May Oversight Report: The Small Business Credit Crunch and the Impact of the TARP.
(05/01/2014)
This report examines the ongoing lending contraction and discusses the government programs or initiatives that have affected bank lending and liquidity, both before and after the crisis. It presents the arguments for the source of the contraction supply, demand, economic conditions, and regulation, among others in the context of past, current, and future government efforts to increase lending. The report then evaluates Treasurys plans for the TARP as a spur to small business lending in light of Treasurys assertion that the TARP, as currently constituted, is not restoring adequate lending levels. Treasury argues that participation in the TARP has been...
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Năm XB: 2010 |
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This report examines the ongoing lending contraction and discusses the government programs or initiatives that have affected bank lending and liquidity, both before and after the crisis. It presents the arguments for the source of the contraction supply, demand, economic conditions, and regulation, among others in the context of past, current, and future government efforts to increase lending. The report then evaluates Treasurys plans for the TARP as a spur to small business lending in light of Treasurys assertion that the TARP, as currently constituted, is not restoring adequate lending levels. Treasury argues that participation in the TARP has been unattractive for the smaller banks that do a majority of their lending to smaller businesses and that this is a reason for the shortfalls in small business lending. As a consequence, Treasury has designed a capital infusion program for smaller banks those of $10 billion or less in assets in hopes that this will spur lending where prior capital infusion programs, which provided the majority of their funds to larger institutions, did not. Treasurys reliance on capital infusions for these institutions may, however, be misplaced: not only are smaller banks still under substantial stress and unable to shoulder the burden of leading the economy into recovery, but there are also poor data underlying the proposition that capital infusions increase lending. The subject of small business lending falls under the Panels mandate to examine the Secretary of the Treasurys use of authority under EESA and the impact of the TARP on the markets.
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