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Effects of commercial bank structure and other characteristics on agricultural lending

Agricultural Finance Review

ISSN: 0002-1466

Publication date: 5 May 2000

Abstract

A case loan request methodology evaluated how changes in commercial banking structure are influencing credit availability and terms for selected farm business types. Tobit and OLS regressions were used to assess bank characteristic effects on loan amount and rate, and a paired comparisons approach evaluated credit term differences among borrower types. Loan amounts were not significantly influenced by bank characteristics, and loan rates were significantly affected by bank characteristics sporadically. Some differentiation in credit terms among the demographic groups occurred. These results showed no overwhelming evidence in favor of or against the trend toward commercial bank consolidation as it impacts agricultural lending.

Keywords

Citation

Bard, S.K., Barry, P.J. and Ellinger, P.N. (2000), "Effects of commercial bank structure and other characteristics on agricultural lending", Agricultural Finance Review, Vol. 60 No. 1, pp. 17-31. https://doi.org/10.1108/00214670080001108

Publisher

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MCB UP Ltd

Copyright © 2000, MCB UP Limited