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Lending to Small and Medium-Sized Firms: Is There an East-West Gap in Germany?

  • Erik Lehmann
  • Doris Neuberger


  • Solvig R”thke

The financing of small and medium-sized firms is important for the catching-up of the East German to the West German economy since reunification. We explore whether it is restricted by unfavorable bank loan terms, using bank-survey data on lending decisions to small and medium- sized firms. A comparison of the terms of lending between the former East German and West German states yields a lending gap given by higher loan prices and collateral requirements in East Germany. This gap can be explained by differences in credit risks and lending strategies of banks.

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Article provided by Springer in its journal Small Business Economics.

Volume (Year): 23 (2004)
Issue (Month): 1 (08)
Pages: 23-39

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Handle: RePEc:kap:sbusec:v:23:y:2004:i:1:p:23-39
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