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|Title: ||The Effects of Dynamic Changes in Bank Competition on the Supply of
Small Business Credit|
|Authors: ||Berger, Allen N.|
Goldberg, Lawrence G.
White, Lawrence J.
|Keywords: ||Bank, Mergers|
|Issue Date: ||Apr-2001 |
|Series/Report no.: ||EC-01-07|
|Abstract: ||We study the effects of structural changes in banking markets on the
supply of credit to small businesses. Specifically, we examine whether
bank mergers and acquisitions (M&As) and entry have
"external" effects on small business loans by other banks in
the same local markets. The results suggest modest positive external
effects from these dynamic changes in competition, except that large
banks may reduce small business lending in reaction to entry. We confirm
bank size and age as important determinants of this lending, and show
that the measured age effect does not appear to be driven by local
market M&A activity.|
|Appears in Collections:||Economics Working Papers|
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