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Public initiatives to support entrepreneurs : credit guarantees versus co-funding
Arping, Stefan; Lóránth, Gyöngyi; Morrison, Alan - 2009
We analyze financial support for the entrepreneurial sector. State support can raise welfare by relaxing financial constraints, but it can also reduce lending standards if entrepreneurs substitute public sources of collateral for their own assets, if it encourages excessive entrepreneurial...
Persistent link: https://www.econbiz.de/10011377605
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Terms of Lending for Small Business Lines of Credit : The Role of Loan Guarantees
Posey, Raymond L. - 2011
This study examines the role of loan guarantees in lines of credit granted to small businesses. Since there is evidence of simultaneity among lending terms, two-stage instrumental variable procedures are used to obtain consistent parameter estimates. The findings suggest the presence of a loan...
Persistent link: https://www.econbiz.de/10013123076
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Fintech and Racial Barriers in Small Business Lending
Fei, Celine Yue; Yang, Keer - 2022
Using a nationwide restaurant sample, we document that minority-owned businesses are more likely to apply to the Paycheck Protection Program through fintech than traditional lenders. We motivate our analysis by a two-sided matching model where this phenomenon can be generated through "technology...
Persistent link: https://www.econbiz.de/10013322836
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Problems and opportunities for leveraging SME finance through value chains in Azerbaijan
Aliyev, Samir - 2019
SME sector in the Kyrgyz Republic as well as the sector of individual entrepreneurs and peasant farmers. Four selected … gaps for the SME sector in building resilient global value chain supplies.The paper outlines the contribution of small and … SME owner/managers and higher interest rates offered by banks are among the factors restricting SME access to finance. The …
Persistent link: https://www.econbiz.de/10012024505
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Stress Tests and Small Business Lending
Cortés, Kristle Romero - 2018
Post-crisis stress tests have altered banks' credit supply to small business. Banks affected by stress tests reduce credit supply and raise interest rates on small business loans. Banks price the implied increase in capital requirements from stress tests where they have local knowledge, and exit...
Persistent link: https://www.econbiz.de/10012925906
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Stress tests and small business lending
Cortés, Kristle R.; Demyanyk, Yuliya; Li, Lei; … - In: Journal of financial economics 136 (2020) 1, pp. 260-279
Persistent link: https://www.econbiz.de/10012545434
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Stress tests, entrepreneurship, and innovation
Dörr, Sebastian - In: Review of finance : journal of the European Finance … 25 (2021) 5, pp. 1609-1637
Persistent link: https://www.econbiz.de/10012655113
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Unintended side effects : stress tests, entrepreneurship, and innovation
2019
Persistent link: https://www.econbiz.de/10012131181
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Stress Tests and Small Business Lending
Cortés, Kristle - 2018
Post-crisis stress tests have altered banks' credit supply to small business. Banks affected by stress tests reduce credit supply and raise interest rates on small business loans. Banks price the implied increase in capital requirements from stress tests where they have local knowledge, and exit...
Persistent link: https://www.econbiz.de/10012453349
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Aligning financial systems to meet the needs of citizens and enterprises
Schackmann-Fallis, Karl-Peter; Scheffler, Sonja - In: Vierteljahrshefte zur Wirtschaftsforschung 86 (2017) 1, pp. 69-79
The European Commission's current initiative to commence consultations on the action plan to build a Capital Markets Union is to be welcomed. The objective must be to create a stable and sustainable financial system, providing all households and companies with appropriate access to financial...
Persistent link: https://www.econbiz.de/10011916034