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Studies of Small Business Finance: The Impact of Usury Laws on the Effectiveness and Efficiency of the Operation of Small Business

机译：小企业融资研究：高利贷法对小企业运作效率和效率的影响

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The study takes an extensive look at the effect of interest rate ceilings on the behavior of lenders and thus the effect on small business borrowers. The study gives both empirical and theoretical arguments for the actual effects of rate ceilings on lenders and borrowers. It is shown that as rate ceilings become more restrictive high risk borrowers, both consumers and business, are eliminated from the market. Also as the restrictions become more severe, lenders shift capital to less restrictive markets, and the structure of loans change to shorter maturities and smaller loan sizes.

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作者
Pettit, R. R. ; McConnell, J. J.;
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年度 1982
页码 1-75
总页数 75
原文格式 PDF
正文语种 eng
中图分类工业技术;
关键词
Law(Jurisprudence); Finance; Financing; Legislation; Competition; Credit; Management analysis;

机译：法律（法理学）;金融;融资;立法;竞争;信用;管理分析;

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Studies of Small Business Finance: The Impact of Usury Laws on the Effectiveness and Efficiency of the Operation of Small Business

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