G2TT
来源类型Working Paper
规范类型报告
DOI10.3386/w24365
来源IDWorking Paper 24365
Stress Tests and Small Business Lending
Kristle Cortés; Yuliya Demyanyk; Lei Li; Elena Loutskina; Philip E. Strahan
发表日期2018-03-05
出版年2018
语种英语
摘要Post-crisis stress tests have altered banks’ credit supply to small business. Banks affected by stress tests reduce credit supply and raise interest rates on small business loans. Banks price the implied increase in capital requirements from stress tests where they have local knowledge, and exit markets where they do not, as quantities fall most in markets where stress-tested banks do not own branches near borrowers, and prices rise mainly where they do. These reductions in supply are concentrated among risky borrowers. Stress tests do not, however, reduce aggregate credit. Small banks increase their share in geographies formerly reliant on stress-tested lenders.
主题Financial Economics ; Financial Institutions
URLhttps://www.nber.org/papers/w24365
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/582038
推荐引用方式
GB/T 7714
Kristle Cortés,Yuliya Demyanyk,Lei Li,et al. Stress Tests and Small Business Lending. 2018.
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