Fintech and Racial Barriers in Small Business Lending

2021 ◽  
Author(s):  
Celine Yue Fei ◽  
Keer Yang
Keyword(s):  
Small Business ◽  
Small Business Lending ◽  
Racial Barriers

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 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.

Small Business Lending

2016 ◽  
pp. 231-255 ◽  
Author(s):  
Santiago Carbo-Valverde ◽  
Francisco Rodríguez-Fernández
Keyword(s):  
Small Business ◽  
Small Business Lending

scholarly journals The Information Revolution and Small Business Lending: The Missing Evidence

2010 ◽  
Author(s):  
Robert DeYoung ◽  
W. Scott Frame ◽  
Dennis Glennon ◽  
Peter J. Nigro
Keyword(s):  
Small Business ◽  
Information Revolution ◽  
Small Business Lending
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