Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 284
Book Description
Bank Deregulation and Its Impact on Small Business Lending
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 284
Book Description
Deregulation of Financial Institutions and Its Impact on Small Business Financing
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Banking law
Languages : en
Pages : 360
Book Description
U.S. Banking Deregulation, Small Businesses, and Interstate Insurance of Personal Income
Author: Yuliya DemyanykPublisher:
ISBN:
Category :
Languages : en
Pages : 54
Book Description
We estimate the effects of deregulation of U.S. banking restrictions on the amount of interstate personal income insurance during the period 1970-2001. Interstate income insurance occurs when personal income reacts less than one-to-one to state-specific shocks to output. We find that income insurance improved after banking deregulation, and that this effect is larger in states where small businesses are more important. We further show that the impact of deregulation is stronger for proprietors' income than other components of personal income. Our explanation of this result enters on the role of banks as a prime source of small business finance and on the close intertwining of the personal and business finances of small business owners. Our analysis casts light on the real effects of bank deregulation, on the risk sharing function of banks, and on the integration of bank markets.
The Impact of Banking Restructuring Proposals on Small Businesses' Access to Credit
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and PrivatizationPublisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 260
Book Description
Bank Deregulation and Its Impact on Small Business Lending
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Bank loans
Languages : en
Pages : 276
Book Description
Banking Deregulation, Local Credit Supply, and Small Business Growth
Author: Prasad KrishnamurthyPublisher:
ISBN:
Category :
Languages : en
Pages : 49
Book Description
I show that the deregulation of bank branching in the United States lowered the sensitivity of small business growth to local credit supply. In urban markets, within-state deregulation of branching resulted in an 80% decrease in the effect of local deposit growth on the growth of establishments with 20-99 employees. Across-state deregulation had an effect of comparable size in county markets. I fiijnd effects of similar magnitude using employment growth and payroll growth as measures of business growth. Using the history of litigation over the scope of state bank regulation, I show these results continue to hold for states that deregulated branching for reasons that were unrelated to economic conditions. These fiijndings suggest that bank deregulation played an important role in insuring small businesses against local shocks to credit supply.
Current Trends in the Financial Services Industry and Their Impact on Small Business Financing
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business OpportunitiesPublisher:
ISBN:
Category : Financial institutions
Languages : en
Pages : 260
Book Description
U.S. Bank Deregulation in Historical Perspective
Author: Charles W. CalomirisPublisher: Cambridge University Press
ISBN: 0521028388
Category : Business & Economics
Languages : en
Pages : 392
Book Description
This book shows how deregulation is transforming the size, structure, and geographic range of U.S. banks, the scope of banking services, and the nature of bank-customer relationships. Over the past two decades the characteristics that had made American banks different from other banks throughout the world--a fragmented geographical structure of the industry, which restricted the scale of banks and their ability to compete with one another, and strict limits on the kinds of products and services commercial banks could offer--virtually have been eliminated. Understanding the origins and persistence of the unique banking regulations that defined U.S. banking for over a century lends an important perspective on the economic and political causes and consequences of the current process of deregulation.
US Banking Deregulation, Small Businesses and Interstate Insurance of Personal Income
Author: Yuliya DemyanykPublisher:
ISBN: 9788275533621
Category : Banks and banking
Languages : en
Pages : 0
Book Description
How the Financial System Can Best be Shaped to Meet the Needs of the American People
Author: United States. Congress. House. Committee on Banking, Finance, and Urban AffairsPublisher:
ISBN:
Category : Bank holding companies
Languages : en
Pages : 2000
Book Description