lack adequate financing, which hampers their growth. As a consequence, governments have implemented a number of programs to … factors they perceive as drivers and obstacles to financing SMEs. We also study to what degree competition and the … financing, especially long-term lending. -- small and medium enterprises, bank finance, financial constraints, banking market …

"This paper studies the factors banks perceive as drivers and obstacles to financing small and medium enterprises (SMEs … policy action might help reduce the cost of providing financing, especially long-term lending. "--World Bank web site …