medium-sized enterprises (SMEs) in the People's Republic of China (PRC) and five Southeast Asian economies (Indonesia …, Malaysia, the Philippines, Thailand, and Viet Nam). Analysis of microdata from enterprise surveys highlights key aspects of SME …, when it comes to external finance, SMEs typically use informal non-bank credit sources more than banks. Third, there is a …

save relatively more in stocks and bonds, and less in bank deposits. We propose that a higher income share of top earners … therefore channels funds to large firms, but tightens financing conditions for small, bank-dependent firms. In turn, small firms … to large firms. Very small firms and those in bank-dependent industries are most affected. Experiments in a quantitative …

This study sheds light on small and medium-sized enterprise (SME) financing and its performance in Thailand. It … elaborates on the key sources of finance existing for Thai manufacturing SMEs and their importance for SME performance as … enhancing SME access to external finance. Our results confirm that retained earnings are crucial to increase SME technical …

We investigate how communication within banks affects small-business lending. Using travel time between a bank … evaluate the impact of within bank communication costs on small-business loans. We find that reducing headquarters …

relationship. This study also provides intuitions for bank policymakers to design policies to retain SME customers and attract new … relationships with SMEs. Originality/value The study attempts to provide evidence on the SME-Bank relationship focusing on the … classify SMEs' decision factors for bank selection. A survey questionnaire was distributed to 200 SMEs, randomly selected from …

in France whose rates are set by the government. Using administrative credit-registry and regulatory bank data, we find …

Bank loans are the main sources of financing the Small and Medium-Sized Enterprises (SME) sector of the Thai economy …. This sector contributes to about 37% GDP and employs about 80% of the labor force. Recent data indicate a decline in bank … lending; this necessitates the efficient use of available funds and strategies to diversify SME financing. Using data from …

the euro area. Using firm‐level survey data on SME financing conditions, we show that an increase in securitization … issuance reduces the probability of SMEs facing credit constraints and decreases the costs of bank financing for nonconstrained …

This paper examines how Basel III capital reforms affected bank lending in Ger- many. We focus on the increase of …-based capital regulation significantly affected low capitalized banks. The impact depends on a bank's credit risk model, i ….e. whether a bank applies the standardized approach (SA) or an internal ratings-based approach (IRBA) to determine risk weights …