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Working Paper
Does distance matter in banking?
Wolken, John D.; Brevoort, Kenneth P. (2008)
Deregulation and technological change have reduced the transactions costs that led to the dominance of local financial service suppliers, leading some to question if distance still matters in banking. This debate has been particularly acute in small business banking, where transactions costs are believed to be particularly high. This paper provides a detailed review of the literature on distance in banking markets, highlighting the reasons why geographic proximity is believed to be important and examining the changes that may have affected its importance. Relying on new data from the 2003 ...
Finance and Economics Discussion Series , Paper 2008-34

Journal Article
Making microenterprise easier
Kanders, Kristin (2001-07)
Communities and Banking , Issue Sum , Pages 4-9

Journal Article
Lending to small business in New England
Rosengren, Eric S. (1994-10)
New England Banking Trends , Issue Fall , Pages 3-8

Conference Paper
Credit scoring and small business lending in low- and moderate-income communities
Woosley, Lynn W.; Padhi, Michael; Srinivasan, Aruna (1999)
Proceedings , Paper 783

Speech
When the small stuff is anything but small, a speech presented to the Dayton Chamber of Commerce Governmental Affairs Breakfast, Dayton, OH, February 25, 2010
Pianalto, Sandra (2010)
Federal Reserve Bank of Cleveland President and CEO Sandra Pianalto told those attending her speech today to the Dayton Chamber of Commerce that a healthy small business sector is critical to the nation's economic recovery. In her remarks, she also discussed the challenges small businesses face in getting loans, unemployment, inflation, unwinding the Fed's balance sheet, and why the country's economic recovery "doesn't really feel much like one."
Speech , Paper 26

Journal Article
Banking industry's consolidation: what's a small business to do?
Mester, Loretta J. (1999-01)
Relaxation of the rules governing where banks can expand and new technologies for providing banking services have contributed to rapid consolidation in the industry. In addition, the number of commercial banks in the United States has been shrinking, and banks have been getting larger. Should we be worried that consolidation will lead to a contraction of credit to small businesses? Read what Loretta Mester has to say on the subject in this article
Business Review , Issue Jan , Pages 3-16

Working Paper
On SBA-guaranteed lending and economic growth
Craig, Ben R.; Thomson, James B.; Jackson, William E. (2004)
Increasingly, policymakers are looking to the small business sector as a potential engine of economic growth. Policies to promote small businesses include tax relief, direct subsidies, and indirect subsidies through government lending programs. Encouraging lending to small business is the primary policy objective of the Small Business Administration (SBA) loan-guarantee program. Using a panel data set of SBA-guaranteed loans we assess whether SBA-guaranteed lending has an observable impact on local and regional economic performance.
Working Papers (Old Series) , Paper 0403

Working Paper
The effect of market size structure on competition: the case of small business lending
Rosen, Richard J.; Udell, Gregory F.; Berger, Allen N. (2001)
Banking industry consolidation has raised concern about the supply of small business credit since large banks generally invest lower proportions of their assets in small business loans. However, we find that the likelihood that a small business borrows from a bank of a given size is roughly proportional to the local market presence of banks of that size, although there are exceptions. Moreover, small business loan interest rates depend more on the size structure of the market than on the size of the bank providing the credit, with markets dominated by large banks generally charging lower ...
Working Paper Series , Paper WP-01-10

Working Paper
The value of relationships between small firms and their lenders
Worthington, Paula R. (1999)
This paper investigates the impact of the relationship between a small firm and its lender on the interest rate paid by the firm. I examine detailed data on loans made by small business investment companies (SBICs) to small firms between 1986 and 1991, and my estimates imply that, other things equal, the interest rate charged by an SBIC to a new small business customer is between 40 and 50 basis points higher rate that the rate charged to a repeat customer. These results offer solid evidence that relationships between small firms and their lenders can be quite valuable.
Working Paper Series , Paper WP-99-29

Working Paper
Federal Home Loan Bank lending to community banks: are targeted subsidies necessary?
Craig, Ben R.; Thomson, James B. (2001)
The Gramm-Leach-Bliley Act of 1999 extended the lending authority of Federal Home Loan Banks to include advances secured by small-enterprise loans of community financial institutions. The authors examine three possible reasons for the extension of this selective credit subsidy to community banks and thrifts, including the need to subsidize community depository institutions, stabilize the Federal Home Loan Banks, and address a market failure for small enterprise loans in rural banking markets. They use two empirical models to investigate whether funding constraints affect small-business ...
Working Papers (Old Series) , Paper 0112

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