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Rural Businesses Voice Few Complaints about Their Bankers

Author

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  • McGlone, James M.

Abstract

Put aside those worries that the flow of rural credit may be jeopardized by the small size of rural populations. Rural borrowers are more satisfied with their banks than urban businesses are with theirs. Rural banks seem to have a good rapport with their business borrowers, they impose lower collateral requirements than urban banks, and they are more likely to approve loan applications. This does not necessarily mean that rural credit markets are adequate for development purposes, since we still don't know about the ability of potential borrowers to obtain credit. In addition, the relative lack of diversified loan portfolios contributes to a somewhat higher cost of credit for rural borrowers.

Suggested Citation

  • McGlone, James M., 1991. "Rural Businesses Voice Few Complaints about Their Bankers," Rural America/ Rural Development Perspectives, United States Department of Agriculture, Economic Research Service, vol. 7(2), May.
    • Handle: RePEc:ags:uersra:310939
    DOI: 10.22004/ag.econ.310939
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    File URL: https://ageconsearch.umn.edu/record/310939/files/RDP0591g.pdf
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    Cited by:

    1. Duncan, Marvin R. & Fischer, William R. & Taylor, Richard D., 1996. "Rural Economic Development: New Opportunities And Challenges For Commercial Bankers," Agricultural Economics Reports 23354, North Dakota State University, Department of Agribusiness and Applied Economics.
    2. Marlor, Felice S. & McGlone, James M., 1992. "Federal Nonfarm Business Credit Assistance: An Analysis of Disbursements to Rural Areas," Staff Reports 278636, United States Department of Agriculture, Economic Research Service.

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