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Changes in the Banking System and Small Business Lending

Onji, Kazuki; Vera, David


Since small businesses typically rely on small banks as their primary source of financing, there are concerns that the wave of bank consolidation of the 1990s may have reduced the availability of loans to small businesses in the US. Using a panel of state-level banking information over 1993-2002, this paper shows that the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 reduced the number of small banks, but not the amount of small business lending. We also show that small...[Show more]

CollectionsANU Research Publications
Date published: 2008
Type: Journal article
Source: Small Business Economics
DOI: 10.1007/s11187-008-9119-9


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