and losers? How should regulators respond? In this pivotal moment, Mills elucidates how financial innovation and wise regulation can restore a path to the American Dream by improving access to small business credit. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, this second edition of Fintech, Small Business & the American Dream is relevant to bankers, regulators and fintech entrepreneurs and investors; in fact, to anyone who is interested in the future of small business in America.
Download or read book Expanding Responsible Lending written by Federal National Mortgage Association and published by . This book was released on 2003 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Small Business Lending written by G. A. O and published by . This book was released on 2012-12-19 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. Department of the Treasury (Treasury) has made progress in developing guidance and procedures to monitor participants' compliance with requirements for the Small Business Lending Fund (SBLF) and the State Small Business Credit Initiative (SSBCI) programs. In response to GAO's previous recommendation on SBLF monitoring, Treasury has developed procedures for monitoring SBLF participant compliance with legal and reporting requirements. Treasury also issued standards to provide states with best practices for reviewing participants' compliance with SSBCI's legal and policy requirements and developed procedures for sampling transaction-level data to evaluate the accuracy of the states' SSBCI annual reports.As of June 30, 2012, SBLF participants had increased their business lending over the 2010 baseline. The median SBLF participant had a 31 percent increase in total business lending and a 14 percent increase for small business loans under $1 million, according to GAO's analysis. For SSBCI, states had used about 10 percent of the funds as of June 30, 2012. The act provides Treasury with authority to terminate funds that have not been allocated to states within 2 years of Treasury's approval of the state's participation in SSBCI. However, Treasury has not yet developed a formal written policy explaining what actions it will take if SSBCI participants have not met the requirements to receive their full allocation of funds within the 2-year time frame. Treasury officials said that they currently have no plans to use this authority but retain the ability to do so in the future. Nevertheless, formal guidelines on how Treasury will use this authority could help ensure consistent use of the authority if used in the future and provide clarity to states about the consequences of not using the funds in a timely manner.
Download or read book Introduction to Business written by Lawrence J. Gitman and published by . This book was released on 2024-09-16 with total page 1455 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction to Business covers the scope and sequence of most introductory business courses. The book provides detailed explanations in the context of core themes such as customer satisfaction, ethics, entrepreneurship, global business, and managing change. Introduction to Business includes hundreds of current business examples from a range of industries and geographic locations, which feature a variety of individuals. The outcome is a balanced approach to the theory and application of business concepts, with attention to the knowledge and skills necessary for student success in this course and beyond. This is an adaptation of Introduction to Business by OpenStax. You can access the textbook as pdf for free at openstax.org. Minor editorial changes were made to ensure a better ebook reading experience. Textbook content produced by OpenStax is licensed under a Creative Commons Attribution 4.0 International License.
Download or read book UNCITRAL Model Law on Secured Transactions written by United Nations Commission on International Trade Law and published by . This book was released on 2016 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: The "Model Law" deals with security interests in all types of tangible and intangible movable property, such as goods, receivables, bank accounts, negotiable instruments, negotiable documents,
Download or read book Advances in Crowdfunding written by Rotem Shneor and published by Springer Nature. This book was released on 2020 with total page 543 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book presents a comprehensive and up-to-date collection of knowledge on the state of crowdfunding research and practice. It considers crowdfunding models and their different manifestations across a variety of geographies and sectors, and explores the perspectives of fundraisers, backers, platforms, and regulators. Gathering insights from a wide range of influential researchers in the field, the book balances concepts, theory, and case studies. Going beyond previous research on crowdfunding, the contributors also investigate issues of community, sustainability, education, and ethics. A vital resource for anyone researching crowdfunding, this book offers readers a deep understanding of the characteristics, business models, user-relations, and behavioural patterns of crowdfunding.
Download or read book The Small Business Advocate written by and published by . This book was released on 1996-05 with total page 554 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Journal of the House of Representatives of the United States written by United States. Congress. House and published by . This book was released on 2001 with total page 1366 pages. Available in PDF, EPUB and Kindle. Book excerpt: Some vols. include supplemental journals of "such proceedings of the sessions, as, during the time they were depending, were ordered to be kept secret, and respecting which the injunction of secrecy was afterwards taken off by the order of the House."
Download or read book Journal and History of Legislation written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 532 pages. Available in PDF, EPUB and Kindle. Book excerpt:
