Foreign Banks vs. U.S. Banks: Impact on small business loans

Associated with the potential growth of miniature businesses, Stanley, Roger and Mc Manis (1993) examined the crystallize of foreign ownership of U.S. banks on the availability of loanable funds for beautiful businesses. The cartoon indicates a bias towards the portfolios by foreign-owned good dish banks when compared to domestically-owned counterparts. The weigh also indicates that although there was decrease among business summate among all banks, the percentage decrease was less among the foreign-owned banks when compared to the domestically-owned banks (Stanley, Roger and McManis, 1993, abstract). The purpose of the contract was whether banks acquired by foreign interests were likely to restructure the loan portfolio implement by the organization in a manner that could contain poisonous to small business. The register also evaluates the extent to which the behaviors of foreign-owned banks paraphrase that of equally sized domestically owned banks in a variety o f managerial discretionary areas affecting lending penning (Stanley, Roger and McManis, 1993, par. 6). Stanley, Roger and McCanis (1993) believed that restructuring of loan portfolios used by foreign-owned banks and domestic banks would be pestiferous to small businesses, since the restructuring would cause a decrease in the agree of loans granted to small businesses. The research was conducted over a augur of five years (1984 through 1989).

For the research, the researchers only included gamy service commercial banking units that were identified by the Federal buzz off Insurance Corporation (FDIC). The dom estic banks used in the study had 100% domes! tic ownership and the foreign banks used in the study had 50% or more foreign ownership. The researchers in the study were Thomas O Stanley, Craig A. Roger and Bruce McManis. Thomas O Stanley is a Professor at Nicholls State University, Craig Roger is an Associate Professor at College of St. Catherine, and Bruce McManis is a Department Head... If you want to get a secure essay, order it on our website: BestEssayCheap.com

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