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date: 22 March 2019

Abstract and Keywords

The research model for analyzing bank small business lending has evolved considerably since the early 1990s, when the focus was primarily on the use of relationship lending to finance informationally opaque small businesses. The model has been broadened to include many more lending technologies that may be used to lend to opaque small businesses, each based on a different combination of “hard” (quantitative) and “soft” (qualitative) information. These technologies form the basic building blocks of the modern research model of small business lending. Virtually all of the analyses of credit availability, contract terms, and type of bank that provides the funding revolve around the lending technologies employed in the underwriting process. This chapter covers some of the issues regarding bank lending to small businesses. We discuss the lending technologies and the effects of banking industry consolidation and technological progress on the use of the lending technologies and their effects on small business credit.

Keywords: banks, relationship lending, small business, lending technologies, bank consolidation, technological progress

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