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The Access Of Small And Medium Size Enterprises To Banking Financing And Current Challanges: The Case Of Eu Countries

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Author Info

  • Roman Angela

    (‘Alexandru Ioan Cuza‘ University of Iasi Romania)

  • Rusu Valentina Diana

    (‘Alexandru Ioan Cuza‘ University of Iasi Romania)

Abstract

Bank loans are a vital resource for SMEs financing because of the reducedpossibilities of these firms to find alternative sources of financing. In the context of the currentcrisis, the access to loans for SMEs has deteriorated significantly due to lower availability of bankloans, that can hamper the exit from the crisis of these firms and the relaunch of the nationaleconomies. Moreover, the adoption of the new banking regulations by Basel III Accord raisesconcerns about their possible negative impact on bank financing of SMEs. In this context, our paperaims to highlight a few features of bank financing of SMEs in EU member states and to bring intoquestion the impact of new banking regulations on loans flow to SMEs.

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Bibliographic Info

Article provided by Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia in its journal Annales Universitatis Apulensis Series Oeconomica.

Volume (Year): 2 (2012)
Issue (Month): 14 ()
Pages: 21

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Handle: RePEc:alu:journl:v:2:y:2012:i:14:p:21

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Related research

Keywords: Small and medium sized enterprises; EU; access to finance; bank loans; Basel III;

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References

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  1. Beck, T.H.L. & Demirgüc-Kunt, A. & Laeven, L. & Maksimovic, V., 2006. "The determinants of financing obstacles," Open Access publications from Tilburg University urn:nbn:nl:ui:12-4295079, Tilburg University.
  2. Edward Altman & Gabriele Sabato, 2005. "Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs," Journal of Financial Services Research, Springer, vol. 28(1), pages 15-42, October.
  3. Beck, T.H.L. & Demirgüc-Kunt, A. & Martinez Peria, M., 2011. "Banking financing for SME's: Evidence across countries and bank ownership types," Open Access publications from Tilburg University urn:nbn:nl:ui:12-4082185, Tilburg University.
  4. Ardic, Oya Pinar & Mylenko, Nataliya & Saltane, Valentina, 2011. "Small and medium enterprises : a cross-country analysis with a new data set," Policy Research Working Paper Series 5538, The World Bank.
  5. Augusto de la Torre & María Soledad Martínez Pería & Sergio L. Schmukler, 2009. "Drivers and Obstacles to Banking SMEs: The Role of Competition and the Institutional Framework," CESifo Working Paper Series 2651, CESifo Group Munich.
  6. Steve Mercieca & Klaus Schaeck & Simon Wolfe, 2009. "Bank Market Structure, Competition, and SME Financing Relationships in European Regions," Journal of Financial Services Research, Springer, vol. 36(2), pages 137-155, December.
  7. Angela ROMAN, 2012. "Sources of financing european smes and new supporting EU policies: evidence from the new EU member states," Anale. Seria Stiinte Economice. Timisoara, Faculty of Economics, Tibiscus University in Timisoara, vol. 0, pages 245-252, May.
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