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Banking Consolidation and Small Business Lending:A Review of Recent Research


  • Charles Ou



Banking consolidation has continued to accelerate over the past several years, assisted by technological innovations in information management and statistical modeling, and by the large merger and acquisition (M&A) deals of the late 1990s. Total domestic assets held by the largest 50 bank holding companies (BHC) rose from around 52 percent in June 1997 to nearly 70 percent in June 2002, and the number of small banks with assets under $500 million declined from 8,647 in June 1997 to 7,208 in June 2002. The perennial question about the impact of banking consolidation on the availability of financing to small business remains a major concern to small business researchers and policymakers. This paper provides a review of recent major studies conducted over the past several years.

Suggested Citation

  • Charles Ou, 2005. "Banking Consolidation and Small Business Lending:A Review of Recent Research," The Office of Advocacy Small Business Working Papers 05ou, U.S. Small Business Administration, Office of Advocacy.
  • Handle: RePEc:sba:wpaper:05ou

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