The Impact Of The Small Business Lending Fund On Community Bank Lending To Small Businesses
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The Impact Of The Small Business Lending Fund On Community Bank Lending To Small Businesses
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Author : Federal Reserve Federal Reserve Board
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2015-12-14
The Impact Of The Small Business Lending Fund On Community Bank Lending To Small Businesses written by Federal Reserve Federal Reserve Board and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-12-14 with categories.
Following the financial crisis, total outstanding loans to businesses by commercial banks dropped off substantially. Large loans outstanding began to rebound by the third quarter of 2010 and essentially returned to their previous growth trajectory while small loans outstanding continued to decline. Furthermore, much of the drop in small business loans outstanding was evident at community banks. To address this perceived lack of supply of credit to small businesses, the Small Business Lending Fund (SBLF) was created as part of the 2010 Small Business Jobs Act. The fund was intended to provide community banks with low-cost funding that they could then lend to their small business customers. As of December 31, 2013, the U.S. Department of the Treasury reports that SBLF participants had increased their small business lending by $12.5 billion over their baseline numbers. The current paper uses Call Report data from community banks and thrift institutions to look at the impact of receiving funds from SBLF on their small business lending. The analysis controls for economic and demographic conditions, market structure and competition. Simple regression estimates indicate that participants in the SBLF program increased their small business lending by about 10 percent more than their non-participating counterparts, in line with numbers reported by Treasury. However, estimates that control for the ongoing growth path in small business lending indicate no statistically significant impact of SBLF participation on small business lending.
The Impact Of The Small Business Lending Fund On Community Bank Lending To Small Businesses
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Author : Federal Reserve Federal Reserve Board
language : en
Publisher: CreateSpace
Release Date : 2015-04-27
The Impact Of The Small Business Lending Fund On Community Bank Lending To Small Businesses written by Federal Reserve Federal Reserve Board and has been published by CreateSpace this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-04-27 with categories.
Following the financial crisis, total outstanding loans to businesses by commercial banks dropped off substantially. Large loans outstanding began to rebound by the third quarter of 2010 and essentially returned to their previous growth trajectory while small loans outstanding continued to decline. Furthermore, much of the drop in small business loans outstanding was evident at community banks. To address this perceived lack of supply of credit to small businesses, the Small Business Lending Fund (SBLF) was created as part of the 2010 Small Business Jobs Act. The fund was intended to provide community banks with low-cost funding that they could then lend to their small business customers. As of December 31, 2013, the U.S. Department of the Treasury reports that SBLF participants had increased their small business lending by $12.5 billion over their baseline numbers. The current paper uses Call Report data from community banks and thrift institutions to look at the impact of receiving funds from SBLF on their small business lending. The analysis controls for economic and demographic conditions, market structure and competition. Simple regression estimates indicate that participants in the SBLF program increased their small business lending by about 10 percent more than their non-participating counterparts, in line with numbers reported by Treasury. However, estimates that control for the ongoing growth path in small business lending indicate no statistically significant impact of SBLF participation on small business lending.
Small Business Lending Fund
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Author : Joshua A. Bell
language : en
Publisher: Nova Science Publishers
Release Date : 2012
Small Business Lending Fund written by Joshua A. Bell and has been published by Nova Science Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Bank loans categories.
This book examines the Small Business Lending Fund, with a focus on the supply and demand for small business loans. Congressional interest in small businesses reflects, in part, concerns about economic growth and unemployment. Small businesses, defined as having fewer than 500 employees, have played an important role in net employment growth during previous economic recoveries. However, recent data show that net employment growth at small businesses is not increasing at the same rate as in previous economic recoveries. Some have argued that current economic conditions make it imperative that the federal government provide additional resources to assist small businesses in acquiring capital necessary to start, continue, or expand operations and create jobs. Others worry about the long-term adverse economic effects of spending programs that increase the federal deficit.
Small Businesses Access To Capital
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Author : United States. Congress. House. Committee on Small Business
language : en
Publisher:
Release Date : 1996
Small Businesses Access To Capital written by United States. Congress. House. Committee on Small Business and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Business & Economics categories.
Small Business Lending Fund
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Author : Office of Office of the Inspector Department of the Treasury
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2015-01-03
Small Business Lending Fund written by Office of Office of the Inspector Department of the Treasury and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-01-03 with categories.
The Small Business Jobs Act of 2010 (the Act) created SBLF as a dedicated fund to encourage lending to small businesses by providing capital to qualified community banks4 and Community Development Loan Funds (CDLF). Treasury launched the SBLF program in December 2010 and by the program's September 27, 2011, funding deadline had disbursed $4.03 billion. The funds were invested in 332 financial institutions, including 281 community banks and 51 CDLFs. Of the 281 community banks, 137 used SBLF funds to refinance securities purchased under TARP's Capital Purchase Program.
The Effects Of Bank Consolidation On Small Business Lending
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Author : United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance
language : en
Publisher:
Release Date : 1996
The Effects Of Bank Consolidation On Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Business & Economics categories.
Distributed to some depository libraries in microfiche.
Bank Deregulation And Its Impact On Small Business Lending
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Author : United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
language : en
Publisher:
Release Date : 1982
Bank Deregulation And Its Impact On Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1982 with Bank loans categories.
Banking On Small Business
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Author : United States. Congress. House. Committee on Small Business. Subcommittee on Regulation, Business Opportunities, and Technology
language : en
Publisher:
Release Date : 1993
Banking On Small Business written by United States. Congress. House. Committee on Small Business. Subcommittee on Regulation, Business Opportunities, and Technology and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Business & Economics categories.
Expanding Access To Finance
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Author :
language : en
Publisher: World Bank Publications
Release Date : 2007-01-01
Expanding Access To Finance written by and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-01-01 with Social Science categories.
This book's prime audience is government policy-makers. It provides a policy framework for governments to increase micro, small and medium enterprises' access to financial services?one which is based on empirical evidence from around the world. Financial sector policies in many developing countries often work against the ability of commercial financial institutions to serve this market segment, albeit, often unintentionally. The framework guides governments on how to best focus scarce resources on three things: ? developing an inclusive financial sector policy; ? building healthy financial ins
Survey Of Commercial Bank Lending To Small Business
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Author : Cynthia A. Glassman
language : en
Publisher:
Release Date : 1982
Survey Of Commercial Bank Lending To Small Business written by Cynthia A. Glassman and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1982 with Bank loans categories.