7(a) and 504 subsidy rates: hearing before the Committee on Small Business, House of Representatives, One Hundred Fifth Congress, first session, Washington, DC, July 16, 1997, Volume 4
U.S. Government Printing Office, 1998 - Business & Economics - 180 pages
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Hearing held on July 16 1997
Deseve G Edward Controller and Acting Deputy Director for Management
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504 loan programs 504 program According to SBA additional agencies Aida Alvarez Alvarez amount analysis assess assumptions borrowers business loans cash flows Chairman TALENT changes claims and recoveries cohort averages collateral Committee Congress cost credit history credit programs Credit Reform Act credit scoring credit subsidy estimates credit subsidy rate default rates defaulted loans deferrals DESEVE disbursements econometric economic models error estimated credit subsidy Federal Credit Reform fiscal year 1997 highest severity rates historical data internal controls John Winchester LaFalce loan files loan guarantees loan loss rates loans purchased loss severity rates lowest severity rates Merrill Lynch million percentage prepayments procedures ratios recovery rates risk based pricing sampled loans SBA and OMB SBA estimated SBA Loan Trust SBA's seasoned cohort servicing Small Business Administration spreadsheet standards subsidy models transactions trend underwriting characteristics WALKER A COMPANY workouts