107 research outputs found

    Banking market structure in the West

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    Banking structure ; Banks and banking - West ; Banking market ; Federal Reserve District, 12th

    Risk-based capital requirements and loan growth

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    Bank capital ; Bank loans ; Risk ; Bank holding companies

    Moral hazard in payment systems

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    Payment systems ; Clearinghouses (Banking) ; Federal Reserve banks ; Electronic funds transfers

    Why are ATM fees rising?

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    Automated tellers ; Banks and banking - Service charges

    Progress in retail payments

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    Clearinghouses (Banking)

    Risks in the swaps market

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    Risk ; Swaps (Finance)

    The changing role of the prime rate

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    Interest rates ; Prime rate

    Shared ATM networks: an uneasy alliance

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    Automated tellers

    Market power and relationships in small business lending

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    The empirical research literature regarding the effects of market structure on small business lending has yielded ambiguous results. This paper empirically tests for the presence of countervailing effects of increases in market concentration on small business loan volume. Countervailing effects would be expected if both the traditional Structure, Conduct, Performance (SCP) paradigm of industrial organization and a paradigm whereby market power benefits the formation of lending relationships (the relationship hypothesis), are at work. Using Community Reinvestment Act (CRA) data on small loans to small businesses, it is found that, on average, across MSAs, SCP effects dominate. But, as predicted by the relationship hypothesis, the negative effects of increases in concentration on small business loan volume are weaker, the greater the presence of young firms and the higher the business failure rate. Relationship effects due to business failure appear to come from highly concentrated MSAs. Endogeneity concerns are further addressed with the estimation of a regression that separates out the effects of changes in the number of lenders from the effects of changes in the sum of squared deviations of market shares.Small business - Finance

    Banks and mutual funds

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    Mutual funds ; Bank deposits
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