Identification of Local Capital Markets for Policy Research

Glen Rogers, Ron Schaffer and Glen Pulver
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Glen Rogers: University of Wisconsin-Madison
Ron Schaffer: University of Wisconsin-Madison
Glen Pulver: University of Wisconsin-Madison

The Review of Regional Studies, 1988, vol. 18, issue 1, 55-66

Abstract: This paper reports the results of a study seeking to identify appropriate geographic units of analysis for research on bank credit for small rural non-farm businesses. Establishment of many rural banks in a historical period of local transportation modes, trade patterns, and state regulatory jurisdiction has left an institutional legacy of geographically small rural bank markets. Availability of secondary data at the state and county level, together with this historical legacy, have led in the past to adoption of county boundaries rather than a service area, as boundaries of local rural credit markets. Frequently this assumption of counties as appropriate units of analysis is not based on observed market patterns. The study being reported addresses the research question of whether local geographic credit markets are better approximated by county boundaries or by the subcounty community units of analysis which lenders reported as their market. Data on 1986 lender portfolio distribution, lending experience and market growth are collected from personal interviews of all formal lenders in four Wisconsin rural counties.

Date: 1988
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