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Why small business lending isn’t what it used to be

Author

Listed:
  • Scott Shane
  • Ann Marie Wiersch

Abstract

Since the Great Recession, bank lending to small businesses has fallen significantly, and policymakers have become concerned that these businesses are not getting the credit they need. Many reasons have been suggested for the decline. Our analysis shows that it has multiple sources, which means that trying to address any single factor may be ineffective or make matters worse. Any intervention should take all of the many causes of the decline in small business lending into consideration.

Suggested Citation

  • Scott Shane & Ann Marie Wiersch, 2013. "Why small business lending isn’t what it used to be," Economic Commentary, Federal Reserve Bank of Cleveland, issue Aug.
    • Handle: RePEc:fip:fedcec:y:2013:i:aug14:n:2013-10
    DOI: 10.26509/frbc-ec-201310
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    Citations

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    Cited by:

    1. Julapa Jagtiani & Catharine Lemieux, 2016. "Small Business Lending After the Financial Crisis: A New Competitive Landscape for Community Banks," Economic Perspectives, Federal Reserve Bank of Chicago, issue 3.
    2. Jagtiani, Julapa & Lemieux, Catharine, 2016. "Small Business Lending: Challenges and Opportunities for Community Banks," Working Papers 16-02, University of Pennsylvania, Wharton School, Weiss Center.
    3. Heil, Mark, 2019. "Missing the cut? How threshold effects distort U.S. small business lending trends," Finance Research Letters, Elsevier, vol. 28(C), pages 82-86.
    4. Alex Fayman & Su‐Jane Chen & Timothy Mayes, 2022. "Community banks versus non‐community banks: Post the Great Recession," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 51(2), July.

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