Greater Access to Capital Is Needed to Unleash the Local Economic Development Potential of Minority-Owned Businesses
Greater Access to Capital Is Needed to Unleash the Local Economic Development Potential of Minority-Owned Businesses
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DOI：
10.1177/0891242413477188
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发表时间：
2013-08-01
影响因子：
1.5
通讯作者：
Robb, Alicia
中科院分区：
文献类型：
--
作者：
Bates, Timothy;Robb, Alicia
获得融资的机会有限，限制了少数群体工商企业实现生存能力、创造新的就业机会以及总体上充分发挥其潜力为所在社区和地区的经济发展作出贡献的能力。虽然小型企业对金融机构的贷款的依赖程度超过了所有其他借款来源的总和，但它们在借款时的成本高于白色企业，获得的贷款较少，贷款申请被拒绝的次数也更多。对于少数民族社区的MBE来说，这些借贷问题是复杂的。需要采取行动。联邦政府需要起诉那些基于借款人种族歧视MBE的金融机构。地方政府在选择与之有业务往来的地方银行时，可以通过权衡银行在当地少数族裔社区的贷款活动来提供帮助。公共部门客户需要及时支付MBE供应商的发票。
Limited access to financing restricts the ability of minority business enterprises (MBEs) to achieve viability, to generate new jobs, and, generally, to reach their full potential to contribute to the economic development of the communities and regions in which they operate. Although MBEs rely more heavily on financial institutions for loans than all other borrowing sources combined, they experience higher costs than White firms when they borrow, receive smaller loans, and have their loan applications rejected more often. For MBEs in minority neighborhoods, these borrowing problems are compounded. Action is needed. The federal government needs to prosecute financial institutions that discriminate against MBEs on the basis of borrower race. Local governments can assist by weighing bank-lending activity in local minority communities when choosing the local banks with which they do business. Prompt payment of MBE vendor invoices by public-sector clients is needed.