摘要：How does the presence or absence of small business loans affect the emergence and development of rural businesses in traditionally underserved areas? Further, how has capital-intensive oil and gas development contributed to these lending patterns? In our ongoing work, we have established that locally oriented businesses such as small manufacturing establishments and retail outlets are associated with many beneficial local outcomes and promote nonmetropolitan community resilience. Using a longitudinal dataset based on annual public disclosures, we employ data on lending in more than 3,000 United States counties to build analytical visualizations. We provide relevant documentation through spatial statistics for future research on small business lending in underserved nonmetropolitan communities.
关键词：Community Reinvestment Act ; rural banking ; small businesses ; resource extraction ; credit;constrained ; underserved communities ; oil and gas development
