Search Results
Journal Article
New technology makes small business credit more available
anonymous
(2005-07-03)
Financial Update
, Volume 18
, Issue Q 3
Speech
Restoring the flow of credit to small businesses: a speech at the Federal Reserve Meeting Series: “Addressing the Financing Needs of Small Businesses,” Washington, D.C., July 12, 2010
Bernanke, Ben S.
(2010)
Speech
, Paper 534
Journal Article
Out-of-market small business loans
Laderman, Elizabeth
(2009)
This Letter compares small business loans made by banks inside and outside of a local market area and discusses how the mix might affect the measurement of the degree of competition among lenders.
FRBSF Economic Letter
Newsletter
Developing small businesses and leveraging resources in Detroit
Newberger, Robin G.; Toussaint-Comeau, Maude
(2013-01)
On October 16?17, 2012, the Federal Reserve Bank of Chicago, the Michigan Bankers Association, and the New Economy Initiative for Southeast Michigan co-sponsored a symposium that brought together business experts, business owners, policymakers, funders, and bankers to address the issues of small business credit and financing in Detroit.
Chicago Fed Letter
, Issue Jan
Journal Article
The geographic scope of small business lending: evidence from the San Francisco market
Laderman, Elizabeth
(2006)
Historically, small businesses have tended to turn to local lenders for credit. In recent years, however, technological advances in processing information and assessing credit risk have raised the potential for loosening the geographic ties between small business borrowers and lenders. This Economic Letter discusses factors affecting the geographic scope of markets for small business credit and uses data available for the San Francisco Bay Area to examine the extent to which small businesses rely on local lenders, how this reliance has changed over time, and the implications of any changes ...
FRBSF Economic Letter
Journal Article
The power to move
anonymous
(1997)
Public/private partnership allows auto shop owner to expand (San Antonio)
Banking and Community Perspectives
, Issue 2
, Pages 1-3
Journal Article
How will a credit crunch affect small business finance?
Udell, Gregory F.
(2009)
This Economic Letter explores how the credit crunch might affect small business access to finance. While it is not possible to know how severe this credit crunch will become, researchers can explore how the crunch could affect small business finance. We begin our analysis by looking at how small businesses access external sources of finance. Then we consider how these sources might be affected by the crunch.
FRBSF Economic Letter
Working Paper
Public policy in support of small business: the American experience
Craig, Ben R.; Jackson, William E.; Thompson, James B.
(2011)
Information problems in small enterprise credit markets can result in a market equilibrium characterized by credit rationing. These information problems are potentially more severe during sharp economic downturns such as the recent Great Recession. Government interventions to alleviate credit constraints on small firms need to be designed to correct the specific market failure resulting in socially suboptimal credit flows. We argue that Small Business Administration loan guarantees are a potentially appropriate intervention and provide a review of empirical research that supports our ...
Working Papers (Old Series)
, Paper 1116
Working Paper
Starting small and ending big -- the effect of monetary incentives on response rates in the 2003 Survey of Small Business Finances: an observational experiment
Mach, Traci L.; Hazelwood, Lieu N.; Wolken, John D.
(2008)
In 2003, the Survey of Small Business Finances (SSBF), conducted by the Federal Reserve Board, implemented the use of incentives to increase response rates. This study examines the effects of some of the characteristics of the implementation - such as level of effort, time in queue, and consecutively-increasing incentive amounts - on unit response. Our estimates suggest that as the number of days increase between the initial screener and main interview, the probability of completion decreases. Similarly, as the number of days increases between each consecutive incentive offer the probability ...
Finance and Economics Discussion Series
, Paper 2008-26
Working Paper
The Great Recession and bank lending to small businesses
Montoriol-Garriga, Judit; Wang, J. Christina
(2011)
This paper investigates whether small firms have experienced worse tightening of credit conditions during the Great Recession than large firms. To structure the empirical analysis, the paper first develops a simple model of bank loan pricing that derives both the interest rates on loans actually made and the marginal condition for loans that would be rationed in the event of an economic downturn. Empirical estimations using loan-level data find evidence that, once we account for the contractual features of business loans made under formal commitments to lend, interest rate spreads on small ...
Working Papers
, Paper 11-16
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