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Imprese innovative ed accesso al credito. Un’indagine empirica

Listed author(s):
  • 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

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Article provided by FrancoAngeli Editore in its journal ARGOMENTI.

Volume (Year): 2012/36 (2012)
Issue (Month): 36 ()
Pages: 5-27

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Handle: RePEc:fan:argarg:v:html10.3280/arg2012-036001
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