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SMEs Financing: the Extent of Need and the Responses of Different Credit Structures

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  • Daniel BĂDULESCU

    (University of Oradea)

Abstract

Small and medium enterprises (SMEs) have a key role in developing national economies, but are often limited by lack of development support in financing business for reasons of information asymmetry, high risks, lack of collateral, unfavorable regulatory environment. The statistics show managers given constant importance of SMEs financing opportunities, bank credit pre-eminence over other forms of financing, the lack of viable alternatives for start-up and innovative companies, etc. Market concentration, alternative between transactional or relational lending, various types of banks; state owned, private owned, foreign, large or small, are analyzed to identify the availability for SME financing. Finally, it is recognized the importance of a diversified banking markets both in terms of supply, lending technologies, but also as bank institutions itself.

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Bibliographic Info

Article provided by Asociatia Generala a Economistilor din Romania - AGER in its journal Theoretical and Applied Economics.

Volume (Year): 7(548) (2010)
Issue (Month): 7(548) (July)
Pages: 25-36

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Handle: RePEc:agr:journl:v:7(548):y:2010:i:7(548):p:25-36

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Related research

Keywords: SME; financing; transactions lending; relationship lending; banks.;

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Cited by:
  1. Giorgos Argitis & Stella Michopoulou, 2013. "Studies in Financial Systems No 4 Financialization and the Greek Financial System," FESSUD studies, Financialisation, Economy, Society & Sustainable Development (FESSUD) Project fstudy04, Financialisation, Economy, Society & Sustainable Development (FESSUD) Project.
  2. Badulescu Daniel & Petria Nicolae, 2012. "Are Smes More Confortable With Small Domestic Lenders? (I -The Literature)," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(1), pages 493-499, July.

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