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Imprese innovative ed accesso al credito. Un’indagine empirica


  • Andrea Bellucci
  • Ilario Favaretto
  • Germana Giombini


Questo lavoro mira ad analizzare l’accesso al credito delle imprese innovative testando l’impatto della natura innovativa delle imprese: (a) sul costo del credito bancario; (b) sulla probabilità di restrizione del credito. L’analisi empirica utilizza le informazioni ottenute dall’unificazione di due database distinti e di diversa derivazione. Il primo database contiene informazioni di natura finanziaria su oltre 15.000 linee di credito concesse da un’istituzione bancaria ad imprese di diversa tipologia dimensionale e giuridica operanti in 23 settori industriali. Il secondo database identifica le imprese che svolgono attività innovativa. Le stime econometriche mostrano che le imprese innovative hanno una minor probabilità di restrizione del credito rispetto a quelle tradizionali. L’innovazione si potrebbe dunque configurare una via per il superamento del credit crunch. Classificazione

Suggested Citation

  • Andrea Bellucci & Ilario Favaretto & Germana Giombini, 2012. "Imprese innovative ed accesso al credito. Un’indagine empirica," ARGOMENTI, FrancoAngeli Editore, vol. 2012(36), pages 5-27.
  • Handle: RePEc:fan:argarg:v:html10.3280/arg2012-036001

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    Cited by:

    1. Giorgio Calcagnini & Germana Giombini & Elisa Lenti, 2012. "Gender differences in bank loan access," Working Papers 1212, University of Urbino Carlo Bo, Department of Economics, Society & Politics - Scientific Committee - L. Stefanini & G. Travaglini, revised 2012.

    More about this item


    Imprese innovative; tasso d’interesse; accesso al credito; relazione di clientela.;

    JEL classification:

    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • D40 - Microeconomics - - Market Structure, Pricing, and Design - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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