Out-of-state Holding Company Affiliation and Small Business Lending PDF Download
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Author: Gary Whalen
Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 42
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Book Description
Author: Gary Whalen
Publisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 42
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Book Description
Author:
Publisher:
ISBN:
Category : Agriculture
Languages : en
Pages : 144
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Book Description
Author: Marcus Powell
Publisher: Nova Science Publishers
ISBN: 9781624174827
Category : Federal aid to small business
Languages : en
Pages : 0
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Book Description
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.
Author: N. Allen Berger
Publisher: World Bank Publications
ISBN: 9080401536
Category :
Languages : en
Pages : 52
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Book Description
August 2001 Large and foreign-owned institutions may have difficulty extending relationship loans to informationally opaque small firms. Bank distress does not appear to affect small business lending, although even small firms may react to bank distress by borrowing from multiple banks. Consolidation of the banking industry is shifting assets into larger institutions that often operate in many nations. Large international financial institutions are geared toward serving large wholesale customers. How does this affect the banking system's ability to lend to informationally opaque small businesses? Berger, Klapper, and Udell test hypotheses about the effects of bank size, foreign ownership, and distress on lending to informationally opaque small firms, using a rich new data set on Argentinean banks, firms, and loans. They also test hypotheses about borrowing from a single bank versus borrowing from several banks. Their results suggest that large and foreign-owned institutions may have difficulty extending relationship loans to opaque small firms, especially if small businesses are delinquent in repaying their loans. Bank distress resulting from lax prudential supervision and regulation appears to have no greater effect on small borrowers than on large borrowers, although even small firms may react to bank distress by borrowing from multiple banks, despite raising borrowing costs and destroying some of the benefits of exclusive lending relationships. This paper--a product of Finance, Development Research Group--is part of a larger effort in the group to study small and medium size firm financing. The authors may be contacted at
[email protected],
[email protected], or
[email protected].
Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 208
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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 : 248
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Book Description
Author: Dan Immergluck
Publisher: Routledge
ISBN: 131549812X
Category : Business & Economics
Languages : en
Pages : 329
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Book Description
This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Author:
Publisher:
ISBN:
Category : Bank failures
Languages : en
Pages :
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Author: United States
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 1478
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Book Description
Author:
Publisher: Government Printing Office
ISBN:
Category :
Languages : en
Pages : 1378
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Book Description
