小额贷款公司财务风险防献综述.docVIP

本份文档包含：关于该选题的外文文献 、文献综述 一、外文文献 文献信息 标题: The Case of Minority Small Business Owners: Empirical Evidence of Problems in Loan Financing 作者: Bohdan, Roman; Tipton, Elizabeth; Kiefer, Dean 期刊名称: International Journal of Finance and Banking Studies；第3卷； 第3期；页码：1-13；年份: 2014 The Case of Minority Small Business Owners: Empirical Evidence of Problems in Loan Financing Abstract This academic research explores the availability of loan financing to minority-owned businesses and examines a potential relationship between the size of a loan and the characteristics of a business in the USA. It also investigates the possible impact of different characteristics and quantifiable criteria on credit loan denial across different demographic groups. Probity models are used to evaluate the potential existence of racial or ethnic discrimination in the availability and approval of credit. Regression analysis is used to assess the impact that the race of a small business owner has on the relative size of a denied loan, the size of portioned credit, or the size of the company. When other variables suspected of influencing credit approval and rationing are controlled, black-owned and Asian-owned businesses appear to be less likely to be approved for loans and more likely to experience significantly greater credit rationing than their white counterparts. Keywords: Credit; ethnicity; loans; racial discrimination; small businesses 1. Introduction The Federal Reserve has conducted a Survey of Small Business Finances every five years since 1987 and has provided a series of rich datasets through 2003. These datasets have been used extensively by researchers investigating many aspects of banking practices with regard to small businesses. Many of these studies examined the issue of lending discrimination against women-owned and black-owned businesses and concluded that such discrimination does exist. This study identifies several characteristics that affect the amount, approval and denial of loans and