What if the banking system is dominated by an oligopoly (the situation throughout most of Europe) and they are all offering the same deal? > money to start bu

What if the banking system is dominated by an oligopoly (the situation throughout most of Europe) and they are all offering the same deal? > money to start businesses What proportion of bank lending is that? Close to insignificant.. Pretty much all small businesses/low collateral loans are backed by governments which are already pure profit for the banks