Results in Brief | p. 1 |
Background | p. 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 Finns | p. 9 |
Limited Evidence Suggests that Certain Market Imperfections May Restrict Access to Credit for Some Small Businesses | p. 17 |
A Higher Percentage of 7(a) Loans Went to Certain Segments of the Small Business Lending Market, but Conventional Loans Were Widely Available | p. 21 |
Current Reestimates Show Lower-than-Expected Subsidy Costs, but Final Costs May be Higher or Lower for Several Reasons | p. 31 |
Conclusions | p. 35 |
Recommendation for Executive Action | p. 39 |
Objectives, Scope and Methodology | p. 41 |
Summary of Economic Literature on the Empirical Evidence for Credit Rationing and Discrimination in the Conventional Lending Market | p. 51 |
Descriptive Statistics of 504 Loan Program | p. 63 |
References | p. 69 |
Index | p. 71 |
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