Download or read book The Impact of Bank Consolidation on Small Business Credit Availability written by Steven Gael Craig and published by . This book was released on 2004 with total page 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 The Effects of Bank Consolidation and Market Entry on Small Business Lending written by Emilia Bonaccorsi di Patti and published by . This book was released on 2001 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Banking Consolidation and the Availability of Credit to Small Businesses written by Rebel A. Cole and published by . This book was released on 2007 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this study, we use firm-level data from the 1993 National Survey of Small Business Finances to test the hypothesis that banking consolidation has reduced the availability of credit to small businesses. We find that banks in markets where mergers have occurred are more likely than other banks to deny credit to small business loan applicants. However, this relationship disappears after we control for characteristics of the small business firm and its principal owner, the economic environment of the market where the firm is located, and the financial condition of the prospective lender. Moreover, we find that one set of banks, those in the process of acquiring other banks, are less likely to deny credit to small businesses. These results suggest that consolidation in the banking industry may have enhanced rather than restricted the availability of credit to small businesses. However, the data reflect credit availability during 1991-94, and may not be representative of subsequent credit conditions. Nor does the analysis rule out possible changes in the terms of credit available to small businesses.
Download or read book The Effects of Bank Mergers on Credit Availability written by Emilia Bonaccorsi di Patti and published by . This book was released on 2004 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk written by Allen N. Berger and published by DIANE Publishing. This book was released on 2010-06 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a positive relationship between the use of credit scoring for small business (SB) loans and SB credit availability. This report employs data from a new survey on the use of credit scoring in SB lending, primarily by community banks. The survey evidence suggests that the use of credit scores in SB lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the SB owners rather than the more encompassing SB credit scores that include data on the firms as well as on the owners. This empirical analysis suggests that credit scoring is associated with increased SB lending after a learning period, with no material change in the quality of the loan portfolio. Charts ad tables.
Download or read book The Impact of Banking Restructuring Proposals on Small Businesses Access to Credit written by United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization and published by . This book was released on 1991 with total page 248 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 and published by Forgotten Books. This book was released on 2018-10-09 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from The Effects of Bank Consolidation on Small Business Lending: Joint Hearing Before the Subcommittee on Taxation and Finance, and the Subcommittee on Government Programs of the Committee on Small Business, House of Representatives, One Hundred Fourth Congress, Second Session, Boston, Ma, March 4, 1996 During the past few years, my bank, Danvers Savings Bank, has focused on small business lending. We were the first mutual sav ings bank in the country to be designated a preferred lender by the Small Business Administration. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.
Download or read book Bank Consolidation and Small Business Lending written by Federal Reserve Federal Reserve Board of Governors and published by Createspace Independent Publishing Platform. This book was released on 2016-01-14 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how bank merger and acquisition activity affected small business lending in local U.S. banking markets between 1994 and 2000, focusing particularly on the role that community banks played in determining the ultimate effects of consolidation. During the 1994-1997 period, we find evidence that consolidation activity involving big banks was associated with lower loan growth, whereas community bank consolidations and a greater presence of community banks in the market were associated with higher loan growth. During the 1997-2000 period, consolidation activity was either unrelated to small business loan growth or associated with higher loan growth, suggesting that the dynamics of consolidation activity had changed. In both periods, we find evidence that consolidation presented an opportunity for community banks. Once adjustments are made for reclassifications in the size category of organizations due to consolidation or asset growth, we find that the share of small business lending funded by community banks rose during both study periods-particularly in markets undergoing consolidation.
Download or read book On Bank Consolidation in a Currency Union written by Fabio Di Vittorio and published by International Monetary Fund. This book was released on 2018-04-24 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper focuses on the impact of diversification on bank performance and how consolidation through mergers and acquisitions (M&A) affects the banking sector’s stability in the Eastern Caribbean Currency Union (ECCU). The paper finds that a lower level of loan portfolio diversification explains higher non-performing loans and earnings volatility of indigenous banks, as compared to foreign competitors in the ECCU. We then simulate bank mergers both within and across ECCU countries by combining individual banks’ balance sheets. The simulation shows that a typical indigenous bank could better diversify against its idiosyncratic risk by merging with other banks across the border. In addition, we point out that M&A, leading to a more asymmetric banking sector, may increase systemic risk.
Download or read book Bank Consolidation and Small Business Lending written by Joe Peek and published by . This book was released on 1997 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bank Consolidation and the Provision of Banking Services written by Katherine Samolyk and published by . This book was released on 2002 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines how bank small business lending in local markets was related to bank merger activity during the mid-1990s. The authors use deposit data reported at the branch level to impute the distribution of bank small business loans across urban and rural markets; they then study the link between various types of merger activity and the growth of small business lending in the local market. Multivariate tests indicate that bank consolidation is more broadly linked to lower estimated loan growth in rural markets than in urban ones. However, there is also evidence of lower small business loan growth in concentrated urban markets that are experiencing within-market merger activity. And, consistent with bank-level research, bank consolidation mainly involving mergers between smaller banks tends to be associated with greater small business credit availability in local banking markets. Finally, the authors validate their empirical strategy by comparing their geographic loan estimates to geographic loan originations reported since 1996 by larger institutions under the auspices of the Community Reinvestment Act.
Download or read book The Consolidation of the Financial Services Industry written by Allen N. Berger and published by . This book was released on 1998 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This article designs a framework for evaluating the causes, consequences, and future implications of financial services industry consolidation, reviews the extant research literature within the context of this framework (over 250 references), and suggests fruitful avenues for future research. The evidence is consistent with increases in market power from some types of consolidation; improvements in profit efficiency and diversification of risks, but little or no cost efficiency improvements on average; relatively little effect on the availability of services to small customers; potential improvements in payments system efficiency; and potential costs on the financial system from increasing systemic risk or expanding the financial safety net"--Abstract.
Download or read book Consolidation in the United States Banking Industry and Its Impact on Small Business Access to Credit written by Kathleen A. Thomas and published by . This book was released on 2004 with total page 53 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. Committe and published by Hardpress Publishing. This book was released on 2013-12 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unlike some other reproductions of classic texts (1) We have not used OCR(Optical Character Recognition), as this leads to bad quality books with introduced typos. (2) In books where there are images such as portraits, maps, sketches etc We have endeavoured to keep the quality of these images, so they represent accurately the original artefact. Although occasionally there may be certain imperfections with these old texts, we feel they deserve to be made available for future generations to enjoy.
Download or read book Small Business Credit Availability and Relationship Lending written by Allen N. Berger and published by . This book was released on 2014 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper models the inner workings of relationship lending, the implications for bank organizational structure, and the effects of shocks to the economic environment on the availability of relationship credit to small businesses. Relationship lending depends on the accumulation over time by the loan officer of quot;softquot; information. Because the loan officer is the repository of this soft information, agency problems are created throughout the organization that are best resolved by structuring the bank as a small, closely-held organization with few managerial layers. The shocks analyzed include technological innovations, regulatory regime shifts, banking industry consolidation, and monetary policy shocks.
Download or read book Bank Acquisition Determinants written by Robert R. Moore and published by . This book was released on 1997 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Reserve Bank of Dallas presents the full text of the April 1997 working paper entitled "Bank Acquisition Determinants: Implications for Small Business Credit," written by Robert R. Moore. The text is available in PDF format. This paper discusses banking consolidation and argues that smaller, unknown borrowers are most likely to rely on bank credit.