Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types

Using data for 91 large banks from 45 countries, this paper finds that foreign, domestic private, and government-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 lendin...

Full description

Bibliographic Details
Main Authors:	Beck, Thorsten, Demirguc-Kunt, Asli, Peria, Maria Soledad Martinez
Format:	Journal Article
Language:	EN
Published:	2012
Subjects:	Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Firm Performance: Size, Diversification, and Scope L250 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160
Online Access:	http://hdl.handle.net/10986/5354

id	okr-10986-5354
recordtype	oai_dc
spelling	okr-10986-53542021-04-23T14:02:22Z Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types Beck, Thorsten Demirguc-Kunt, Asli Peria, Maria Soledad Martinez Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Firm Performance: Size, Diversification, and Scope L250 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160 Using data for 91 large banks from 45 countries, this paper finds that foreign, domestic private, and government-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 SME financing need not be based only on "relationship lending". Consistent with these results, we find few significant differences in the extent, type, and pricing of SME loans across bank types. Instead, we find significant differences across developed and developing countries, driven by differences in the institutional and legal environment. 2012-03-30T07:32:26Z 2012-03-30T07:32:26Z 2011 Journal Article Journal of Financial Services Research 09208550 http://hdl.handle.net/10986/5354 EN http://creativecommons.org/licenses/by-nc-nd/3.0/igo World Bank Journal Article
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	EN
topic	Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Firm Performance: Size, Diversification, and Scope L250 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160
spellingShingle	Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Firm Performance: Size, Diversification, and Scope L250 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160 Beck, Thorsten Demirguc-Kunt, Asli Peria, Maria Soledad Martinez Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types
relation	http://creativecommons.org/licenses/by-nc-nd/3.0/igo
description	Using data for 91 large banks from 45 countries, this paper finds that foreign, domestic private, and government-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 SME financing need not be based only on "relationship lending". Consistent with these results, we find few significant differences in the extent, type, and pricing of SME loans across bank types. Instead, we find significant differences across developed and developing countries, driven by differences in the institutional and legal environment.
format	Journal Article
author	Beck, Thorsten Demirguc-Kunt, Asli Peria, Maria Soledad Martinez
author_facet	Beck, Thorsten Demirguc-Kunt, Asli Peria, Maria Soledad Martinez
author_sort	Beck, Thorsten
title	Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types
title_short	Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types
title_full	Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types
title_fullStr	Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types
title_full_unstemmed	Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types
title_sort	bank financing for smes: evidence across countries and bank ownership types
publishDate	2012
url	http://hdl.handle.net/10986/5354
_version_	1764394743386603520

Bank Financing for SMEs: Evidence across Countries and Bank Ownership Types

Similar Items