Bank Financing for SMEs around the World : Drivers, Obstacles, Business Models, and Lending Practices

Using data from a survey of 91 banks in 45 countries, the authors characterize bank financing to small and medium enterprises (SMEs) around the world. They find that banks perceive the SME segment to be highly profitable, but perceive macroeconomic...

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Bibliographic Details
Main Authors:	Beck, Thorsten, Demirgüç-Kunt, Asli, Martínez Pería, María Soledad
Format:	Policy Research Working Paper
Language:	English
Published:	Washington, DC: World Bank 2012
Subjects:	ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO INFORMATION BANK CONSOLIDATION BANK FINANCING BANK INVOLVEMENT BANK LENDING BANK LOANS BANK POLICY BANKING INDUSTRY BANKING PRACTICES BANKING RELATIONSHIPS BANKING SYSTEM BANKS BEST PRACTICES BRANCH NETWORKS BUSINESS LOANS CAPITAL REQUIREMENTS COLLATERAL CONSOLIDATION COST OF CREDIT CREDIT ASSESSMENT CREDIT BUREAU CREDIT BUREAUS CREDIT DECISIONS CREDIT HISTORY CREDIT HISTORY INFORMATION CREDIT INFORMATION CREDIT PROGRAM CREDIT PROGRAMS CREDIT REGISTRIES CREDIT REGISTRY CREDIT SCORING DECENTRALIZATION DEFAULTS DEVELOPING COUNTRIES DEVELOPING COUNTRY DIRECTED CREDIT DOCUMENTATION REQUIREMENTS DOMESTIC BANKS ECONOMIC ACTIVITY EMERGING MARKETS EMPLOYMENT EQUIPMENT EXCHANGE RATE EXTERNAL FINANCE FACTORING FEDERAL RESERVE FEDERAL RESERVE BANK FEDERAL RESERVE BANK OF NEW YORK FINANCIAL DEEPENING FINANCIAL INSTITUTIONS FINANCIAL PRODUCTS FINANCIAL STATEMENTS FINANCIAL SYSTEM FINANCING OBSTACLES FOREIGN BANKS FORM OF COLLATERAL FORMS OF COLLATERAL GOVERNMENT BANKS GOVERNMENT SUPPORT GUARANTEE SCHEMES HIGH INTEREST RATES INCOME INCOME GROUP INFORMATION SHARING INTEREST RATE INTEREST RATES INTEREST SUBSIDIES INTERNATIONAL BANK INTERNATIONAL FINANCE INVESTMENT LOANS INVESTMENT PURPOSES LARGE BANKS LARGE BUSINESS LARGE BUSINESSES LARGE ENTERPRISE LARGE ENTERPRISES LARGE FIRM LARGE FIRMS LEGAL CONSTRAINTS LENDING DECISION LENDING DECISIONS LENDING TECHNIQUES LIQUID ASSETS LOAN LOAN APPROVAL LOAN APPROVALS LOAN DECISION LOAN DECISIONS LOAN EXPOSURES LOAN MARKET LOAN OFFICER LOAN RECOVERY MACROECONOMIC CONDITIONS MACROECONOMIC ENVIRONMENT MACROECONOMIC INSTABILITY MACROECONOMICS MARKET SHARE MARKET SIZE MEDIUM ENTERPRISES NON-PERFORMING LOAN NON-PERFORMING LOANS NONPERFORMING LOANS PERSONAL GUARANTEE PERSONAL GUARANTEES PRIVATE BANKS PRIVATE CREDIT PROFITABILITY PRUDENTIAL REGULATIONS PUBLIC BANKS PUBLIC POLICY QUESTIONNAIRE REAL ESTATE REAL ESTATE AS COLLATERAL RELATIONSHIP LENDING RESEARCH ASSISTANCE RISK MANAGEMENT SALE SALES SHARE OF INVESTMENT SMALL BANKS SMALL BUSINESS SMALL BUSINESS FINANCE SMALL BUSINESS LENDING SMALL BUSINESS LOANS SMALL BUSINESSES SMALL ENTERPRISE SMALL ENTERPRISES SMALL LOANS SUPPORT PROGRAMS TYPES OF ASSETS UNIVERSAL BANKING USE OF COLLATERAL
Online Access:	http://documents.worldbank.org/curated/en/2008/11/10048262/bank-financing-smes-around-world-drivers-obstacles-business-models-lending-practices http://hdl.handle.net/10986/6315

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http://documents.worldbank.org/curated/en/2008/11/10048262/bank-financing-smes-around-world-drivers-obstacles-business-models-lending-practices
http://hdl.handle.net/10986/6315

Bank Financing for SMEs around the World : Drivers, Obstacles, Business Models, and Lending Practices

Internet

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