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Full-Text Articles in Business
Small Business Bank Lending: Both Sides Are Winners, Neil C. Churchill, Virginia L. Lewis
Small Business Bank Lending: Both Sides Are Winners, Neil C. Churchill, Virginia L. Lewis
Historical Working Papers
An examination is made of the conventional wisdom that small buiness loans are riskier and consequently bear a higher interest rate than large business. Results indicte that the conventional wisdom is accurate but also that small business loans are more profitable for the bank.
Rural Versus Urban Bank Performance: An Analysis Of Market Competition For Small Business Loans, Jonathan A. Scott, William C. Dunkelberg
Rural Versus Urban Bank Performance: An Analysis Of Market Competition For Small Business Loans, Jonathan A. Scott, William C. Dunkelberg
Historical Working Papers
Using data from surveys of the National Federation of Independent Business (NFIB), an analysis is made to determine the competitiveness of rural versus urban banking markets. Looking at interest rates and credit availability there appears to be no less of a competitive position among rural banks. Service performance, which is subjectively derived, seems to be greater among rural banks.
Microcomputers In The Banking Industry, Chun H. Lam, Geogre H. Hempel
Microcomputers In The Banking Industry, Chun H. Lam, Geogre H. Hempel
Historical Working Papers
The challenges stemming from deregulation in the 1980's are outlined and the potential role of technology, specifically microcomputers, as a means of improving performance is suggested.
The Environment For Funds Management Decisions In Coming Years, George H. Hempel
The Environment For Funds Management Decisions In Coming Years, George H. Hempel
Historical Working Papers
Trends in the banking industry are tracked from the 1950s through the 1980s. Against this backdrop, the effects of increased competition, cost control measures, and increasing use of technology are discussed.
The Interrelationships Between Banking Returns And Risks, George H. Hempel
The Interrelationships Between Banking Returns And Risks, George H. Hempel
Historical Working Papers
Using a model of a fictitious bank, various risks and associated returns are modeled to evaluate the impact on overall bank performance. The underlying truism that additional risk is necessary to realize increased returns is observed.