Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/54510 
Year of Publication: 
2010
Citation: 
[Journal:] Investigaciones Europeas de Dirección y Economía de la Empresa (IEDEE) [ISSN:] 1135-2523 [Volume:] 16 [Issue:] 2 [Publisher:] Elsevier [Place:] Amsterdam [Year:] 2010 [Pages:] 63-82
Publisher: 
Elsevier, Amsterdam
Abstract: 
The main objective of this paper is to determine if it is possible to find within the credit market any restrictions, for instance to credit concessions and its commercial conditions to more little firms or to those that do not have a strong relationship whit their usual banks, and, if the credit rationing is properly perceived by firms. The quantitative research was based on information obtained from questionnaires sent to 816 companies and from the accounting information that by law must be at the disposal of the public scrutiny. The conjoint analysis allowed us to determine the type of existing credit rationing within the credit market, as well as factors influencing and determining. Finally, we conclude with a set of recommendations for the different enterprises, the financial entities as well as public institutions for the amelioration of the efficiency of the banking credit market and the reduction of negative consequences of the credit rationing.
Subjects: 
credit rationing
banking relationship
financing SMEs
credit market
lending relationships
JEL: 
G21
G14
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by-nc-nd Logo
Document Type: 
Article

Files in This Item:
File
Size
260.19 kB





Items in EconStor are protected by copyright, with all rights reserved, unless otherwise indicated.