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首页> 美国政府科技报告 >Profitability of Small Business Lending by Small Banks
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Profitability of Small Business Lending by Small Banks

机译：小银行小企业贷款的盈利能力

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The study employs recently available data on U.S. bank Call Reports to examinethe relationship between small business lending and small bank profits and risk. Small business lending is defined to be all commercial loans under $250,000. Small banks are defined as less than $100 million in assets or $100-$500 million in assets, which together account for 40-50 percent of the aforementioned loans across the nation. A variety of bank profit and risk measures are examined. Univariate analyses show that banks earn higher profit rates on small business loans than other assets on average. These higher than average rates of return are earned by increasing bank risk, including credit, capital, liquidity, and funding risks. After taking into account these risks, bank profits are still higher among small business friendly banks compared to less small-business oriented banks. The main conclusion of this study is that small business lending contributes positively to bank profits, contrary to a commonly-held belief that such lending is risky and should be constrained.

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