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Banking and SME Financing in the United States

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Author Info
Charles Ou
Abstract

Loan markets for most small business borrowers in the United States have become more competitive over the past decade, evidenced by the emergence of a nationwide market for credit lines and credit cards and the entry of large regional banks in local markets. However, the impact of increased competition on the cost of funds to small firms, as indicated by the rate spreads between small business rates and the rates paid by the banks’ best prime customers, is more difficult to assess because of data limitations.

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File URL: http://www.sba.gov/advo/research/rs277tot.pdf
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Publisher Info
Paper provided by U.S. Small Business Administration, Office of Advocacy in its series The Office of Advocacy Small Business Working Papers with number 06ou.

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Length: 38 pages
Date of creation: 2006
Date of revision:
Handle: RePEc:sba:wpaper:06ou

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2005. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations," Journal of Business, University of Chicago Press, vol. 78(2), pages 577-596, March. [Downloadable!]
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  2. Allen N. Berger & W. Scott Frame, 2005. "Small business credit scoring and credit availability," Working Paper 2005-10, Federal Reserve Bank of Atlanta. [Downloadable!]
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Vladimir Klyuev, 2008. "Show Me the Money: Access to Finance for Small Borrowers in Canada," IMF Working Papers 08/22, International Monetary Fund. [Downloadable!]
  2. Judit Glavanits, 2007. "Quo vadis EU? Financing SMEs in the EU," Proceedings Papers of Business Sciences: Symposium for Young Researchers (FIKUSZ) 2007, in: Anna Francsovics (ed.), Symposium for Young Researchers 2007: Proceedings, pages 65-77 Budapest Tech, Keleti Faculty of Economics. [Downloadable!]
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This page was last updated on 2009-11-26.

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