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Journal Article
Examining small business lending in bank antitrust analysis

The U.S. banking industry has entered an unprecedented period of consolidation and reorganization. This bank merger wave has sparked public policy debate about the desirability of such combinations, particularly in regard to evaluating antitrust considerations. ; More than thirty years ago, legal precedent established the relevant antitrust product market for banking as the cluster of banking products and services. Many are questioning whether a move away from this aggregate approach toward a more traditional product-based antitrust analysis would better reflect today's market realities in ...
Economic Review , Volume 80 , Issue Mar , Pages 31-40

Journal Article
Some benefits of credit scoring begin to surface

EconSouth , Volume 1 , Issue Q3 , Pages 1

Journal Article
The score on credit scoring in small business lending

EconSouth , Volume 1 , Issue Q3 , Pages 8-12

Journal Article
Bank mergers may hurt small business lending, but credit scoring may ease access to wider markets

Economics Update , Issue Jul , Pages 2

Journal Article
Credit scoring in small business lending: bane or blessing?

Financial Update , Volume 12 , Issue Apr , Pages 1-3

Journal Article
Workshops spotlight women's access to credit and capital issues

Financial Update , Volume 10 , Issue Jul , Pages 1-2

Journal Article
How does bank consolidation affect small business lending?

Financial Update , Volume 10 , Issue Oct , Pages 4

Journal Article
Study looks at large banks' use of small business credit scoring

Financial Update , Volume 14 , Issue Jul , Pages 7

Journal Article
The growing symbiosis in Southeastern business

Regional Update , Issue Jul , Pages 9, 11

Working Paper
Credit scoring and the availability, price, and risk of small business credit

The authors examine the economic effects of small business credit scoring (SBCS) and find that it is associated with expanded quantities, higher average prices, and greater risk levels for small business credits under $100,000. These findings are consistent with a net increase in lending to relatively risky ?marginal borrowers? who would otherwise not receive credit, but who would pay relatively high prices when they are funded. The authors also find that 1) bank-specific and industrywide learning curves are important; 2) SBCS effects differ for banks that adhere to ?rules? versus ...
FRB Atlanta Working Paper , Paper 2002-6

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