Studies of Small Business Finance: Survey of Commercial Bank Lending to Small Business

摘要

The study reports on an extensive survey of commercial banks to obtain information on the banks' lending practices to small businesses. Information was gathered through the use of personal interviews. General topics covered in the survey were: bank organization with respect to small business, credit availability, loan characteristics, pricing and profitability, government programs, and availability of loan information items. The following characteristics of banks were used to categorize responses: bank size, state banking law, bank branch and holding company structure, census region, primary bank market location, and primary federal bank regulator.