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Bank Financing for SMEs: Evidence Across Countries and Bank-Ownership Types

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Author Info

  • Beck, T.H.L.
  • Demirgüc-Kunt, A.
  • Martinez Peria, M.

    (Tilburg University, Center for Economic Research)

Abstract

Using data for 91 large banks from 45 countries, this paper finds few differences in the extent, type, and pricing of SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different lending technologies and have different organizational structures. Instead, we find significant differences across banks in developed and developing countries, driven by differences in the economic, institutional, and legal environment, as opposed to by differences in lending technologies and organizational structures. Finally, the link between lending technologies, organizational structures, and SME financing is not consistent with the conventional view that SME lending is based on “relationship lending”.

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Bibliographic Info

Paper provided by Tilburg University, Center for Economic Research in its series Discussion Paper with number 2009-71.

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Date of creation: 2009
Date of revision:
Handle: RePEc:dgr:kubcen:200971

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Web page: http://center.uvt.nl

Related research

Keywords: Small and Medium Enterprises; Bank Ownership; Lending Technology; Access to Finance;

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Cited by:
  1. World Bank, 2011. "Turkey - Improving Conditions for SME Growth Finance and Innovation," World Bank Other Operational Studies 12211, The World Bank.

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