Access to Credit by Small Businesses: How Relevant Are Race, Ethnicity, and Gender?
利用1998和2003年小企业财务调查数据，分析在控制贷款决策可观测因素后，少数族裔或白人女性拥有的企业与白人男性拥有的企业在贷款批准率和利率上是否存在显著差异。
This paper employs data from the 1998 and 2003 Survey of Small Business Finances to analyze whether, after controlling for observable factors that influence loan decisions, there is a significant difference in the loan approval rate and the interest rate charged on approved loans for businesses owned by minority or white females and firms owned by white males.