Submission to Parliamentary Joint Committee on Corporations and Financial Services Access for Small and Medium Business to Finance

The Australian Bankers’ Association (ABA) noted that small businesses have had a tough trading period throughout the global financial crisis and are still dealing with its impacts. Weaker trading conditions can undermine small business balance sheets due to reduced revenues. Unfortunately, some small businesses have experienced cash flow problems, and in some cases, this has caused banks to decline loan applications because of the businesses’ reduced ability to repay their loans.


During the GFC, when trading conditions for small businesses deteriorated, banks rightly re-priced for risk when lending to this sector. This is a prudent approach from the banking sector.

11 February 2011: Covering Letter - ABAs Small Business Submission

11 February 2011: Submission to Parliamentary Joint Committee on Corporations and Financial Services Access for Small and Medium Business to Finance

11 February 2011: Appendix 2 Data Sheet - Small Business Lending

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