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Journal Article
Can the supply of small business loans be increased?
2011
Overview
Small and new businesses, widely credited as engines for job growth, have struggled during the recovery. One reason, say some analysts, is that bank lending to small businesses has declined steadily since the start of the recession. Understanding the factors that affect loan supply may help policymakers design policies to increase the supply of small business loans and, therefore, support further job growth. This article analyzes the potential effectiveness of two strategies that policymakers can use to expand the supply of small business loans: increasing bank capital and reducing problem assets. The results show that both strategies have a statistically significant effect on the supply of small business loans and thus are potentially useful policy tools for expanding the supply of small business loans. However, the economic effect of the two policies is different. Policies that provide additional capital to community banks are likely to generate only a small amount of new business lending.
