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The evolution of bank lending to small business

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Author Info

  • Joe Peek
  • Eric Rosengren

Abstract

This article examines how consolidation, along with the use of credit-scoring models for lending, may be reflected in recent patterns of small business lending by banks. The authors find that the market for small business lending has been substantially influenced both by the wave of bank consolidations and by the adoption of efficiency-enhancing information technologies at banks.

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File URL: http://www.bostonfed.org/economic/neer/neer1998/neer298c.htm
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File URL: http://www.bostonfed.org/economic/neer/neer1998/neer298c.pdf
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Bibliographic Info

Article provided by Federal Reserve Bank of Boston in its journal New England Economic Review.

Volume (Year): (1998)
Issue (Month): Mar ()
Pages: 27-36

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Handle: RePEc:fip:fedbne:y:1998:i:mar:p:27-36

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Related research

Keywords: Small business ; Bank loans;

References

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  1. Allen N. Berger & Anil K. Kashyap & Joseph M. Scalise, 1995. "The Transformation of the U.S. Banking Industry: What a Long, Strange Trips It's Been," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 26(2), pages 55-218.
  2. Allen N. Berger & Anthony Saunders & Joseph M. Scalise & Gregory F. Udell, 1998. "The Effects of Bank Mergers and Acquisitions on Small Business Lending," New York University, Leonard N. Stern School Finance Department Working Paper Seires 98-007, New York University, Leonard N. Stern School of Business-.
  3. Keeton, William R., 1995. "Multi-Office Bank Lending To Small Businesses: Some New Evidence," Proceedings: 1995 Regional Committee NC-207, October 16-17, 1995, Kansas City, Missouri 131493, Regional Research Committee NC-1014: Agricultural and Rural Finance Markets in Transition.
  4. Philip E. Strahan & James Weston, 1996. "Small business lending and bank consolidation: is there cause for concern?," Current Issues in Economics and Finance, Federal Reserve Bank of New York, vol. 2(Mar).
  5. Joe Peek & Eric Rosengren, 1995. "The effects of interstate branching on small business lending," Proceedings 462, Federal Reserve Bank of Chicago.
  6. William R. Keeton, 1995. "Multi-office bank lending to small businesses: some new evidence," Economic Review, Federal Reserve Bank of Kansas City, issue Q II, pages 45-57.
  7. Nicholas Walraven, 1997. "Small business lending by banks involved in mergers," Finance and Economics Discussion Series 1997-25, Board of Governors of the Federal Reserve System (U.S.).
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Citations

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Cited by:
  1. Loretta J. Mester, 1999. "Banking industry's consolidation: what's a small business to do?," Business Review, Federal Reserve Bank of Philadelphia, issue Jan, pages 3-16.
  2. Glenn Yago & Betsy Zeidman & Alethea Abuyuan, 2007. "A history of emerging domestic markets," Community Development Investment Review, Federal Reserve Bank of San Francisco, pages 1-22.
  3. Michael Devaney & William Weber, 2002. "Small-Business Lending and Profit Efficiency in Commercial Banking," Journal of Financial Services Research, Springer, vol. 22(3), pages 225-246, December.
  4. Alexander Cobham, . "The Financing and Technology Decisions of SMEs: II. Technology and Policy," QEH Working Papers qehwps25, Queen Elizabeth House, University of Oxford.

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