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Financing Small and Medium Enterprises in China : Recent Trends and Prospects Beyond Shadow Banking

Tsai, Kellee S. - 2015

intermediation in China. The evolution of SME finance in other contexts suggests that regulated and well-managed NBFCs provide an …

Persistent link: https://www.econbiz.de/10013022516

Why did small business fintech lending dry up during march 2020?

Ben-David, Itzhak; Johnson, Mark J.; Stulz, René M. - 2021

With the onset of the COVID-19 crisis in March 2020, small business lending through fintech lenders collapsed. We explore the reasons for the market shutdown using detailed data about loan applications, offers, and take-up from a major small business fintech credit platform. We document that...

Persistent link: https://www.econbiz.de/10012816397

The real effects of FinTech lending on SMEs : evidence from loan applications

Eça, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; … - 2022

We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small businesses who already have access to bank...

Persistent link: https://www.econbiz.de/10012818733

Is Lending Distance Really Changing? Distance Dynamics and Loan Composition in Small Business Lending

Adams, Robert M. - 2020

Has information technology improved small businesses' credit access by hardening the information used in loan underwriting and reducing the importance of lender proximity? Previous research, pointing to increasing average lending distances, suggests that it has. Using over 20 years of Community...

Persistent link: https://www.econbiz.de/10012833670

The Rise of Finance Companies and FinTech Lenders in Small Business Lending

Gopal, Manasa - 2020

We document that finance companies and FinTech Lenders increased lending to small businesses after the 2008 financial crisis. We show that most of the increase substituted for a reduction in lending by banks. In counties where banks had a larger market share before the crisis, finance companies...

Persistent link: https://www.econbiz.de/10012834210

When the going gets tough, the tough get going

Fredriksson, Antti; Maresch, Daniela; Fink, Matthias; … - In: Journal of entrepreneurial finance : JEF ; official … 19 (2017) 1, pp. 83-104

A bank’s lending decision is affected by the amount of information it can access and by its capability to manage this information. The latter aspect implies that the bank has to decide whether borrowers should be managed in a local branch of the bank or in its headquarters. By looking at a...

Persistent link: https://www.econbiz.de/10011991266

Financing small and medium-sized enterprises in Thailand : the importance of bank loans and financing diversification

Ramcharran, Harri - In: Journal of entrepreneurial finance : JEF ; official … 19 (2017) 2

Bank loans are the main sources of financing the Small and Medium-Sized Enterprises (SME) sector of the Thai economy … lending; this necessitates the efficient use of available funds and strategies to diversify SME financing. Using data from … productivity to be greater than one for: (a) SME output per unit of SME and (b) SME output per Baht loan. This satisfactory …

Persistent link: https://www.econbiz.de/10011991350

Federal Home Loan Bank advances and small business lending

Davidson, Travis R.; Simpson, W. Gary - In: Journal of entrepreneurial finance : JEF ; official … 18 (2016) 1, pp. 1-21

Adequate credit availability for small businesses is an important public policy issue because small businesses are essential for employment and economic growth for the economy. The Gramm-Leach-Bliley Act of 1999 includes a provision that could potentially support financial institutions in the...

Persistent link: https://www.econbiz.de/10011991395

Commercial bank small business lending pre and post crisis

Jacques, Kevin T.; Moylan, Richard; Nigro, Peter J. - In: Journal of entrepreneurial finance : JEF ; official … 18 (2016) 1, pp. 22-48

We analyze small business lending at U.S. commercial banks, how it has changed over time and how it differs by bank size. Specifically, we examine the impact of government policy intervention on small business lending in the aftermath of the financial crisis. We find several important results....

Persistent link: https://www.econbiz.de/10011991398

Large Banks and Small Firm Lending

Bord, Vitaly - 2018

We show that since 2007, there was a large and persistent shift in the composition of lenders to small firms. Large banks impacted by the collapse of real estate prices systematically contracted their credit to all small firms throughout the U.S.. However, healthy banks expanded their operations...

Persistent link: https://www.econbiz.de/10012936774