- Traci L. Mach & John D. Wolken, 2006.
"Financial services used by small businesses: evidence from the 2003 Survey of Small Business Finances,"
Federal Reserve Bulletin,
Board of Governors of the Federal Reserve System (U.S.), issue Oct, pages A167-A195.
[Downloadable!]
Cited by:
- Kenneth P. Brevoort & John D. Wolken, 2008.
"Does distance matter in banking?,"
Finance and Economics Discussion Series
2008-34, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Robin A. Prager & John D. Wolken, 2008.
"The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances,"
Finance and Economics Discussion Series
2008-60, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Traci L. Mach & John A. Holmes, 2008.
"The use of alternative employment arrangements by small businesses: evidence from the 2003 Survey of Small Business Finances,"
Finance and Economics Discussion Series
2008-45, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Ken Cavalluzzo & John Wolken, 2005.
"Small Business Loan Turndowns, Personal Wealth, and Discrimination,"
Journal of Business,
University of Chicago Press, vol. 78(6), pages 2153-2178, November.
[Downloadable!]
Other versions: See citations under working paper version above.
- Marianne P. Bitler & Alicia M. Robb & John D. Wolken, 2001.
"Financial services used by small businesses: evidence from the 1998 survey of small business finances,"
Federal Reserve Bulletin,
Board of Governors of the Federal Reserve System (U.S.), issue Apr, pages 183-205.
[Downloadable!]
Cited by:
- Mamie Marcuss, 2004.
"Are small businesses concerned about credit?,"
Communities and Banking,
Federal Reserve Bank of Boston, issue Fall, pages 22-24.
[Downloadable!]
- Fairlie, Robert W. & Robb, Alicia M., 2004.
"Why Are Black-Owned Businesses Less Successful than White-Owned Businesses? The Role of Families, Inheritances, and Business Human Capital,"
IZA Discussion Papers
1292, Institute for the Study of Labor (IZA).
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- Alicia Robb & Robert Fairlie, 2009.
"Determinants of business success: an examination of Asian-owned businesses in the USA,"
Journal of Population Economics,
Springer, vol. 22(4), pages 827-858, October.
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- Traci L. Mach & Lieu N. Hazelwood & John D. Wolken, 2008.
"Starting small and ending big -- the effect of monetary incentives on response rates in the 2003 Survey of Small Business Finances: an observational experiment,"
Finance and Economics Discussion Series
2008-26, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Alexander S. Kritikos & Christoph Kneiding & Claas Christian Germelmann, 2008.
"Demand Side Analysis of Microlending Markets in Industrialized Countries - Evidence from Germany -,"
Working Papers
014, Hanseatic University, Germany, Department of Economics.
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- Robert Fairlie & Alicia Robb, 2005.
"Why Are Black-Owned Businesses Less Successful than White-Owned Businesses? The Role of Families, Inheritances, and Business Human Capital,"
Working Papers
05-06, Center for Economic Studies, U.S. Census Bureau.
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- Randall S. Kroszner & Philip E. Strahan, 2001.
"Obstacles to Optimal Policy: The Interplay of Politics and Economics in Shaping Bank Supervision and Regulation Reforms,"
NBER Chapters,
in: Prudential Supervision: What Works and What Doesn't, pages 233-272
National Bureau of Economic Research, Inc.
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- Christoph Kneiding & Alexander S. Kritikos, 2008.
"Funding Self-Employment – The Role of Consumer Credit,"
Working Papers
005, Hanseatic University, Germany, Department of Economics.
[Downloadable!]
Other versions: - Dodson, Charles & Duncan, Marvin, 1999.
"Does Fcs Association Size Affect Credit Availability?,"
Journal of Agricultural and Applied Economics,
Southern Agricultural Economics Association, vol. 31(02), August.
[Downloadable!]
- Dean F. Amel & Arthur B. Kennickell & Kevin B. Moore, 2008.
"Banking market definition: evidence from the Survey of Consumer Finances,"
Finance and Economics Discussion Series
2008-35, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Robin A. Prager & John D. Wolken, 2008.
"The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances,"
Finance and Economics Discussion Series
2008-60, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Kritikos, Alexander S. & Kneiding, Christoph & Germelmann, Claas Christian, 2009.
"Demand Side Analysis of Microlending Markets in Germany,"
IZA Discussion Papers
4292, Institute for the Study of Labor (IZA).
[Downloadable!]
Other versions: - Traci L. Mach & John A. Holmes, 2008.
"The use of alternative employment arrangements by small businesses: evidence from the 2003 Survey of Small Business Finances,"
Finance and Economics Discussion Series
2008-45, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Jayaratne, Jith & Wolken, John, 1999.
"How important are small banks to small business lending?: New evidence from a survey of small firms,"
Journal of Banking & Finance,
Elsevier, vol. 23(2-4), pages 427-458, February.
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Cited by:
- Doris Neuberger & Solvig Räthke, 2006.
"Microenterprises and Multiple Bank Relationships: Evidence from a Survey among Professionals,"
Thuenen-Series of Applied Economic Theory
61, University of Rostock, Institute of Economics, Germany.
[Downloadable!]
- William Keeton, 2003.
"The role of community banks in the U.S. economy,"
Economic Review,
Federal Reserve Bank of Kansas City, issue Q II, pages 15-43.
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- Ginés Hernández Cánovas & Pedro Martínez Solano, 2003.
"Relaciones Bancarias Y Sus Efectos Sobre Los Términos De La Deuda En Las Pymes,"
Working Papers. Serie EC
2003-07, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie).
[Downloadable!]
- Berger, Allen N. & Udell, Gregory F., 2005.
"A more complete conceptual framework for financing of small and medium enterprises,"
Policy Research Working Paper Series
3795, The World Bank.
[Downloadable!]
- Doris Neuberger & Solvig Räthke, 2009.
"Microenterprises and multiple bank relationships: The case of professionals,"
Small Business Economics,
Springer, vol. 32(2), pages 207-229, February.
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- Emilia Bonaccorsi di Patti & Giorgio Gobbi, 2001.
"The Effects of Bank Consolidation and Market Entry on Small Business Lending,"
Temi di discussione (Economic working papers)
404, Bank of Italy, Economic Research Department.
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- Franklin Allen & James McAndrews & Philip Strahan, 2001.
"E-Finance: An Introduction,"
Center for Financial Institutions Working Papers
01-36, Wharton School Center for Financial Institutions, University of Pennsylvania.
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Other versions: - Charles Ou, 2005.
"Banking Consolidation and Small Business Lending:A Review of Recent Research,"
The Office of Advocacy Small Business Working Papers
05ou, U.S. Small Business Administration, Office of Advocacy.
[Downloadable!]
- Judit Montoriol, 2006.
"The Efect of Relationship Lending on Firm Performance,"
Working Papers
200605, Department of Business Economics, Universitat Autonoma de Barcelona.
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- Lin, Justin Yifu & Sun, Xifang & Jiang, Ye, 2009.
"Toward a theory of optimal financial structure,"
Policy Research Working Paper Series
5038, The World Bank.
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- Allen N. Berger, 2004.
"Potential competitive effects of Basel II on banks in SME credit markets in the United States,"
Finance and Economics Discussion Series
2004-12, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
Other versions: - Allen N. Berger & Richard J. Rosen & Gregory F. Udell, 2001.
"The effect of market size structure on competition: the case of small business lending,"
Working Paper Series
WP-01-10, Federal Reserve Bank of Chicago.
[Downloadable!]
Other versions: - Allen N. Berger & Leora F. Klapper & Gregory F. Udell, 2001.
"The ability of banks to lend to informationally opaque small businesses,"
Finance and Economics Discussion Series
2001-34, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
Other versions:- Berger, Allen N. & Klapper, Leora F. & Udell, Gregory F., 2001.
"The ability of banks to lend to informationally opaque small businesses,"
Policy Research Working Paper Series
2656, The World Bank.
[Downloadable!]
- Berger, Allen N. & Klapper, Leora F. & Udell, Gregory F., 2001.
"The ability of banks to lend to informationally opaque small businesses,"
Journal of Banking & Finance,
Elsevier, vol. 25(12), pages 2127-2167, December.
[Downloadable!] (restricted)
- Allen N. Berger & Leora F. Klapper & Gegory F. Udell, 2001.
"The ability of banks to lend to informationally opaque small businesses,"
Proceedings,
Federal Reserve Bank of Chicago, issue May, pages 241-261.
- O. Emre Ergungor, 2002.
"Community banks as small business lenders: the tough road ahead,"
Working Paper
0203, Federal Reserve Bank of Cleveland.
[Downloadable!]
- David P. Ely & Kenneth J. Robinson, 2001.
"Consolidation, technology, and the changing structure of banks' small business lending,"
Economic and Financial Policy Review,
Federal Reserve Bank of Dallas, issue Q I, pages 23-32.
[Downloadable!]
- Tara Rice & Philip E. Strahan, 2008.
"Does credit supply affect small-firm finance?,"
Finance and Economics Discussion Series
2008-54, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Kevin Stiroh, 2004.
"Do Community Banks Benefit from Diversification?,"
Journal of Financial Services Research,
Springer, vol. 25(2), pages 135-160, April.
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- Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007.
"Distance, Bank Organizational Structure and Credit,"
Discussion Paper
2007-018, Tilburg University, Tilburg Law and Economic Center.
[Downloadable!]
- Nicola Cetorelli & Philip Strahan, 2004.
"Finance as a barrier to entry: bank competition and industry structure in local U.S. markets,"
Working Paper Series
WP-04-04, Federal Reserve Bank of Chicago.
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Other versions:- Nicola Cetorelli & Philip E. Strahan, 2004.
"Finance as a Barrier to Entry: Bank Competition and Industry Structure in Local U.S. Markets,"
NBER Working Papers
10832, National Bureau of Economic Research, Inc.
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- Nicola Cetorelli & Philip E. Strahan, 2006.
"Finance as a Barrier to Entry: Bank Competition and Industry Structure in Local U.S. Markets,"
Journal of Finance,
American Finance Association, vol. 61(1), pages 437-461, 02.
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- O. Emre Ergungor, 2006.
"Bank branch presence and access to credit in low-to-moderate income neighborhoods,"
Working Paper
0616, Federal Reserve Bank of Cleveland.
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- Walraven, Nicholas A., 1999.
"Lending By Rural Banks Involved In Mergers,"
Journal of Agricultural and Applied Economics,
Southern Agricultural Economics Association, vol. 31(02), August.
[Downloadable!]
- David Carter & James McNulty & James Verbrugge, 2004.
"Do Small Banks have an Advantage in Lending? An Examination of Risk-Adjusted Yields on Business Loans at Large and Small Banks,"
Journal of Financial Services Research,
Springer, vol. 25(2), pages 233-252, April.
[Downloadable!] (restricted)
- Robin A. Prager & John D. Wolken, 2008.
"The evolving relationship between community banks and small businesses: evidence from the Surveys of Small Business Finances,"
Finance and Economics Discussion Series
2008-60, Board of Governors of the Federal Reserve System (U.S.).
[Downloadable!]
- Sherrill Shaffer, 2008.
"Financial Performance Of Small Business Loans: Indirect Evidence,"
CAMA Working Papers
2008-28, Australian National University, Centre for Applied Macroeconomic Analysis.
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- Berger, Allen N. & Rosen, Richard J. & Udell, Gregory F., 2005.
"Does Market Size Structure Affect Competition? The Case of Small Business Lending,"
CEI Working Paper Series
2005-8, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
[Downloadable!]
Other versions: - Okuda, Hidenobu & Rungsomboon, Suvadee, 2005.
"The Effects of Foreign Bank Entry on the Thai Banking Market: Empirical Analysis from 1990 to 2002,"
CEI Working Paper Series
2004-20, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
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- Okuda, Hidenobu & Rungsomboon, Suvadee, 2005.
"Comparative Cost Study of Foreign and Thai Domestic Banks 1990-2002: Estimating Cost Functions of the Thai Banking Industry,"
CEI Working Paper Series
2004-19, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
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- Ken Cavalluzzo & Linda Cavalluzzo & John Wolken, 1999.
"Competition, small business financing, and discrimination: evidence from a new survey,"
Proceedings,
Federal Reserve Bank of Chicago, issue Mar, pages 180-266.
[Downloadable!]
Other versions: See citations under working paper version above.
- Wolken, John D., 1998.
""New" data sources for research on small business finance,"
Journal of Banking & Finance,
Elsevier, vol. 22(6-8), pages 1067-1076, August.
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Cited by:
- Charles Ou, 2004.
"Statistical Databases for Economic Research on the Financing of Small Firms in the United States,"
The Office of Advocacy Small Business Working Papers
04ou, U.S. Small Business Administration, Office of Advocacy.
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- Bent E. Sørensen & Maria Jose Luengo-Prado, 2005.
"What Can Explain Excess Smoothness and Sensitivity of State-Level Consumption?,"
Working Papers
2005-03, Department of Economics, University of Houston.
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Other versions: - Demyanyk, Yuliya & Ostergaard, Charlotte & Sorensen, Bent E, 2006.
"US Banking Deregulation, Small Businesses and Interstate Insurance of Personal Income,"
CEPR Discussion Papers
5863, C.E.P.R. Discussion Papers.
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Other versions:- Bent E. Sørensen & Yuliya Demyanyk & Charlotte Ostergaard, 2005.
"U.S. Banking Deregulation, Small Businesses,and Interstate Insurance of Personal Income,"
Working Papers
2005-02, Department of Economics, University of Houston.
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- Yuliya Demyanyk & Charlotte Ostergaard & Bent E. Sørensen, 2006.
"FU.S. banking deregulation, small businesses, and interstate insurance of personal income,"
Working Paper
2006/09, Norges Bank.
[Downloadable!]
- Yuliya Demyanyk & Charlotte Ostergaard & Bent E. Sørensen, 2007.
"U.S. Banking Deregulation, Small Businesses, and Interstate Insurance of Personal Income,"
Journal of Finance,
American Finance Association, vol. 62(6), pages 2763-2801, December.
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- Thomas Åstbro & Irwin Bernhardt, 2005.
"The Winner’s Curse of Human Capital,"
Small Business Economics,
Springer, vol. 24(1), pages 63-78, February.
[Downloadable!] (restricted)
- Thomas Astebro & Irwin Bernhardt, 1999.
"The Winners Curse of Human Capital,"
Working Papers
99-5, Center for Economic Studies, U.S. Census Bureau.
[Downloadable!]
- Rebel A. Cole & John D. Wolken & R. Louise Woodburn, 1996.
"Bank and nonbank competition for small business credit: evidence from the 1987 and 1993 national surveys of small business finances,"
Federal Reserve Bulletin,
Board of Governors of the Federal Reserve System (U.S.), issue Nov, pages 983-995.
Cited by:
- Hui Chen & Jianjun Miao & Neng Wang, 2009.
"Entrepreneurial Finance and Non-diversifiable Risk,"
NBER Working Papers
14848, National Bureau of Economic Research, Inc.
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Other versions: - Degryse, H.A. & Cerqueiro, G.M. & Ongena, S., 2007.
"Distance, Bank Organizational Structure and Credit,"
Discussion Paper
2007-018, Tilburg University, Tilburg Law and Economic Center.
[Downloadable!]
- Rebel A. Cole & John D. Wolken, 1995.
"Financial services used by small businesses: evidence from the 1993 National Survey of Small Business Finances,"
Federal Reserve Bulletin,
Board of Governors of the Federal Reserve System (U.S.), issue Jul, pages 629-667.
Cited by:
- Enrico Colombatto & Arie Melnik, 2008.
"The Capital Structure of Young Firms and the Working Experience of New Entrepreneurs,"
ICER Working Papers
08-2008, ICER - International Centre for Economic Research.
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- Gregory E. Elliehausen & John D. Wolken, 1992.
"Banking markets and the use of financial services by households,"
Federal Reserve Bulletin,
Board of Governors of the Federal Reserve System (U.S.), issue Mar, pages 169-181.
Cited by:
- Astrid A. Dick, 2002.
"Demand estimation and consumer welfare in the banking industry,"
Finance and Economics Discussion Series
2002-58, Board of Governors of the Federal Reserve System (U.S.).
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- Walraven, Nicholas A., 1999.
"Lending By Rural Banks Involved In Mergers,"
Journal of Agricultural and Applied Economics,
Southern Agricultural Economics Association, vol. 31(02), August.
[Downloadable!]
- Andrew M. Cohen & Michael J. Mazzeo, 2004.
"Using market structure to assess differentiation between retail depository institutions,"
Proceedings,
Federal Reserve Bank of Chicago, issue May, pages 255-266.
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- Thomas Durkin & Gregory Elliehausen, 1998.
"The Cost Structure of the Consumer Finance Industry,"
Journal of Financial Services Research,
Springer, vol. 13(1), pages 71-86, February.
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- Andew Cohen & Michael Mazzeo, 2004.
"Market structure and competition among retail depository institutions,"
Finance and Economics Discussion Series
2004-04, Board of Governors of the Federal Reserve System (U.S.).
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- Wolken, John D. & Rose, John T., 1991.
"Dominant banks, market power, and out-of-market productive capacity,"
Journal of Economics and Business,
Elsevier, vol. 43(3), pages 215-229, August.
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Cited by:
- Kwangwoo Park & George Pennacchi, 2007.
"Harming depositors and helping borrowers: the disparate impact of bank consolidation,"
Working Paper
0704, Federal Reserve Bank of Cleveland.
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- Anthony M. Santomero & David L. Eckles, 2000.
"The determinants of success in the new financial services environment: now that firms can do everything, what should they do and why should regulators care?,"
Economic Policy Review,
Federal Reserve Bank of New York, issue Oct, pages 11-23.
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- Kwangwoo Park & George G. Pennachi, 2004.
"Harming depositors and helping borrowers: the disparate impact of bank consolidation,"
Proceedings,
Federal Reserve Bank of Chicago, issue May, pages 227-242.
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- Gregory E. Elliehausen & John D. Wolken, 1990.
"Banking markets and the use of financial services by small and medium- sized businesses,"
Federal Reserve Bulletin,
Board of Governors of the Federal Reserve System (U.S.), issue Oct, pages 801-817.
Other versions: See citations under working paper version above.
- Daskin, Alan J. & Wolken, John D., 1989.
"An empirical investigation of the critical herfindahl index in banking,"
Journal of Economics and Business,
Elsevier, vol. 41(2), pages 95-105, May.
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Cited by:
- Elijah Brewer, III & William E. Jackson, III, 2004.
"The “risk-adjusted” price-concentration relationship in banking,"
Working Paper
2004-35, Federal Reserve Bank of Atlanta.
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- Derrick, Frederick W & Wolken, John D, 1985.
"The Effects of Price Aggregation Bias in Systems of Demand Equations,"
Journal of Business & Economic Statistics,
American Statistical Association, vol. 3(4), pages 325-31, October.
Cited by:
- Fisher, Brian S. & Wall, Charles A., 1990.
"Supply Response In The Australian Sheep Industry: A Profit Function Approach,"
Australian Journal of Agricultural Economics,
Australian Agricultural and Resource Economics Society, vol. 34(02), August.
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- Wolken, John D & Navratil, Frank J, 1981.
"The Economic Impact of the Federal Credit Union Usury Ceiling,"
Journal of Finance,
American Finance Association, vol. 36(5), pages 1157-68, December.
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Cited by:
- David Hillier & Allan Hodgson & Peta Stevenson-Clarke & Suntharee Lhaopadchan, 2008.
"Accounting Window Dressing and Template Regulation: A Case Study of the Australian Credit Union Industry,"
Journal of Business Ethics,
Springer, vol. 83(3), pages 579-593, December.
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- Howard Bodenhorn, 2005.
"Usury Ceilings, Relationships and Bank Lending Behavior: Evidence from Nineteenth Century,"
NBER Working Papers
11734, National Bureau of Economic Research, Inc.
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- Wolken, John D & Navratil, Frank J, 1980.
" Economies of Scale in Credit Unions: Further Evidence,"
Journal of Finance,
American Finance Association, vol. 35(3), pages 769-77, June.
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Cited by:
- Neil Esho, 2000.
"Scale Economies in Credit Unions: Accounting for Subsidies Is Important,"
Journal of Financial Services Research,
Springer, vol. 18(1), pages 29-43, October.
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- Alexander Sibbald & Lynn McAlevey, 2003.
"Examination of economies of scale in credit unions: a New Zealand study,"
Applied Economics,
Taylor and Francis Journals, vol. 35(11), pages 1255-1264, July.
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