Interstate banking and small business finance: implications from available evidence

Article Abstract:

The prospect of full interstate banking in the near future raises questions about the supply and cost of bank credit for small business firms under such a regime. This study explores this issue, drawing on the evidence of prior research. Specifically, the focus is on three questions: (1) the likely commitment of large, nationwide banks to the small business sector; (2) the implications of interstate banking for the viability of small, independent banks; and (3) the effect of nationwide banking on the overall level of bank competition. The available evidence indicates little reason to expect the supply or cost of small business credit to be affected adversely by interstate banking. If anything, nationwide banking should increase the supply, and possibly lower the cost, of bank financing for small firms. (Reprinted by permission of the publisher.)

DEPOSITORY INSTITUTIONS, Banking industry, Analysis, Business enterprises, Deregulation, Interstate banking

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Perception of entrepreneurial success characteristics

Article Abstract:

What do bank officials look for in entrepreneurs seeking capital for small businesses? Do entrepreneurs perceive these same characteristics as important or are there perceptual differences between bankers and small business owners on what constitutes characteristics for entrepreneurial success? This paper examines these issues through a survey of midwestern bankers and small business people. The survey demonstrated significant differences in the dimensions or characteristics that contribute to entrepreneurial success as viewed by each group. The implications of this research may illustrate the difficulties prospective small business owners have in obtaining capital from banks for new ventures. (Reprinted by permission of the publisher.)

Research, Surveys, New business enterprises, Startups, Entrepreneurship, Business success, Bankers

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Can your small company acquire resources as favorably as the large company?

Article Abstract:

The survival and the performance of small business will be related two groups of variables, either internal or external to the company. Ultimately, the company's survival will depend on its access to financial resources. There are known advantages to attempting to cooperatively buy, advertise, sell and finance.

Planning, Corporations, Corporate finance, Corporate growth, Resource allocation

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