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Fintech lending and firm bankruptcies

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  • Lam Nguyen
  • Bin Qiu

Abstract

This study examines the impact of fintech lending on small business bankruptcies at the county level in California from 2008 to 2023. Using Uniform Commercial Code (UCC) filings and California and Federal Judicial Center (FJC) bankruptcy records, we find that increased fintech lending is associated with decreased bankruptcy rates across counties. This suggests that fintech lenders play a crucial role in supporting small businesses by maintaining credit access, even during economic downturns, thereby helping to mitigate the impact of reduced bank lending.

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  • Lam Nguyen & Bin Qiu, . "Fintech lending and firm bankruptcies," Journal of Credit Risk, Journal of Credit Risk.
    • Handle: RePEc:rsk:journ1:7961034
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    File URL: https://www.risk.net/node/7961034
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