Survey on Lending Practices to SMEs in Austria

The importance of small and medium enterprises (SMEs) to economic development and job creation is increasingly recognized across the world. With an expected 58 percent of gross value added in 2012, SMEs are perceived to be the backbone of the econo...

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Bibliographic Details
Main Author:	Lindner, Bernhard
Format:	Working Paper
Language:	English en_US
Published:	World Bank, Vienna 2016
Subjects:	LOAN PROCESSING TIME ACCOUNTING PRINCIPLES PHYSICAL CAPITAL EMPLOYMENT DEPOSIT CO-OPERATIVE BANK CREDIT CARDS ACCOUNTING DEPOSITS PEOPLE POLICY ENVIRONMENT FINANCIAL MANAGEMENT FINANCING MICRO-ENTERPRISES BANK OFFICE LENDING POLICIES CREDIT SCORE INDUSTRY STRATEGIES SERVICES BANK ACCOUNT CAPITAL STRUCTURES HOUSING CAPITAL STRUCTURE MORTGAGE CREDIT COOPERATIVES LENDING PORTFOLIO CAPACITY BUILDING LOAN FEE PROJECTS BORROWERS CREDIT CARD CREDIT INSTITUTION CASH FLOWS AUDITS BANK LENDING SMALL BUSINESS MUNICIPAL BONDS NET ASSETS CREDITS SAVINGS TECHNICAL ASSISTANCE START-UP INDEBTEDNESS LIMITED ACCESS TO BANK MARKET DEVELOPMENT COMMERCIAL BANK TRANSPORT UNION ECONOMIC COOPERATION FINANCES LOAN DECISION CREDIT APPLICATIONS LENDING DECISIONS PAYMENT CRITERIA FINANCIAL INSTITUTIONS DEBT FINANCIAL CRISES LIMITED ACCESS LOAN APPLICATION MORTGAGE BANKS LOANS ENTERPRISES CAPITAL INVESTMENTS APPLICATION PROCESS BANK CREDIT FINANCIAL SYSTEM BANK FINANCING FINANCE FUTURE CASH FLOWS MICRO ENTERPRISES BANKING SECTOR SAVINGS ACCOUNT BANKS EQUITY GRANT CREDIT DECISIONS CAPITAL BUSINESS PLAN BUSINESS EXPERIENCE SMALL ENTERPRISES JOINT STOCK BANKS SUBSIDIARIES ACCESS TO FINANCE VALUE BANK CREDIT WORKING CAPITAL DOCUMENTATION REQUIREMENTS REPAYMENT ENTERPRISE PROPERTY UNIVERSAL BANKS GUARANTOR LOAN PORTFOLIO JOB CREATION BALANCE SHEET EQUITY RATIO CREDIT BUREAU RISK FACTORS PROFITABILITY INSURANCE ECONOMIC DEVELOPMENT INTERESTS SECURITY ACCOUNTING STANDARDS LOAN APPLICATIONS NATIONAL BANK INVESTMENT RISK LOAN PROCESS COMMERCIAL BANKS COLLATERAL BALANCE SHEETS AUSTRIAN NATIONAL BANK LOAN SIZE COOPERATION BANKING COOPERATIVES INVESTMENTS LENDING SAVINGS BANKS EXTERNAL FINANCING LOAN PROCESSING TAX RETURN REMITTANCES GOVERNMENTS TAX RETURNS CREDIT INSTITUTIONS CREDIT DECISION SAVINGS BANK CASH FLOW ECONOMIC CONDITIONS CREDIT APPLICATION AUDITING BUSINESS RISK SPECIALIZED BANKS EMPLOYEES
Online Access:	http://documents.worldbank.org/curated/en/2016/05/26396204/survey-lending-practices-smes-austria http://hdl.handle.net/10986/24493

Internet

http://documents.worldbank.org/curated/en/2016/05/26396204/survey-lending-practices-smes-austria
http://hdl.handle.net/10986/24493

Survey on Lending Practices to SMEs in Austria

Internet

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