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It is well recognized that relationship banking helps to relieve the credit constraints faced by SMEs to access bank … means different things to different banksand different borrowers. How trust enablesthe credit market for SMEs through …-basedrelationship banking helpedto reduce the credit constraints faced by SMEs in the decade following the global financial crisis. …
Persistent link: https://www.econbiz.de/10012632147
medium-sized enterprises (SMEs) in China. Our research contributes to the literature in several ways. First, we examine both … the financial costs and loan benefits associated with SME relationship banking, extending the scope of existing literature … constraints, drawn from a recent survey on SMEs in China. Our findings are twofold. On one hand, bank relationship spending …
Persistent link: https://www.econbiz.de/10014491201
This study delves into the impact of technological bank innovations on small and medium-sized enterprise (SME …) borrowing across the European Union. By analyzing a comprehensive dataset of 179,921 SME-bank lending relationships from 2009 to …. Our empirical analysis documents that banks' technological innovations have a more substantial impact on SMEs' long …
Persistent link: https://www.econbiz.de/10015071855
-sized enterprises (SMEs) in Asia. Owing to their significance to national economies, it is important to find ways to provide SMEs with … stable finance. One efficient way to promote SME financing is through credit guarantee schemes, where the government … guarantees a portion (ratio) of a loan provided by a bank to an SME. This research provides a theoretical model and an empirical …
Persistent link: https://www.econbiz.de/10011522082
Almost all formal small and medium enterprises (SMEs) in Jamaica have access to checking or saving accounts, but the … financial sector is scarcely used to finance their investments. The lack of funding for the SME sector, or its high cost, has a …
Persistent link: https://www.econbiz.de/10012564646
Microcredit and small and medium enterprise (SME) finance are often pitched as alternative strategies to create … integrate evidence from three surveys in Bangladesh to show that, compared to microcredit customers, typical SME employees in … less poor. SME jobs also require long work weeks, clashing with family responsibilities. The evidence from Bangladesh …
Persistent link: https://www.econbiz.de/10013067009
SME finance is the funding of small and medium-sized enterprises, and represents a major function of the general … strengthening SME financing in India important to reduce debt gap, what are the Alternate lending platforms for fixing India …'s financial inclusion problem, becoming enablers for SME funding and the various challenges faced, alternate lending platforms to …
Persistent link: https://www.econbiz.de/10012843135
This paper takes stock of the empirical evidence on the financing challenges faced by small and medium enterprises, especially in developing countries. The paper first discusses the institutional constraints that impede access to finance, including the lack of reliable credit information, lack...
Persistent link: https://www.econbiz.de/10012943536
This paper uses cross-country firm-level surveys to gauge access to financial services and the importance of financing constraints for African enterprises. The paper compares access to finance in Africa and other developing regions of the world, within Africa across countries, and across...
Persistent link: https://www.econbiz.de/10012972791
After the inception of the euro, the real economy in most member countries remained dependent on credit by domestic banks, which increasingly funded themselves through cross-border interbank funding. We find that this pattern of 'double-decker' banking integration exposed domestic banks to sharp...
Persistent link: https://www.econbiz.de/10012656056