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Small Business Lending After the Financial Crisis: A New Competitive Landscape for Community Banks

Author

Listed:
  • Jagtiani, Julapa

    (Federal Reserve Bank of Philadelphia)

  • Lemieux, Catharine

    () (Federal Reserve Bank of Chicago)

Abstract

Community banks face growing competition, but also opportunities to partner with alternative lenders using technology to find borrowers and underwrite loans.

Suggested Citation

  • Jagtiani, Julapa & Lemieux, Catharine, 2016. "Small Business Lending After the Financial Crisis: A New Competitive Landscape for Community Banks," Economic Perspectives, Federal Reserve Bank of Chicago, issue 3, pages 1-30.
  • Handle: RePEc:fip:fedhep:00020
    as

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    References listed on IDEAS

    as
    1. Jagtiani, Julapa & Kotliar, Ian & Maingi, Ramain Quinn, 2014. "The evolution of u.s. Community banks and its impact on small business lending," Working Papers 14-16, Federal Reserve Bank of Philadelphia, revised 01 Oct 2015.
    2. Mester, Loretta J. & Hughes, Joseph P. & Jagtiani, Julapa, 2016. "Is Bigger Necessarily Better in Community Banking?," Working Papers (Old Series) 1615, Federal Reserve Bank of Cleveland.
    3. DeYoung, Robert & Frame, W. Scott & Glennon, Dennis & McMillen, Daniel P. & Nigro, Peter, 2008. "Commercial lending distance and historically underserved areas," Journal of Economics and Business, Elsevier, vol. 60(1-2), pages 149-164.
    4. Chakraborty, Atreya & Hu, Charles X., 2006. "Lending relationships in line-of-credit and nonline-of-credit loans: Evidence from collateral use in small business," Journal of Financial Intermediation, Elsevier, vol. 15(1), pages 86-107, January.
    5. Puri, Manju & Rocholl, Jörg & Steffen, Sascha, 2011. "Global retail lending in the aftermath of the US financial crisis: Distinguishing between supply and demand effects," Journal of Financial Economics, Elsevier, vol. 100(3), pages 556-578, June.
    6. Scott Shane & Ann Marie Wiersch, 2013. "Why small business lending isn’t what it used to be," Economic Commentary, Federal Reserve Bank of Cleveland, issue Aug.
    7. Robert DeYoung & W. Frame & Dennis Glennon & Peter Nigro, 2011. "The Information Revolution and Small Business Lending: The Missing Evidence," Journal of Financial Services Research, Springer;Western Finance Association, vol. 39(1), pages 19-33, April.
    8. Kennickell, Arthur B. & Kwast, Myron L. & Pogach, Jonathan, 2015. "Small Businesses and Small Business Finance during the Financial Crisis and the Great Recession: New Evidence From the Survey of Consumer Finances," Finance and Economics Discussion Series 2015-39, Board of Governors of the Federal Reserve System (US).
    9. 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 (US).
    10. Mitchell A. Petersen & Raghuram G. Rajan, 2002. "Does Distance Still Matter? The Information Revolution in Small Business Lending," Journal of Finance, American Finance Association, vol. 57(6), pages 2533-2570, December.
    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

    1. repec:eee:jbfina:v:106:y:2019:i:c:p:471-499 is not listed on IDEAS
    2. Hughes, Joseph P. & Jagtiani, Julapa & Mester, Loretta J. & Moon, Choon-Geol, 2018. "Does Scale Matter in Community Bank Performance? Evidence Obtained by Applying Several New Measures of Performance," Working Papers 18-11, Federal Reserve Bank of Philadelphia.
    3. repec:eee:jebusi:v:100:y:2018:i:c:p:43-54 is not listed on IDEAS
    4. repec:blg:journl:v:14:y:2019:i:1:p:99-110 is not listed on IDEAS
    5. Joseph P. Hughes & Julapa Jagtiani & Loretta J. Mester & Choon-Geol Moon, 2019. "Does Scale Matter in Community Bank Performance? Evidence Obtained by Applying Several New Measures of Performance," Departmental Working Papers 201901, Rutgers University, Department of Economics.
    6. Jagtiani, Julapa & Lemieux, Catharine, 2017. "Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information," Working Papers 17-17, Federal Reserve Bank of Philadelphia.

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