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Banking Market Concentration and Credit Availability to Small Businesses

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Author Info
Park, Yongjin

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Abstract

This paper examines how banking market concentration affects small businesses finance. Using the Survey of Small Business Finance, the empirical model show that bank concentration may adversely affect the amount of credit supplied to small businesses. We find that bank concentration decreases the L/C limits of firms significantly, while there is no statistically significant difference in L/C balance across banking markets. We also show that bank concentration lowers the overall debt-to-asset ratio of small firms that includes loans from nonbank institutions, suggesting that credit from non-bank institutions do not fully make up the effect of bank concentration.

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File URL: http://mpra.ub.uni-muenchen.de/9265/
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Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 9265.

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Date of creation: Mar 2008
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Handle: RePEc:pra:mprapa:9265

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Related research
Keywords: Small Business Finance Banking Market Concentration

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Find related papers by JEL classification:
G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages

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  1. Donald Morgan & Bertrand Rime & Philip Strahan, 2001. "Bank integration and business volatility," Staff Reports 129, Federal Reserve Bank of New York. [Downloadable!]
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  2. Petersen, Mitchell A & Rajan, Raghuram G, 1995. "The Effect of Credit Market Competition on Lending Relationships," The Quarterly Journal of Economics, MIT Press, vol. 110(2), pages 407-43, May. [Downloadable!] (restricted)
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  3. Petersen, Mitchell A & Rajan, Raghuram G, 1994. " The Benefits of Lending Relationships: Evidence from Small Business Data," Journal of Finance, American Finance Association, vol. 49(1), pages 3-37, March. [Downloadable!] (restricted)
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