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首页> 美国政府科技报告 >Finance Companies and Small Business Borrowers: Evidence from the 1993 and 1998 Surveys of Small Business Finances.
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Finance Companies and Small Business Borrowers: Evidence from the 1993 and 1998 Surveys of Small Business Finances.

机译：财务公司和小企业借款人：1993年和1998年小企业财务调查的证据。

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摘要

Finance companies play an important role in providing short- and medium-term financial capital to small business borrowers. They are the most important institutional providers of capital to small businesses after banks. This study examines whether finance companies' importance in providing financial capital to small business borrowers changed during the 1990s. This is interesting because the 1990s were a decade of rapid growth in financial markets, including expansion in interstate banking and lending by both finance companies and commercial banks. This study uses the most recent data on small business finances to evaluate the importance of finance companies to small business borrowers in 1993 and 1998; to assess what types of borrowers were attracted to finance companies; and to determine if these finance company borrowers paid higher loan prices.

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