Bank Restructuring And The Availability Of Credit To Smes
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Bank Restructuring And The Availability Of Credit To Smes
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Author : Adam Sechooler
language : en
Publisher:
Release Date : 2009
Bank Restructuring And The Availability Of Credit To Smes written by Adam Sechooler and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.
The Restructuring Of Banks And Financial Systems In The Euro Area And The Financing Of Smes
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Author : F. Calciano
language : en
Publisher: Springer
Release Date : 2015-05-26
The Restructuring Of Banks And Financial Systems In The Euro Area And The Financing Of Smes written by F. Calciano and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-05-26 with Business & Economics categories.
The 2007-2009 financial crisis has had a worldwide impact on banks and financial systems. It has also brought about major changes in Europe's financial regulatory framework which could lead to financing problems for SMEs. The book explores the restructuring process of banking and financial systems to its impact on the financing of SMEs.
Determinants Of Bank Involvement With Smes
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Author : Victor U. Ekpu
language : en
Publisher: Springer
Release Date : 2015-12-23
Determinants Of Bank Involvement With Smes written by Victor U. Ekpu and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-12-23 with Business & Economics categories.
This book is a comprehensive, yet concise text that brings together all aspects of SME banking theories and empirical studies in one text. The book contains the latest policy debates on money creation and credit rationing and the relative role of demand-side and supply-side factors affecting SME financing. Readers will understand the borrower-specific, lender-specific and business environment drivers of bank finance for SMEs as well as the determinants of loan contract terms, particularly the risk premium and collateral. Readers will also understand how loan officers acquire proprietary information on SMEs and apply various lending techniques, such as financial statement lending, relationship lending and credit scoring to the loan underwriting process. In addition, the book also features recent trends on the rise of alternative finance intermediaries such as online peer-to-peer lenders and the competitive implications for traditional banks providing loans to SMEs. Findings from this work will thus be of particular interest to commercial bankers, bank-dependent small business borrowers as well as policy makers, and researchers in central banks, development banks, development agencies and international financial institutions.
Tackling Small And Medium Enterprise Problem Loans In Europe
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Author : Mr.Wolfgang Bergthaler
language : en
Publisher: International Monetary Fund
Release Date : 2015-03-30
Tackling Small And Medium Enterprise Problem Loans In Europe written by Mr.Wolfgang Bergthaler and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-03-30 with Business & Economics categories.
The global financial crisis has left a large private sector debt overhang and high levels of non- performing loans (NPLs) in several European countries. Small and medium-size enterprises (SMEs) represent a significant and weak segment of the nonfinancial corporate sector. SMEs face a number of legal, financial, and regulatory challenges to restructuring that differ from those of larger corporates, such as a rigid and costly insolvency regime, a higher fixed cost to loan restructuring, and the lack of alternative sources of financing. Given SMEs’ large presence and close links to the banking system, addressing the SME loan problem in Europe will be critical for strengthening bank and corporate balance sheets and supporting a more robust and sustained recovery.
The Impact Of Banking Restructuring Proposals On Small Businesses Access To Credit
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Author : United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization
language : en
Publisher:
Release Date : 1991
The Impact Of Banking Restructuring Proposals On Small Businesses Access To Credit written by United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991 with Business & Economics categories.
Access To Bank Credit And Sme Financing
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Author : Stefania Rossi
language : en
Publisher: Springer
Release Date : 2016-12-02
Access To Bank Credit And Sme Financing written by Stefania Rossi and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-12-02 with Business & Economics categories.
This book explores how the global financial and European sovereign debt crises have forced small-and-medium-sized businesses (SMEs) to reassess and adapt their funding strategies. At the heart of the matter is the worsening access to bank credit for such enterprises. Through this discussion we learn how crucial an understanding of SME-financing is to policy makers, in light of the fact that SMEs dominate the business landscape in Europe and are the main drivers of employment, growth and innovation in the European economy. Contributing chapters present expert analysis and investigate many topics including the problems faced by SMEs in accessing bank credit and the cost of funding and its determinants. Particular attention is also given to how credit-constrained enterprises may reformulate their funding strategies by employing alternative, non-bank, financial resources, and how regulators could support SMEs in broadening and improving their funding opportunities.
Financial Markets Sme Financing And Emerging Economies
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Author : Giusy Chesini
language : en
Publisher: Springer
Release Date : 2017-10-11
Financial Markets Sme Financing And Emerging Economies written by Giusy Chesini and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-11 with Business & Economics categories.
This book investigates small and medium sized enterprises (SMEs) access to credit, the earning quality, and the cost of debt in the European Union. It also examines two important risk measures in financial markets: the volatility index (VIX) and Credit Default Swaps (CDS). Finally, it deep dives inside one of the most important emerging markets, China, to assess monetary policy and the relationship between financial institutions and real estate firms. This work will appeal to both academics and practitioners in the areas of SME financing, financial markets and emerging economies.
Credit Guarantee Institutions And Sme Finance
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Author : Paola Leone
language : en
Publisher: Springer
Release Date : 2012-01-17
Credit Guarantee Institutions And Sme Finance written by Paola Leone and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-01-17 with Business & Economics categories.
This book analyses and confronts the functioning of guarantee systems for SMEs in countries where these schemes had an important development. The book also highlights how the current financial crisis is modifying the guarantees schemes, through policy maker interventions.
What Role Can Financial Policies Play In Revitalizing Smes In Japan
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Author : Mr.Waikei W. Lam
language : en
Publisher: International Monetary Fund
Release Date : 2012-12-11
What Role Can Financial Policies Play In Revitalizing Smes In Japan written by Mr.Waikei W. Lam and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-11 with Business & Economics categories.
The paper discusses the role the financial sector can play in supporting growth in Japan. While overall credit conditions have been accommodative, credit growth has remained weak, especially for small and medium-sized enterprises (SMEs). Firm-level SME data and sectoral corporate balance sheets show that many SMEs have faced structural challenges of high leverage and low profitability. Moreover, the global financial crisis has weakened the financial position across SMEs, particularly for those with low credit worthiness. These challenges are closely related to low availability of riskcapital and the pervasiveness of credit support measures. This paper argues that to encourage the supply of risk-based capital, costly government support measures should be phased out and SME restructuring be accelerated. Efforts are also needed to deepen capital markets to enhance risk capital availability and address regulatory barriers to starting businesses. In that regard, addressing SMEweaknesses would improve private investment, enhance firm productivity, and lift growth.
The New Basel Capital Accord And Sme Financing
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Author : Rym Ayadi
language : en
Publisher: Centre for European Policy Studies
Release Date : 2005
The New Basel Capital Accord And Sme Financing written by Rym Ayadi and has been published by Centre for European Policy Studies this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Bank capital categories.
The First Basel Capital Accord, implemented in 1988, was aimed at ensuring the soundness and stability of the international banking system. The new accord, Basel II, which is planned for implementation in December 2006, is intended to strengthen the framework for dealing with credit risk. This book provides an informative analysis of what Basel II means for the small and medium-sized enterprize (SME) sector in Europe and its impact on its credit financing conditions. It also presents a detailed analysis of how banks formulate an internal rating system and illustrates how this system works in practice. Finally, it concludes with the key measures that should be taken by banks, SMEs, and public policymakers to improve financing in the new rating culture.