Download or read book The Impact of the Small Business Lending Fund on Community Bank Lending to Small Businesses written by Federal Reserve Federal Reserve Board and published by Createspace Independent Publishing Platform. This book was released on 2015-12-14 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the financial crisis, total outstanding loans to businesses by commercial banks dropped off substantially. Large loans outstanding began to rebound by the third quarter of 2010 and essentially returned to their previous growth trajectory while small loans outstanding continued to decline. Furthermore, much of the drop in small business loans outstanding was evident at community banks. To address this perceived lack of supply of credit to small businesses, the Small Business Lending Fund (SBLF) was created as part of the 2010 Small Business Jobs Act. The fund was intended to provide community banks with low-cost funding that they could then lend to their small business customers. As of December 31, 2013, the U.S. Department of the Treasury reports that SBLF participants had increased their small business lending by $12.5 billion over their baseline numbers. The current paper uses Call Report data from community banks and thrift institutions to look at the impact of receiving funds from SBLF on their small business lending. The analysis controls for economic and demographic conditions, market structure and competition. Simple regression estimates indicate that participants in the SBLF program increased their small business lending by about 10 percent more than their non-participating counterparts, in line with numbers reported by Treasury. However, estimates that control for the ongoing growth path in small business lending indicate no statistically significant impact of SBLF participation on small business lending.
Download or read book The Impact of the Small Business Lending Fund on Community Bank Lending to Small Businesses written by Federal Reserve Federal Reserve Board and published by CreateSpace. This book was released on 2015-04-27 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the financial crisis, total outstanding loans to businesses by commercial banks dropped off substantially. Large loans outstanding began to rebound by the third quarter of 2010 and essentially returned to their previous growth trajectory while small loans outstanding continued to decline. Furthermore, much of the drop in small business loans outstanding was evident at community banks. To address this perceived lack of supply of credit to small businesses, the Small Business Lending Fund (SBLF) was created as part of the 2010 Small Business Jobs Act. The fund was intended to provide community banks with low-cost funding that they could then lend to their small business customers. As of December 31, 2013, the U.S. Department of the Treasury reports that SBLF participants had increased their small business lending by $12.5 billion over their baseline numbers. The current paper uses Call Report data from community banks and thrift institutions to look at the impact of receiving funds from SBLF on their small business lending. The analysis controls for economic and demographic conditions, market structure and competition. Simple regression estimates indicate that participants in the SBLF program increased their small business lending by about 10 percent more than their non-participating counterparts, in line with numbers reported by Treasury. However, estimates that control for the ongoing growth path in small business lending indicate no statistically significant impact of SBLF participation on small business lending.
Download or read book Small Businesses Access to Capital written by United States. Congress. House. Committee on Small Business and published by . This book was released on 1996 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Small Business Lending Fund written by Joshua A. Bell and published by Nova Science Publishers. This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the Small Business Lending Fund, with a focus on the supply and demand for small business loans. Congressional interest in small businesses reflects, in part, concerns about economic growth and unemployment. Small businesses, defined as having fewer than 500 employees, have played an important role in net employment growth during previous economic recoveries. However, recent data show that net employment growth at small businesses is not increasing at the same rate as in previous economic recoveries. Some have argued that current economic conditions make it imperative that the federal government provide additional resources to assist small businesses in acquiring capital necessary to start, continue, or expand operations and create jobs. Others worry about the long-term adverse economic effects of spending programs that increase the federal deficit.
Download or read book Small Business Lending Fund written by Office of Office of the Inspector Department of the Treasury and published by Createspace Independent Publishing Platform. This book was released on 2015-01-03 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Small Business Jobs Act of 2010 (the Act) created SBLF as a dedicated fund to encourage lending to small businesses by providing capital to qualified community banks4 and Community Development Loan Funds (CDLF). Treasury launched the SBLF program in December 2010 and by the program's September 27, 2011, funding deadline had disbursed $4.03 billion. The funds were invested in 332 financial institutions, including 281 community banks and 51 CDLFs. Of the 281 community banks, 137 used SBLF funds to refinance securities purchased under TARP's Capital Purchase Program.
Download or read book Where are We Now written by United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax and published by . This book was released on 2014 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Effects of Bank Consolidation on Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance and published by . This book was released on 1996 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.
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 Banking on Small Business written by United States. Congress. House. Committee on Small Business. Subcommittee on Regulation, Business Opportunities, and Technology and published by . This book was released on 1993 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The State Small Business Credit Initiative SSBCI written by Marcus Powell and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The SSBCI provides funding to states, territories, and eligible municipalities to expand existing or to create new state small business investment programs, including state capital access programs, collateral support programs, loan participation programs, loan guarantee programs, and venture capital programs. This book examines the SSBCI and its implementation, including Treasury's response to initial program audits conducted by the U.S. Government Accountability Office and Treasury's Office of Inspector General. These audits suggested that SSBCI participants were generally complying with the statute's requirements, but that some compliance problems existed, in that, the Treasury's oversight of the program could be improved; and performance measures were needed to assess the program's efficacy.
Download or read book Access to Capital written by United States. Congress. House. Committee on Small Business and published by . This book was released on 2011 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bank Deregulation and Its Impact on Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and published by . This book was released on 1982 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Securitization of Small Business Loans written by Christopher Beshouri and published by . This book was released on 1994 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Small Business Administration Lending Programs written by United States. Congress. Senate. Select Committee on Small Business and published by . This book was released on 1966 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considers proposed curtailments in SBA loan programs.
Download or read book Digital Banking Support to Small Businesses Amid COVID 19 written by Tao Sun and published by International Monetary Fund. This book was released on 2021-06-29 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: This note analyzes the economic impact of digital lending to micro and small sized enterprises (MSEs) in China during the coronavirus disease (COVID-19) pandemic. A preliminary analysis of a large pool of MSEs served by a digital bank indicates that digital banks were able to remotely evaluate borrowers and sustain lending during the pandemic, thereby facilitating the business continuity, sales growth, and financial inclusiveness of MSEs. In the global context, a policy framework—leveraging the advantages of digital banks and empowering digital banks, while guarding against possible financial stability risks—would further support small businesses during and after the COVID-19 pandemic.
Download or read book Subcommittee Hearing on the Effect of the Credit Crunch on Small Business Access to Capital written by United States. Congress. House. Committee on Small Business. Subcommittee on Finance and Tax and published by . This book was released on 2008 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Entrepreneur Equation written by Michael Port and published by ReadHowYouWant.com. This book was released on 2011-04 with total page 438 pages. Available in PDF, EPUB and Kindle. Book excerpt: It's time to drop the rose-colored glasses and face the facts: most new businesses fail, with often devastating consequences for the would-be entrepreneur. The Entrepreneur Equation helps you do the math before you set down the entrepreneurial path so that you can answer more than just Could I be an entrepreneur? but rather Should I be an entrepreneur?. By understanding what it takes to build a valuable business as well as how to assess the risks and rewards of business ownership based on your personal circumstances, you can learn how to stack the odds of success in your favor and ultimately decide if business ownership is the best possible path for you, now or ever.Through illustrative examples and personalized exercises, tell-it-like-it-is Carol Roth helps you create and evaluate your own personal Entrepreneur Equation as you: Learn what it takes to be a successful entrepreneur in today's competitive environment. Save money, time and effort by avoiding business ownership when the time isn't right for you.Identify and evaluate the risks and rewards of a new business based on your goals and circumstances. Evaluate whether your dreams are best served by a hobby, job or business. Gain the tools that you need to maximize your business success. The Entrepreneur Equation is essential reading for the aspiring entrepreneur. Before you invest your life savings, invest in this book!
