Author: United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 272
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Distributed to some depository libraries in microfiche.
Author: Kathleen A. Thomas
Publisher:
ISBN:
Category : Bank mergers
Languages : en
Pages : 53
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Book Description
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 256
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Author: Emilia Bonaccorsi di Patti
Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 48
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Author: United States. Office of the Comptroller of the Currency
Publisher:
ISBN:
Category : Bank mergers
Languages : en
Pages : 56
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Author: United States. Congress. House. Committee on the Judiciary
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 120
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Author: Rebel A. Cole
Publisher:
ISBN:
Category :
Languages : en
Pages : 24
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Book Description
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.
Author: United States. Office of the Comptroller of the Currency
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 56
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Author: Mr.Gianni De Nicolo
Publisher: International Monetary Fund
ISBN: 1451857608
Category : Business & Economics
Languages : en
Pages : 46
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This paper documents global trends in bank activity, consolidation, internationalization, and financial firm conglomeration, and explores the extent to which financial firm risk and systemic risk potential in banking are related to consolidation and conglomeration. We find that while there is a substantial upward trend in conglomeration globally, consolidation and internationalization exhibit uneven patterns across world regions. Trends in consolidation and conglomeration indicate increased risk profiles for large, conglomerate financial firms, and higher levels of systemic risk potential for more concentrated banking systems. We outline research directions aimed at explaining why bank consolidation and conglomeration do not necessarily yield either safer financial firms or more resilient banking systems.
Author: United States Congress
Publisher: Forgotten Books
ISBN: 9780365878803
Category : Business & Economics
Languages : en
Pages : 264
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Book Description
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.
