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9781606920435

Small Business Administration : Operations and Programs

by
  • ISBN13:

    9781606920435

  • ISBN10:

    160692043X

  • Format: Paperback
  • Copyright: 2008-10-01
  • Publisher: Nova Science Pub Inc
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List Price: $57.00

Summary

The Small Business Administration's (SBA) 7(a) program, initially established in 1953, provides loan guarantees to small businesses that cannot obtain credit in the conventional lending market. In fiscal year 2006, the program assisted more than 80,000 businesses with loan guarantees of nearly $14 billion. This book examines (1) the program's purpose, based on its legislative history, and performance measures; (2) evidence of constraints, if any, affecting small businesses' access to credit; (3) the types of small businesses served by 7(a) and conventional loans; and (4) differences in SBA's estimates and re-estimates of the program's credit subsidy costs. GAO analysed agency documents, studies on the small business lending market, and data on the characteristics of small business borrowers and loans.

Table of Contents

Results in Briefp. 1
Backgroundp. 5
Though Incorporating Policy Objectives from the 7(a) Program's Legislative History, 7(a)'s Performance Measures Do Not Gauge the Program's Impact on Participating Finnsp. 9
Limited Evidence Suggests that Certain Market Imperfections May Restrict Access to Credit for Some Small Businessesp. 17
A Higher Percentage of 7(a) Loans Went to Certain Segments of the Small Business Lending Market, but Conventional Loans Were Widely Availablep. 21
Current Reestimates Show Lower-than-Expected Subsidy Costs, but Final Costs May be Higher or Lower for Several Reasonsp. 31
Conclusionsp. 35
Recommendation for Executive Actionp. 39
Objectives, Scope and Methodologyp. 41
Summary of Economic Literature on the Empirical Evidence for Credit Rationing and Discrimination in the Conventional Lending Marketp. 51
Descriptive Statistics of 504 Loan Programp. 63
Referencesp. 69
Indexp. 71
Table of Contents provided by Blackwell. All Rights Reserved.

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