The Effects of Bank Mergers and Acquisitions on Small Business Lending

Provided by: The Federal Reserve Board
Format: PDF
The purpose of this paper is to shed some light on the issues such as bank, mergers and small business lending. The direct effect of M&As captures the change in lending propensities that are attributable to a direct change in lending focus above and beyond the changes associated with the changes in the size and other characteristics created by the static and restructuring effects. The paper that the static effects that reduce small business lending are mostly offset by the reactions of other banks and, in some cases, also by the refocussed efforts of the consolidating institutions themselves.

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