Stress Tests and Small Business Lending

2018 ◽  
Author(s):  
Kristle Romero Cortts ◽  
Yuliya S. Demyanyk ◽  
Lei Li ◽  
Elena Loutskina ◽  
Philip E. Strahan
Keyword(s):  
Small Business ◽  
Stress Tests ◽  
Small Business Lending

scholarly journals Stress Tests and Small Business Lending

2018 ◽  
Author(s):  
Kristle Cortés ◽  
Yuliya Demyanyk ◽  
Lei Li ◽  
Elena Loutskina ◽  
Philip Strahan
Keyword(s):  
Small Business ◽  
Stress Tests ◽  
Small Business Lending

Stress tests and small business lending

2020 ◽  
Vol 136 (1) ◽  
pp. 260-279 ◽  
Author(s):  
Kristle R. Cortés ◽  
Yuliya Demyanyk ◽  
Lei Li ◽  
Elena Loutskina ◽  
Philip E. Strahan
Keyword(s):  
Small Business ◽  
Stress Tests ◽  
Small Business Lending

scholarly journals Have Stress Tests Impacted Small-Business Lending?

2019 ◽  
pp. 1-6
Author(s):  
Yuliya Demyanyk
Keyword(s):  
Small Business ◽  
Federal Reserve ◽  
Small Businesses ◽  
Banking System ◽  
Economic Conditions ◽  
Bank Holding Companies ◽  
Stress Tests ◽  
Small Business Lending ◽  
Holding Companies ◽  
The Impact

The Federal Reserve conducts stress tests of the largest bank holding companies to ensure that the banking system has sufficient capital to stay financially sound in the event of worsening economic conditions. Some groups have raised concerns that the stress tests will reduce lending to small businesses. This article describes recent research investigating the impact of the stress tests on small-business lending. It finds that the banks that are most affected by stress tests have reduced their small-business credit, but aggregate credit to small businesses has not fallen.

scholarly journals Effects of Regional Bank Merger on Small Business Borrowing: Evidence from Japan

2015 ◽  
Vol 7 (11) ◽  
pp. 62
Author(s):  
Hironobu Miyazaki ◽  
Hiroyuki Aman
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Economies Of Scale ◽  
Loan Portfolio ◽  
Small Business Lending ◽  
Borrowing Costs ◽  
Bank Merger ◽  
Regional Bank ◽  
Small Business Loans ◽  
The Impact

This study examines the impact of a regional bank merger in Japan on borrowing by small businesses, focusing on firms that borrow from the acquiring bank, the acquired bank, or both. First, we find that post-merger borrowing costs declined. This result suggests that small borrowers enjoy more favorable post-merger financing conditions because efficiencies from economies of scale lead to lower costs. Second, we<strong> </strong>find that post-merger borrowing costs decline for firms that borrow only from the acquiring or acquired bank, whereas they did not decline for firms that borrow from both. Third, we find that only small business loans to firms that borrow from both the acquiring and acquired banks decrease post-merger. This result suggests that small business lending might decline because of a merged bank’s loan portfolio and lending strategy.

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