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This article uses European Central Bank (ECB) survey data to assess whether gender matters in the small firms’ financial structure and access to credit. Firms owned or managed by women (female firms) use smaller amounts and less heterogeneous sources of external finance than their male...
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In the wake of the crisis, the capacity of many banks to lend to relatively high-risk sectors such as SMEs and young, innovative firms is seriously impaired by capital constraints and a strong deterioration in the quality of the assets on their balance sheets. Looking forward, it is vital that...
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outcomes suggest that bank consolidation is not necessarily harmful for SME lending; large banks in the EU devote almost 70% of … foresee a reduction in their SME lending; it is likely that the European banking market will be increasingly dominated by … commercial banks, but this change should neither be seen as a blow to SME bank finance; on the contrary, survey results indicate …
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