Bank Consolidation and Small Business Lending: The Role of Community Banks

By R. Avery, Katherine A. Samolyk. 2004

130 citations recorded by the source corpus.

Subfields: Accounting, Economics and Econometrics, Finance

View Paper: https://www.semanticscholar.org/paper/ff66b4c0b800d3a6141860877d839e83feb8d0af

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Citations in the corpus

The Past, Present, and Probable Future for Community Banks (2004, background): “50 Similarly, Avery and Samolyk (2004) find that incumbent community banks tend to gain market share in local markets that experience consolidation by merger.”
Small Business Credit Scoring and Credit Availability* (2007, background): “…as likely that this finding primarily reflects the fact that large banks may expand the assets in the denominator of the ratio, as large banks have more large business loans because of greater legal lending limits and better diversification. example, Avery and Samolyk 2004; Berger et al. 1998).”
A more complete conceptual framework for SME finance (2006, background): “…institutions reduce their SME lending after mergers and acquisitions, but that other banks in the same local markets appear to respond by increasing their supply of SME credit substantially (e.g., Berger, Saunders, Scalise, and Udell 1998, Berger, Goldberg, and White 2001, Avery and Samolyk 2004).”
Bank Concentration and Competition: An Evolution in the Making (2004, background): “Other incumbent banks may respond by increasing their own supplies of SME credit (e.g., Berger et al., 1998, Berger, Goldberg, and White, 2001, Avery and Samolyk, 2004) or new small banks may be created that tend to devote large portions of their portfolios to SME loans (Berger et al., forthcoming).”
Do Small Businesses Still Prefer Community Banks (2013, background): “…to decline at consolidating institutions, but may be offset by increased lending supplies by other banks in the market or through increased market entry of newly chartered banks (e.g., Berger, Saunders, Scalise, and Udell 1998, Avery and Samolyk 2004, Berger, Bonime, Goldberg, and White 2004).”
Does Market Size Structure Affect Competition? The Case of Small Business Lending (2007, unknown): “These increases come from both incumbent banks (e.g., Berger, Saunders, Scalise, and Udell 1998, Avery and Samolyk 2004) and from increased entry of newly chartered banks (e.g., Berger, Bonime, Goldberg, and White 2004).”
Further Evidence on the Link between Finance and Growth: An International Analysis of Community Banking and Economic Performance (2003, unknown): “…be “external effects” in which other existing banks react and increase their own supplies (e.g., Berger, Saunders, Scalise, and Udell 1998, Berger, Goldberg, and White 2001, Avery and Samolyk 2004) or new banks form to help offset the lack of supply (Berger, Bonime, Goldberg, White, forthcoming).”
Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States (2004, background): “Other banks in the same local markets appear to respond by increasing their own supplies of SME credit (e.g., Berger, Saunders, Scalise, and Udell 1998, Berger, Goldberg, and White 2001, Avery and Samolyk 2004).”