The Effect of Credit Scoring on Small-Business Lending

2001 ◽  
Vol 33 (3) ◽  
pp. 813 ◽  
Author(s):  
W. Scott Frame ◽  
Aruna Srinivasan ◽  
Lynn Woosley
Keyword(s):  
Small Business ◽  
Credit Scoring ◽  
Small Business Lending

Credit Scoring and Risk Management for Small Business Lending

2011 ◽  
pp. 41-82
Author(s):  
Vernon Gerety
Keyword(s):  
Risk Management ◽  
Small Business ◽  
Financial Services ◽  
Credit Scoring ◽  
Slot Machines ◽  
Financial Services Industry ◽  
Small Business Lending ◽  
Services Industry

“The house always wins” is a common reprise for the empty pocket tourist leaving the gambling tables at Vegas. You do not need to be a professional gambler to understand that the house always wins because the odds are stacked in their favor. Unfortunately, the recent conditions in the financial services industry have been tighter than the quarter slot machines in the Vegas airport.

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.

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