Inclusive Enough for “Neglected 80 Percent”?—Small Business Loans by Large State-Owned Commercial Banks

2016 ◽  
pp. 163-174
Author(s):  
Jiazhuo G. Wang ◽  
Juan Yang
Keyword(s):  
Small Business ◽  
Commercial Banks ◽  
Large State ◽  
Small Business Loans

scholarly journals Effects of Regional Bank Merger on Small Business Borrowing: Evidence from Japan

2015 ◽  
Vol 7 (11) ◽  
pp. 62
Author(s):  
Hironobu Miyazaki ◽  
Hiroyuki Aman
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Economies Of Scale ◽  
Loan Portfolio ◽  
Small Business Lending ◽  
Borrowing Costs ◽  
Bank Merger ◽  
Regional Bank ◽  
Small Business Loans ◽  
The Impact

This study examines the impact of a regional bank merger in Japan on borrowing by small businesses, focusing on firms that borrow from the acquiring bank, the acquired bank, or both. First, we find that post-merger borrowing costs declined. This result suggests that small borrowers enjoy more favorable post-merger financing conditions because efficiencies from economies of scale lead to lower costs. Second, we<strong> </strong>find that post-merger borrowing costs decline for firms that borrow only from the acquiring or acquired bank, whereas they did not decline for firms that borrow from both. Third, we find that only small business loans to firms that borrow from both the acquiring and acquired banks decrease post-merger. This result suggests that small business lending might decline because of a merged bank’s loan portfolio and lending strategy.

CROSS-MARKET TRADING IN CHINA'S LARGE STATE-OWNED COMMERCIAL BANKS, 2006-2011

2012 ◽  
Vol 31 (2) ◽  
pp. 366-377 ◽  
Author(s):  
RICHARD C. K. BURDEKIN ◽  
YANG AMANDA YANG
Keyword(s):  
Commercial Banks ◽  
Large State

A DECISION MODEL FOR SMALL BUSINESS LOANS

1983 ◽  
Vol 1 (2) ◽  
pp. 18-27
Author(s):  
Dale Doreen ◽  
Farzad Farhoomand
Keyword(s):  
Small Business ◽  
Decision Model ◽  
Small Business Loans

Small Business Commercial Loan Selection Decision: An Empirical Evaluation

1982 ◽  
Vol 6 (4) ◽  
pp. 41-49 ◽  
Author(s):  
Nathaniel Jones
Keyword(s):  
Decision Making ◽  
Small Business ◽  
Small Businesses ◽  
Commercial Banks ◽  
Empirical Evaluation ◽  
Decision Makers ◽  
Selection Decisions ◽  
New Business ◽  
Decision Making Processes ◽  
Selection Decision

For many years, bank decision-makers and academic researchers have recognized the significance of both commercial banks and small businesses to the overall economy of America. However, there appears to be little, if any, statistically valid empirical research dealing with the decision-making processes in commercial banks which commit funds to small businesses. This article deals specifically with the decision-making process of 30 commercial loan decision-makers as they are faced with commercial loan selection decisions concerning Small Business (SBA guaranteed) new business loans.

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