Banking Consolidation and the Availability of Credit to Small Businesses
نویسندگان
چکیده
منابع مشابه
The Impact of Bank Consolidation on Small Business Credit Availability
The statements, findings, conclusions, and recommendations found in this study are those of the authors and do not necessarily reflect the views of the Office of Advocacy, the United States Small Business Administration, or the United States Government. Executive Summa ry This research examines the implications to the amount of credit available to small businesses from the rapid and pervasive c...
متن کاملSmall Business Credit Scoring and Credit Availability
U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues. JEL classification: G21, G28, G34, L23
متن کاملthe study of practical and theoretical foundation of credit risk and its coverage
پس از بررسی هر کدام از فاکتورهای نوع صنعت, نوع ضمانت نامه, نرخ بهره , نرخ تورم, ریسک اعتباری کشورها, کارمزد, ریکاوری, gdp, پوشش و وثیقه بر ریسک اعتباری صندوق ضمانت صادرات ایران مشخص گردید که همه فاکتورها به استثنای ریسک اعتباری کشورها و کارمزد بقیه فاکتورها رابطه معناداری با ریسک اعتباری دارند در ضمن نرخ بهره , نرخ تورم, ریکاوری, و نوع صنعت و ریسک کشورها اثر عکس روی ریسک اعتباری داردو پوشش, وثی...
15 صفحه اولBoard of Governors of the Federal Reserve System Report to the Congress on the Availability of Credit to Small Businesses
Section 2227 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 requires the Board of Governors of the Federal Reserve System to conduct a study and submit a report every five years to Congress detailing the extent of small business lending by all creditors. The act specifies that the study should identify factors that provide policymakers with insight into the small business...
متن کاملEntrepreneurial Optimism, Credit Availability, and Cost of Financing: Evidence from U.S. Small Businesses
Does entrepreneurial optimism affect the credit availability to small firms and their cost of financing? Using a large sample of U.S. small businesses and a new measure of optimism, we find that higher levels of optimism result in significantly higher leverage. In addition, we find that firms with optimistic entrepreneurs tend to use more short-term debt. We do not find evidence that banks curt...
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ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 1998
ISSN: 1556-5068
DOI: 10.2139/ssrn.1007062