Detail Small Business Lending and Bank Profitability   Oleh:  Ou, Charles ; Berney, Robert ; Kolari, James Jenis: Article from Bulletin/Magazine Dalam koleksi: The Journal of Entrepreneurial and Small Business Finance vol. 5 no. 1 (1996), page 1-16. Topik: SMALL BUSINESS; small business lending; bank profitability Ketersediaan Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ40 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada     Lihat Detail Induk Isi artikel In theory commercial banks exist to resolve asymmetric information problems in credit markets. Because small business firms have much greater information problems than large firms, it is not surprising that they depend almost entirely on banks for external finance needs. Unfortunately, little is known either in academic literature or banking practice about the profitability of small business credit (and related information) services. The present study employs recently available business loan size information form the call reports for all insured U. S. commercial banks in 1994 and 1995 to examine the relationship between bank profits and small business credit. Regression analyses are conducted using the rate of return on assets and business loans less than US$ 250,000. In addition to a number of variables that proxy various dimensions of risk that potentially could influence this relationship. Due to the fact that small and large banks differ considerably in thei rlending actitivities, separate analyses are conducted fo rfive asset size groups. In brief, we find that, while small business loans likely have a negligible effect the profits of large banks, they tend to increase the profitability of small banks over time, holding constant various bank risk characteristics. Opini Anda Klik untuk menuliskan opini Anda tentang koleksi ini! Kembali

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