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Bank Mergers and Small Firm Financing

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  • Scott, Jonathan A
  • Dunkelberg, William C

Abstract

In this study the effect of bank mergers on the most recent attempt to obtain financing from a sample U.S. small firms in the mid-1990s is examined. Banking mergers, which affected about 25% of the firms responding to the survey, had no significant effect on the ability of small firms to obtain a loan or the contract loan rate on the most recent loan from a commercial bank. However, the incidence of mergers does appear to increase nonprice loan terms, increase the incidence of related fees for services, raise the frequency of searching for a new bank, and result in deterioration of service quality Little evidence is found that the most informationally opaque firms (e.g., the smallest firms) bear a higher cost from mergers than do less informationally opaque firms.

Suggested Citation

  • Scott, Jonathan A & Dunkelberg, William C, 2003. "Bank Mergers and Small Firm Financing," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 35(6), pages 999-1017, December.
    • Handle: RePEc:mcb:jmoncb:v:35:y:2003:i:6:p:999-1017
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