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Regionalökonomie und Finanzierung kleiner und mittelständischer Unternehmen: Ansätze zur Erklärung eines Ost-West-Gefälles


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  • Neuberger, Doris


Für den wirtschaftlichen Aufholprozeß der neuen Bundesländer nach der Vereinigung Deutschlands spielt die Finanzierung kleiner und mittelständischer Unternehmen (KMU) eine Schlüsselrolle. Die deutschen Banken sehen sich oft dem Vorwurf ausgesetzt, bei der Kreditvergabe an diese Unternehmen zu restriktiv zu sein. Um zu überprüfen, inwieweit ihre Kreditentscheidungen durch regionalspezifische Kreditrisiken bedingt sind, muß auf regionalökonomische Theorien zurückgegriffen werden. Der vorliegende Beitrag liefert einen Überblick über die regionalökononomischen Ansätze zur Erklärung von Geburts-, Wachstums- und Sterberaten von KMU, um die Ergebnisse für die Erklärung räumlich unterschiedlicher Fi-nanzierungsbedingungen am Beispiel eines Ost-West-Gefälles in Deutschland nutzbar zu ma-chen. -- The financing of small and medium-sized enterprises (SMEs) plays a key role for the catching-up process of the East German economy after German reunification. German banks are often claimed to be too restrictive in their lending practices towards these firms. To examine how their lending decisions depend on regional credit risks, we have to resort to theories of regional economics. The present paper reviews the regional economic approaches which aim to explain birth, growth and death rates of SMEs, to use the results for the explanation of regional differences in financing conditions, illustrated by an East-West gap in Germany.

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Paper provided by University of Rostock, Institute of Economics in its series Thuenen-Series of Applied Economic Theory with number 24.

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Date of creation: 1999
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Handle: RePEc:zbw:roswps:24

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  1. Steven J. Davis & John Haltiwanger & Scott Schuh, 1993. "Small Business and Job Creation: Dissecting the Myth and Reassessing theFacts," NBER Working Papers 4492, National Bureau of Economic Research, Inc.
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