SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different …, organizational structures, and SME financing is not consistent with the conventional view that SME lending is based on “relationship …

differences in the extent, type, and pricing of SME loans across bank types. Instead, we find significant differences across …-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 …

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 … than firm size or bank ownership type in shaping bank financing to SMEs …