摘要: In this study the effect of bank mergers on most recent attempt to obtain financing from a sample U.S. small firms in mid-1990s is examined. Banking mergers, which affected about 25% responding the survey, had no significant ability obtain a loan or contract loan rate commercial bank. However, incidence does appear increase nonprice loan terms, related fees for services, raise the frequency searching new bank, and result deterioration of service quality. Little evidence found that informationally opaque firms (e.g., smallest firms) bear higher cost than do less opaque firms.
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