Borrower-Lender Distance, Credit Scoring, and the Performance of Small Business Loans

2006 ◽  
Author(s):  
Robert DeYoung ◽  
Dennis Glennon ◽  
Peter J. Nigro
Keyword(s):  
Small Business ◽  
Credit Scoring ◽  
Small Business Loans

Credit scoring system for small business loans

2004 ◽  
Vol 38 (1) ◽  
pp. 91-99 ◽  
Author(s):  
Ray Tsaih ◽  
Yu-Jane Liu ◽  
Wenching Liu ◽  
Yu-Ling Lien
Keyword(s):  
Small Business ◽  
Scoring System ◽  
Credit Scoring ◽  
Small Business Loans

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.

A DECISION MODEL FOR SMALL BUSINESS LOANS

1983 ◽  
Vol 1 (2) ◽  
pp. 18-27
Author(s):  
Dale Doreen ◽  
Farzad Farhoomand
Keyword(s):  
Small Business ◽  
Decision Model ◽  
Small Business Loans
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