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Banking financing for SME's: Evidence across countries and bank ownership types
Beck,T.H.L. Demirgüc-Kunt,A. Martinez Peria,M.
Beck,T.H.L.
Demirgüc-Kunt,A.
Martinez Peria,M.
Abstract
Using data for 91 large banks from 45 countries, this paper finds that foreign, domestic private, and government-owned banks use different lending technologies and organizational structures for SME financing. The extent, type, and pricing of SME loans, however, is not strongly correlated with lending technologies and organizational structures, suggesting that SME financing need not be based only on “relationship lending”. Consistent with these results, we find few significant differences in the extent, type, and pricing of SME loans across bank types. Instead, we find significant differences across developed and developing countries, driven by differences in the institutional and legal environment.
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Appeared earlier as CentER DP 2009-71
Date
2011
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beck_jfsr.pdf
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Keywords
bank financing, small and medium-sized enterprises, small and medium-size enterprises, business environment, financing constraints, lending techniques, G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages, G30 - General, SDG 8 - Decent Work and Economic Growth, SDG 9 - Industry, Innovation, and Infrastructure
Citation
Beck, T H L, Demirgüc-Kunt, A & Martinez Peria, M 2011, 'Banking financing for SME's : Evidence across countries and bank ownership types', Journal of Financial Services Research, vol. 39, no. 1-2, pp. 35-54. https://doi.org/10.1007%2Fs10693-010-0085-4