Lending decision making and the Competition Commission report on the provision of banking services to small firms

TY - JOUR

T1 - Lending decision making and the Competition Commission report on the provision of banking services to small firms

AU - Ashton, John K.

AU - Keasey, Kevin

PY - 2003

Y1 - 2003

N2 - This paper examines the Competition Commission report on the provision of small and medium-sized enterprise (SME) banking services in the UK. The examination will centre on the perceived clash between the ‘remedies’ proposed by the Competition Commission and the present forms of lending decision making, a key function in business banking. It is concluded that the Competition Commission assessment of the provision of banking services by clearing banks to small firms, directs scant attention as to how banking services are ‘manufactured’ or banks actually make decisions and operate in practice.

AB - This paper examines the Competition Commission report on the provision of small and medium-sized enterprise (SME) banking services in the UK. The examination will centre on the perceived clash between the ‘remedies’ proposed by the Competition Commission and the present forms of lending decision making, a key function in business banking. It is concluded that the Competition Commission assessment of the provision of banking services by clearing banks to small firms, directs scant attention as to how banking services are ‘manufactured’ or banks actually make decisions and operate in practice.

UR - http://www.scopus.com/inward/record.url?scp=85032755342&partnerID=8YFLogxK

U2 - 10.1108/13581980310810381

DO - 10.1108/13581980310810381

M3 - Article

AN - SCOPUS:85032755342

SN - 1358-1988

VL - 11

SP - 26

EP - 36

JO - Journal of Financial Regulation and Compliance

JF - Journal of Financial Regulation and Compliance

IS - 1

ER -