Access of Small Business to Finance

Access of Small Business to Finance

30 June 2010

© Commonwealth of Australia 2010
ISBN 978-1-74229-272-4

View the report as a single document - (PDF 1857KB)

View the report as separate downloadable parts:

Membership of Committee (PDF 136KB)
Summary and Recommendations (PDF 18KB)
Chapter 1 - Introduction (PDF 12KB)

Conduct of the inquiry
Structure of the report

Chapter 2 - Recent trends in small business finance (PDF 82KB)

The role of small business in the economy
The extent of the lending slowdown
Small business loans by industry and sector

Chapter 3 - Causes of the slowdown in small business finance (PDF 156KB)

Demand for credit by small business
Supply of credit to small business
Business liasion by official agencies
Business surveys
Comments by business organisations
Obtaining better information
Demographic factors

Chapter 4 - Costs and conditions of small business finance (PDF 238KB)

Interest rates
Security for small business loans

Chapter 5 - Competition in the market for small business finance (PDF 115KB)

Views about current extent of competition
The role of non-ADI lenders
Bank switching costs
The Government's bank funding guarantees
The Government's support for mortgage‑backed securities

Chapter 6 - Structural change in the market for small business finance (PDF 603KB)

Implications for small business lending
Development bank
Postal bank
Banks' service to small businesses
A small business loan guarantee

Chapter 7 - Improving financial literacy and codes of conduct (PDF 68KB)

Financial training
Comparing financial products
Codes of conduct
Committee view

Chapter 8 - Rural finance (PDF 131KB)

Lending to the rural sector
Suggested responses
Committee view

Chapter 9 - Venture capital (PDF 59KB)

Superannuation funds and venture capital
Equity-loan hybrids

Government Minority Report (PDF 157KB)
Additional Comments by Senator Xenophon (PDF 57KB)
Appendix 1 (PDF 47KB)
Submissions Received
Additional Information Received
Appendix 2 (PDF 31KB)
Public Hearings and Witnesses
Glossary (PDF 32KB)

For further information, contact:

Department of the Senate
PO Box 6100
Parliament House
Canberra ACT 2600

Phone: +61 2 6277 3540
Fax: +61 2 6277 5719