東華大學圖書館 |

語系: 繁體中文

說明(常見問題)

回圖書館首頁

手機版館藏查詢

登入

回首頁

切換: 標籤 | MARC模式 | ISBD

The competitive environment of commu...

Morrison, Robert D.

FindBook

Google Book

Amazon

博客來

The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing./
作者:	Morrison, Robert D.
面頁冊數:	158 p.
附註:	Source: Dissertation Abstracts International, Volume: 77-07(E), Section: A.
Contained By:	Dissertation Abstracts International77-07A(E).
標題:	Banking. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10020590
ISBN:	9781339513713

The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing.
Morrison, Robert D.

The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing. - 158 p.

Source: Dissertation Abstracts International, Volume: 77-07(E), Section: A.

Thesis (Ph.D.)--The University of Texas Rio Grande Valley, 2015.

Over the past 35 years, Great Depression era regulatory restrictions on the geographic area of operation and the scope of financial services banks can offer have change significantly. These changes fueled a surge of merger activity and resulted in a 70% decrease in the number of bank charters by 2015. Currently, community banks hold only 14% of bank assets in the US; nonetheless, they play an important role in the US economy because they continue to provide the majority of funding to small businesses. This study finds that over 83% of bank failures occurred in metropolitan areas despite the distribution of community banks being almost equal at 49.5% rural and 50.5% metropolitan. An analysis of FDIC data from 2000 through 2014 indicates that rural and community banks do differ significantly on variables related to bank profitability and loan portfolio risk. Metropolitan banks have lower ratios on pre-tax return on assets, and return on equity. On average, metropolitan banks are approximately 30% less profitable than their rural counterparts. Since the 2007 financial crisis, on average, metropolitan banks have higher ratios on variables related to loan portfolio risk and since 2010 they have lower capital to asset ratios. The higher bank failure rates, riskier loan portfolios, and lower capital to asset ratios associated with metropolitan community banks provides support for the competition-fragility view that increased competition in banking leads to more bank failures. The nationwide survey in this study indicates that metropolitan community bankers perceive the competitive environment to be more intense and that their marketing capabilities are inferior to the large nationwide and regional banks that they compete against. Community bankers perceive that the merger and acquisition activity will continue and that it is driven by the need to achieve economies of scale in technology and regulatory compliance. Based on previous research that larger banks extend less credit to small businesses, this will further restrict the availability of bank credit to new businesses and existing microenterprises. Given that microenterprises employ the majority of people and contribute to new job creation, there are serious economic implications.

ISBN: 9781339513713Subjects--Topical Terms:

1557594
Banking.

The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing.
LDR:03247nmm a2200289 4500 001 2072893
005 20160902113909.5
008 170521s2015 ||||||||||||||||| ||eng d
020 $a 9781339513713
035 $a (MiAaPQ)AAI10020590
035 $a AAI10020590
040 $a MiAaPQ $c MiAaPQ
100 1 $a Morrison, Robert D. $3 890448
245 1 4 $a The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing.
300 $a 158 p.
500 $a Source: Dissertation Abstracts International, Volume: 77-07(E), Section: A.
500 $a Advisers: Joo Jung; Dave Jackson.
502 $a Thesis (Ph.D.)--The University of Texas Rio Grande Valley, 2015.
520 $a Over the past 35 years, Great Depression era regulatory restrictions on the geographic area of operation and the scope of financial services banks can offer have change significantly. These changes fueled a surge of merger activity and resulted in a 70% decrease in the number of bank charters by 2015. Currently, community banks hold only 14% of bank assets in the US; nonetheless, they play an important role in the US economy because they continue to provide the majority of funding to small businesses. This study finds that over 83% of bank failures occurred in metropolitan areas despite the distribution of community banks being almost equal at 49.5% rural and 50.5% metropolitan. An analysis of FDIC data from 2000 through 2014 indicates that rural and community banks do differ significantly on variables related to bank profitability and loan portfolio risk. Metropolitan banks have lower ratios on pre-tax return on assets, and return on equity. On average, metropolitan banks are approximately 30% less profitable than their rural counterparts. Since the 2007 financial crisis, on average, metropolitan banks have higher ratios on variables related to loan portfolio risk and since 2010 they have lower capital to asset ratios. The higher bank failure rates, riskier loan portfolios, and lower capital to asset ratios associated with metropolitan community banks provides support for the competition-fragility view that increased competition in banking leads to more bank failures. The nationwide survey in this study indicates that metropolitan community bankers perceive the competitive environment to be more intense and that their marketing capabilities are inferior to the large nationwide and regional banks that they compete against. Community bankers perceive that the merger and acquisition activity will continue and that it is driven by the need to achieve economies of scale in technology and regulatory compliance. Based on previous research that larger banks extend less credit to small businesses, this will further restrict the availability of bank credit to new businesses and existing microenterprises. Given that microenterprises employ the majority of people and contribute to new job creation, there are serious economic implications.
590 $a School code: 1863.
650 4 $a Banking. $2 bicssc $3 1557594
650 4 $a Entrepreneurship. $3 526739
650 4 $a Management. $3 516664
690 $a 0770
690 $a 0429
690 $a 0454
710 2 $a The University of Texas Rio Grande Valley. $b Business Administration. $3 3168380
773 0 $t Dissertation Abstracts International $g 77-07A(E).
790 $a 1863
791 $a Ph.D.
792 $a 2015
793 $a English
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10020590