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Banking and SME Financing in the United States

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  • Charles Ou
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    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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    Bibliographic 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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