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Discrimination in Bank Lending Policies: A Test Using Data from the Bank of Nova Scotia 1900-37


  • Lewis T. Evans
  • Neil C. Quigley


The authors use data on 460 loans made to individual firms by the Bank of Nova Scotia, together with information on the location, capital size, and activity type of each of these firms, to test for the existence of discriminatory lending policies. Their analysis indicates that there were marked differences in the amounts that firms of different types and in different locations actually borrowed. However, none of the results provides clear-cut support for the discrimination hypotheses in the secondary literature, including the suggestion that Canadian banks discriminated against manufacturing firms.

Suggested Citation

  • Lewis T. Evans & Neil C. Quigley, 1990. "Discrimination in Bank Lending Policies: A Test Using Data from the Bank of Nova Scotia 1900-37," Canadian Journal of Economics, Canadian Economics Association, vol. 23(1), pages 210-225, February.
  • Handle: RePEc:cje:issued:v:23:y:1990:i:1:p:210-25

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    1. repec:cup:apsrev:v:60:y:1966:i:01:p:29-38_12 is not listed on IDEAS
    2. J. W. Friedman, 1968. "Reaction Functions and the Theory of Duopoly," Review of Economic Studies, Oxford University Press, vol. 35(3), pages 257-272.
    3. Paul A. Samuelson, 2011. "The Collected Scientific Papers of Paul Samuelson," MIT Press Books, The MIT Press, edition 1, volume 7, number 0262015749 edited by Janice Murray, January.
    4. R. M. Cyert & M. H. DeGroot, 1970. "Multiperiod Decision Models with Alternating Choice as a Solution to the Duopoly Problem," The Quarterly Journal of Economics, Oxford University Press, vol. 84(3), pages 410-429.
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