Deregulation of Financial Institutions and Its Impact on Small Business Financing

Deregulation of Financial Institutions and Its Impact on Small Business Financing PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher:
ISBN:
Category : Banking law
Languages : en
Pages : 360

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Book Description

Deregulation of Financial Institutions and Its Impact on Small Business Financing

Deregulation of Financial Institutions and Its Impact on Small Business Financing PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher:
ISBN:
Category : Banking law
Languages : en
Pages : 360

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Book Description


Bank Deregulation and Its Impact on Small Business Lending

Bank Deregulation and Its Impact on Small Business Lending PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 284

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Current Trends in the Financial Services Industry and Their Impact on Small Business Financing

Current Trends in the Financial Services Industry and Their Impact on Small Business Financing PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher:
ISBN:
Category : Financial institutions
Languages : en
Pages : 248

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U.S. Banking Deregulation, Small Businesses, and Interstate Insurance of Personal Income

U.S. Banking Deregulation, Small Businesses, and Interstate Insurance of Personal Income PDF Author: Yuliya Demyanyk
Publisher:
ISBN:
Category :
Languages : en
Pages : 54

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Book Description
We estimate the effects of deregulation of U.S. banking restrictions on the amount of interstate personal income insurance during the period 1970-2001. Interstate income insurance occurs when personal income reacts less than one-to-one to state-specific shocks to output. We find that income insurance improved after banking deregulation, and that this effect is larger in states where small businesses are more important. We further show that the impact of deregulation is stronger for proprietors' income than other components of personal income. Our explanation of this result enters on the role of banks as a prime source of small business finance and on the close intertwining of the personal and business finances of small business owners. Our analysis casts light on the real effects of bank deregulation, on the risk sharing function of banks, and on the integration of bank markets.

The Impact of Banking Restructuring Proposals on Small Businesses' Access to Credit

The Impact of Banking Restructuring Proposals on Small Businesses' Access to Credit PDF 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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The Dodd-Frank Act

The Dodd-Frank Act PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 72

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Deregulation of Financial Institutions and Its Impact on Small Business Financing

Deregulation of Financial Institutions and Its Impact on Small Business Financing PDF Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher:
ISBN:
Category : Banking law
Languages : en
Pages : 360

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Book Description


How the Financial System Can Best be Shaped to Meet the Needs of the American People

How the Financial System Can Best be Shaped to Meet the Needs of the American People PDF Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs
Publisher:
ISBN:
Category : Bank holding companies
Languages : en
Pages : 2000

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U.S. Bank Deregulation in Historical Perspective

U.S. Bank Deregulation in Historical Perspective PDF Author: Charles W. Calomiris
Publisher: Cambridge University Press
ISBN: 0521028388
Category : Business & Economics
Languages : en
Pages : 392

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Book Description
This book shows how deregulation is transforming the size, structure, and geographic range of U.S. banks, the scope of banking services, and the nature of bank-customer relationships. Over the past two decades the characteristics that had made American banks different from other banks throughout the world--a fragmented geographical structure of the industry, which restricted the scale of banks and their ability to compete with one another, and strict limits on the kinds of products and services commercial banks could offer--virtually have been eliminated. Understanding the origins and persistence of the unique banking regulations that defined U.S. banking for over a century lends an important perspective on the economic and political causes and consequences of the current process of deregulation.

Bank Size and Systemic Risk

Bank Size and Systemic Risk PDF Author: Mr.Luc Laeven
Publisher: International Monetary Fund
ISBN: 1484363728
Category : Business & Economics
Languages : en
Pages : 34

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Book Description
The proposed SDN documents the evolution of bank size and activities over the past 20 years. It discusses whether this evolution can be explained by economies of scale or “too big to fail” subsidies. The paper then presents evidence on the extent to which bank size and market-based activities contribute to systemic risk. The paper concludes with policy messages in the area of capital regulation and activity restrictions to reduce the systemic risk posed by large banks. The analysis of the paper complements earlier Fund work, including SDN 13/04 and the recent GFSR chapter on “too big to fail” subsidies, and its policy message is in line with this earlier work.