Intrametropolitan Patterns of Small-Business Lending what Do the New Community Reinvestment Act Data Reveal?  

Oleh:

Immergluck, Daniel

Jenis: Article from Journal - ilmiah internasional
Dalam koleksi: Urban Affairs Review vol. 34 no. 6 (Jul. 1999), page 787-804.
Topik: business lending; lower-income neighborhoods; intrametropolitan patterns
Fulltext: 787UAR346.pdf (62.78KB)

Isi artikel

Discrimination and redlining in business lending have been cited as contributing to economic decline in lower-income neighborhoods. Until recently, bank regulators have not collected geographic data on business loans. Using new data collected by regulators, the author measures small-business lending flows to different types of neighborhoods in the Chicago metropolitan area. Although data limitations preclude a definitive finding of differential access to credit, lower-income and minority neighborhoods areas receive fewer loans after accounting for firm density, firm size, and industrial mix, findings that support the notion of geographic and/or racebased discrimination in marketing or approving loans. Problems of anemic or declining business

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