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Bankintermediation bei der Kreditvergabe an junge oder kleine Unternehmen

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  • Prantl, Susanne
  • Almus, Matthias
  • Egeln, Jürgen
  • Engel, Dirk

Abstract

Loan financing, especially long term bank loan financing, is important for young or small firms in Germany. A large share of all small business lending in Germany originates in public financing programs and cooperative banks, (non-cooperative) private sector credit banks as well as savings banks mediate in the assignment of loans from these programs. Our empirical analyses of this loan type provide insights into the small business loan assignment behavior of the three different bank groups in general. Using various econometric techniques, observation periods and data sources – including detailed data on 6.880 firms – we find three robust, originate results: Not only recently, but already at the beginning of the 1990s credit banks played no substantial, statistically significant role in small business lending. Cooperative and savings banks have, in contrast, a strong, significant positive influence on young, small firms’ loan access. In addition, the loan assignment behavior of the two latter groups is found to be very similar. This is an important result given the ongoing controversial discussion on reforming the German savings bank sector.

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Bibliographic Info

Paper provided by Free University of Berlin, Humboldt University of Berlin, University of Bonn, University of Mannheim, University of Munich in its series Discussion Paper Series of SFB/TR 15 Governance and the Efficiency of Economic Systems with number 178.

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Date of creation: Aug 2006
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Handle: RePEc:trf:wpaper:178

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Keywords: Kreditvergabeverhalten von Genossenschaftsbanken; Kreditbanken und Sparkassen; Finanzierung junger; kleiner Unternehmen; langfristige Kredite und öffentliche Förderprogramme; Reformierung des deutschen Sparkassensektors;

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Cited by:
  1. Dirk Engel & Torge Middendorf, 2007. "Investment, Internal Funds and Public Banking in Germany," Ruhr Economic Papers 0007, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen.
  2. Lutz Tretin & Dirk Engel & Marina Roitburd & Gregor Werkle, 2007. "Alterung der Gesellschaft: Neue Herausforderungen für die Gründungsförderung in Deutschland? – Ergebnisse einer empirischen Untersuchung bei Wirtschaftskammern und kommunalen Einrichtungen 2005 b," RWI Materialien, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, pages 81, 04.

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