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All Banks Great, Small, and Global : Loan Pricing and Foreign Competition

de Blas, Beatriz - 2010

effects from cross-border bank takeovers with those of cross-border lending by banks located overseas, which in most cases …

Persistent link: https://www.econbiz.de/10013142941

Communication within Banking Organizations and Small Business Lending

Levine, Ross - 2019

We investigate how communication within banks affects small business lending. Using travel time between a bank … evaluate the impact of within bank communication costs on small business loans. Consistent with Stein's (2002) model of the … transmission of soft information across a bank's hierarchies, we find that reducing headquarters-branch travel time boosts small …

Persistent link: https://www.econbiz.de/10012869574

Were Small Businesses More Likely to Permanently Close in the Pandemic?

Fairlie, Robert W.; Fossen, Frank M.; Johnsen, Reid; … - 2022

Previous estimates indicate that COVID-19 led to a large drop in the number of operating businesses operating early in the pandemic, but surprisingly little is known on whether these shutdowns turned into permanent closures and whether small businesses were disproportionately hit. This paper...

Persistent link: https://www.econbiz.de/10014079933

Interfirm Relationships and Business Performance

Cai, Jing - 2017

We organized business associations for the owner-managers of randomly selected young Chinese firms to study the effect of business networks on firm performance. We randomized 2,800 firms into small groups whose managers held monthly meetings for one year, and into a “no- meetings” control...

Persistent link: https://www.econbiz.de/10012966933

Optimal Regulation with Exemptions

Kaplow, Louis - 2017

Despite decades of research on mechanism design and on many practical aspects of cost-benefit analysis, one of the most basic and ubiquitous features of regulation as actually implemented throughout the world has received little theoretical attention: exemptions for small firms. These firms may...

Persistent link: https://www.econbiz.de/10012946483

Tax Audits as Scarecrows : Evidence from a Large-Scale Field Experiment

Bergolo, Marcelo - 2017

The canonical model of Allingham and Sandmo (1972) predicts that firms evade taxes by optimally trading off between the costs and benefits of evasion. However, there is no direct evidence that firms react to audits in this way. We conducted a large-scale field experiment in collaboration with...

Persistent link: https://www.econbiz.de/10012950838

Can Paying Firms Quicker Affect Aggregate Employment?

Barrot, Jean-Noel - 2016

In 2011, the federal government accelerated payments to their small business contractors, spanning virtually every county and industry in the US. We study the impact of this reform on county-sector employment growth over the subsequent three years. Despite firms being paid just 15 days sooner,...

Persistent link: https://www.econbiz.de/10012986685

Reclassification Risk in the Small Group Health Insurance Market

Fleitas, Sebastian - 2018

We evaluate reclassification risk in the small group health insurance market from a period before ACA community rating regulations. Reclassification risk in this setting is of key policy relevance and also a matter of debate. We use detailed claims and premiums data from a large insurance...

Persistent link: https://www.econbiz.de/10012917603

The Impact of the Dodd-Frank Act on Small Business

Bordo, Michael D. - 2018

compliance requirements needed to make business loans and operate a bank, the DFA disproportionately reduced the incentives for … magnitude of the decline twice as large at small banks. Controlling for cyclical effects and bank size, we find that these …. Examining Federal Reserve survey data, we find evidence that the DFA prompted a relative tightening of bank credit standards on …

Persistent link: https://www.econbiz.de/10012921541

Revenue Collapses and the Consumption of Small Business Owners in the Early Stages of the Covid-19 Pandemic

Kim, Olivia; Parker, Jonathan A.; Schoar, Antoinette - 2021

Using detailed transaction-level data from financial accounts, this paper shows that the revenues of small businesses and the consumption spending of their owners both decline by roughly 40% following the declaration of the national emergency in March 2020. However, through May 2020, the vast...

Persistent link: https://www.econbiz.de/10013225413