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)

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View the report as separate downloadable parts:

Membership of Committee	(PDF 136KB)
Summary and Recommendations	(PDF 18KB)
Chapter 1 - Introduction	(PDF 12KB)
Background 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)
Introduction 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 Fees
Chapter 5 - Competition in the market for small business finance	(PDF 115KB)
Introduction 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)
Introduction 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)
Introduction Financial training Comparing financial products Codes of conduct Committee view
Chapter 8 - Rural finance	(PDF 131KB)
Introduction Lending to the rural sector Suggested responses Committee view
Chapter 9 - Venture capital	(PDF 59KB)
Background 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
Australia

Phone:	+61 2 6277 3540
Fax:	+61 2 6277 5719
Email:	economics.sen@aph.gov.au