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Bank Mergers and Small Firm Financing

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  • Scott, Jonathan A
  • Dunkelberg, William C
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    Abstract

    In this study the effect of bank mergers on the most recent attempt to obtain financing from a sample U.S. small firms in the mid-1990s is examined. Banking mergers, which affected about 25% of the firms responding to the survey, had no significant effect on the ability of small firms to obtain a loan or the contract loan rate on the most recent loan from a commercial bank. However, the incidence of mergers does appear to increase nonprice loan terms, increase the incidence of related fees for services, raise the frequency of searching for a new bank, and result in deterioration of service quality Little evidence is found that the most informationally opaque firms (e.g., the smallest firms) bear a higher cost from mergers than do less informationally opaque firms.

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    Bibliographic Info

    Article provided by Blackwell Publishing in its journal Journal of Money, Credit and Banking.

    Volume (Year): 35 (2003)
    Issue (Month): 6 (December)
    Pages: 999-1017

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    Handle: RePEc:mcb:jmoncb:v:35:y:2003:i:6:p:999-1017

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    Web page: http://www.blackwellpublishing.com/journal.asp?ref=0022-2879

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    Cited by:
    1. Jarko Fidrmuc & Christa Hainz, 2008. "Integrating with their Feet: Cross-Border Lending at the German-Austrian Border," CESifo Working Paper Series 2279, CESifo Group Munich.
    2. Hans Degryse & Nancy Masschelein & Janet Mitchell, 2004. "SMEs and Bank Lending Relationships: the Impact of Mergers," Working Paper Research 46, National Bank of Belgium.
    3. Jonathan Scott, 2004. "Small Business and the Value of Community Financial Institutions," Journal of Financial Services Research, Springer, vol. 25(2), pages 207-230, April.
    4. Judit Montoriol-Garriga, 2008. "Bank mergers and lending relationships," Working Paper Series 934, European Central Bank.
    5. Marco Celentani & MiguelGarcía-Posada & Teresa Molina, 2010. "Profesionalización e internalización de las decisiones económico-financieras. Evidencia empírica sobre las Pymes manufactureras en España," Economic Reports 03-2010, FEDEA.
    6. Evren Damar, H., 2007. "Does post-crisis restructuring decrease the availability of banking services? The case of Turkey," Journal of Banking & Finance, Elsevier, vol. 31(9), pages 2886-2905, September.

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