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M Small loans Small Loan Policies. (In: Banking* Journal of the A9B,A. Nova935,p.27,23>740 Small loans by commercial banks on a straight interest base are not profitable^ Two plans are outlined which overcame this difficulty^ M Small loans. Depression experience £n the szaall loan field, ( i n : *• 3.A.Journal, November 1932,p«21«) Higher operating costs and smaller loans to fewer people. Chart showing downward trend of appl i c a t i o n s and greater care i n making loans. Study made by the A.B.A. BAtRD, Frieda "Commercial Bank Activity in Constaer Instalment Financing," FEDERAL RESERVE BULLETIN, March 1947, pp. 264-69* dvKUkT'Ai j Vol. 33 , forch J WV7. M Instalment plan Bany, David C. Consumer financing and i t s relation to the commercial bank. (Jr. of the American S t a t i s t i cal Association, March 1958, p. 51-8) The subject of taking over the installment financing now do$e by industries and separate finance companies by the commercial banks as a good means of making income. BARRY, David C. Consumer financing and its relation to the commercial bank, JOURNAL OF THE AMERICAN STATISTICAL ASSOCIATION, Vol. 33, No. 201, March, 1938, pp. 51-58. BRIHBERG, H. R. Cash loans f o r consumers, COHFEREHCE BOABD BUSINESS RECORD, October f 1949. I n d u s t r i a l and coiamercial banks J?, "tXyrfA?? Vy$jA/£S9 S0fin R&V/£W W? H Snail l o a n s Brown, Jonathan A. and Delano, James E. Commercial banks and small loans* (ln:Harvaa Business Review, Summer 19?8, p . 4 8 1 ) A study of the current l i t e r a t u r e i n the field* DeLano BROWN, Jonathan A. and DELANO, James E« Commercial banks and small loans, HARVABD BUSINESS REVIEW, Summer, 1938, pp. 481-490. CHAPMAN, John M, and A s s o c i a t e s COMMERCIAL BANKS AND CONSUMER INSTAIMMF CREDIT. S t u d i e s i n Consumer Instalment FINANCING, 3 . New York: National Bureau o f Economic Research, 1940. Pp* x x i v , 3 1 8 . CHAPMAN, JofaiM* and Associates COMMERCIAL BANKS AND CONSUMER INSTALMENT CREDIT. "Financial Research Program of N.B.E.R" Studies in Consumer Instalment Financing, No* 3* New York; National Bureau of Economic Research, Inc., 1940. Pp. xxiv + 318. DAUER, Ernst A. COMPARATIVE OPERATING EXPERIENCE OF CONSUMER INSTALMENT FINANCING AGENCIES AND COMMERCIAL BANKS, 1929-1941. Hew York: National Bureau of Economic Research, 1944* Pp* 240• DAUER, E. A. COMPARATIVE OPERATING EXPERIENCE OF CONSUMER INSTALLMENT FINANCING AGENCIES AND COMMERCIAL BANKS. New lork: National Bureau of Economic Research, 1944. FEDERAL RESERVE BANK OF NEW YORK MONTHLUBEVIEW Consumer lending by second district member banks, June 1947, pp. 58-60. Instalment lending by second district member banks, June 1950, pp. 63-5• FEDERAL RESERVE BANK OF NEW YORK Instalment lending by Second District Member Banks, MONTHLY REVIEW, June, 1950. FLORA, C M. Basic credit factors in instalment lending, MID-WESTERN BANKER, April 19A9- consumer credit—industrial and commercial banks FOULKE, R. A. and PROCHNOW, H. V. PRACTICAL ftNK CREDIT. H a l l , 1939Pp. x i i , 690. New York: Prentice- 2d e d , , 1950. Commercial and industrial banks HENDERSON, B. E. Competition for consumer credit, BAMKING, January, 1937, p. 24- M Snail loans. Haines, Howard V/right The cost of 3noll loans* (In: American Bank« ers association Journal, December 1930, p # 496- ) Approximately 170 commercial banks now operating successful departments for borrowers of sums ranging from £5o to $1,Q00# Experience shows £8 per ^100 needed to insure a safe margin* Minimum expenses per £100 estimated at $5,54. M Small loans Haines, Howard Snail loan technique, co-maker loans direct* (InxBankers Magazine,May 1936,p.429-452; Je., p.533j Jy p.80jAug.p.l51;SepUp.248}0ct.p.555) A series of six articles* JENNINGS, Henrietta Cooper THE CONSUMER IN COMMERCIAL BANKING. New York: Consumer Credit Institute of America, Inc., 1939* Pp. xvii, 153. JENNINGS, Henrietta Cooper THE CONSUMER IN COMMERCIAL BANKING. New York: Consumer Credit Institute of America, 1939* Pp» xvii, 158. Review: by H. L. Heed, AMERICAN ECONOMIC REVIEW, XXIX, December, 1939, pp* 874-876. JENNINGS, Henrietta Cooper THE CONSUMER IN COMMERCIAL BANKING. New York: Consumer Credit Institute of America, Inc., 1939. Pp. xvii + 158. Reviewed by R. A. Young, JPE, XLIX, Oct. 1941, pp. 784-6. MALLON, G.Vi. 1933. BANKERS VS. CONSUMEPS. Pp. 155. Nev York: J o h n Day, McCORD, R. G. Consumer credit loans, MID-VESTERN BANKER, February, 1947. McDANIEL, V* H. Instalment lending policies for Illinois banks* Chicago: Illinois Bankers Association, 1949* MILLER, Stanley L. The banking invasion of the consumer credit field, THE ANNALIST, August 8, 1940. in C^hu/Jy&r•idoeiruMc ma j oF sT76t<itr>te*7T BUS/AJ£S% PV • " a - i f 7 hl**7ct+?- XXI JM./^ >" MORS, Wallace P. Commercial banks and competitive trends in consiamer instalment financing, (University of Chicago) JOUBKAL OF BUSINESS, July, 1943. Pp. 35. MORS, Wallace P. Commercial banks and competitive trends in consumer instalment financing, JOUBNAL OF BUSINESS (university of Chicago), July, 1948. 35 pp. MORS, ¥. P. Commercial banks and competitive trends in consumer inatalraent financings (UaiTersity of Chicago) JOURNAL OF BUSINESS, July, 1948. Pp. 35. SL Small loans N e i f e l d , M. R. Outstanding personal finance l o a n s $305,986 000, 21$ higher than i n 1929, ( I n : A n n a l i s t , Jy. 6,1938, p.38) Tabulated e s t i m a t e s of numbers of persons using finance l o a n s and amount of such c r e d i t outstanding • NEW YOBK STATE BANKING DEPARTtffiNT Analysis of Operations of Personal Loan Departments of Banks and Trust Companies, 1939-44* July, 1945. M Small loans Nugent, Rolf The growth of personal lending. (In:Banking, Jr. of the A.B.A.,Dec.l9?7,p.26) Growth of the activity of personal loan departments among commercial banks* Tabulated total year-end loan balances of personal loan departments from 1924-1936, and number of departments organized each year. M Nugentf Holf The growth of personal lending» Jr» of the AJB»A» Dec»1937fp#26„ ) (In:Bankiig Growth of the a c t i v i t y of personal loan departments among canmerclal banks• Tabulated total year-end loan balances of personal loan departments from 1924-1936, and numbercf departments organized each year Bks & banking-Personal loan departments Snail loans. M Small loans Nugent, Rolf A census of personal loan departments. Banking, J r . of the A.B.A.,Nov.l9£7,p.£8-9) (In; The r e s u l t s of a study made by the Russell Sage Foundation on amount of personal l o a n s , shoeing number of personal loan departments and t o t a l loan balance by s t a t e s 1956. u Nugent, Bolf A census of personal loan departments. (In: Banking, Jr. of the A.B.A., Nov.l937,p.28-9. ) The results of a study made by the Russell Sags Foundation on amount of personal loans? showing number of personal loan departments and total loan balance by states 1936• Bks k bkg-Peroenal loan departments. Small loans M Small l o a n s Nugent, Rolf P e r s o n a l l o a n c o s t s and p r o f i t s # J r . o f t h e A.B # A # ,June 1 9 3 7 , p . 2 6 - 2 7 ) Tabulated c o s t s of small l o a n s * (In:Banking IT Nugentt Rolf Fsrsonal loan costs and profits* (In: Banking, Jr# of the A#B#A» Jtane 1937 t p # 26-27*} Tabulated costs of small loans Staia 11 loans* IT Snail loans Nugent, Rolf The first thing about personal loans. (In: Banking, jr. of thr A.B.A .Aug. 1936,p.28*30) Banks and banking- Operation & methods. n * " -Personal loan dept. PAOJD/ J . ft r The ^rtonc*! Hie tin* nun I©*i AccAemsf dr p p . 15* Ml* a* parlrYiHgnt" 9ji hcU ° f *- h PHELPS, C. V. Commercial banks asd the consumer instalment credit field, SOUTHERN BANKER, September, 1946. PHELPS, C. V. The bank18 program for getting consumer Instalment cred i t , BANKING LAV JOURNAL, January, 1946. PHELPS, C. V. Hov banks have handled Instalment loans with success, BANKERS MONTHLY, January, 1946. PHELPS, Clyde V. The BPnk' s Program for Getting Consumer Instalment Credit, BANKING LAV JOURNAL, January, 1946. ROBINSON, Roland I . THE MANAGEMENT OF BANK FONDS. McGraw-Hill, 1951. New York: commercial bank l o a n s t o finance consumer purchases, pp. 2 4 0 - 2 5 8 . RYAN, F. V. Short-term loans in the United States during 1932 and 1933, (University of Chicago) JOURNAL OF BUSINESS, July, 1934. Pp. 4. SAULNIER, Raymond J . INDUSTRIAL BANKING COMPANIES AND THEIR CREDIT PRACTICES. "Studies in Consigner Instalment Financing, n No. 4 . New York: National Bureau of Economic Research, 1940. Pp. x x i , 1 9 2 . Review: by William B. Palmer, JOURNAL OF POLITICAL ECONOMY, Vol. 50, D e c , 1942, p. 962. SAULNIER, R. J., and Associates INDUSTRIAL BANKING COMPANIES AND THEIR CREDIT PRACTICES, New York: National Bureau of Economic Research, 1940. Review* by William B. Palmer, JOURNAL OF POLITICAL ECONOMY, L, D e c , 1942, p. 962. institutional survey of agencies conderned with consumer instalment credit SAVAGE, T. E. Banks and Consumer Credit, BANKERS MAGAZINE, February, 1943. Pp. 20. UPTON, M. Expanded cooperation between commercial banks and finance companies in financing consumer c r e d i t s , JOURNAL OF FINANCE, October, 1947. Pp. 1 3 . UPTON, Miller Expanded cooperation between commercial banks and finance companies in financing consumer credits, JOURNAL OF FINANCE, Vol. I I , No. 2, October, 1947. INTIMA, T. 0. The market for consumer credit: a case of imperfect competition, THE ANNALS of the American Academy of Political and Social Science, March, 1938, pp. 79-85. WOODS, A, ¥• Banks in the small-loan field; banks can become a dominant factor in the personal finance business bat it has limitations and pitfalls* BANKERS MAGAZINE, Jtxne, 1931.
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