What determines the access to credit by SMEs in Argentina?
- Autores
- Bebczuk, Ricardo Néstor
- Año de publicación
- 2004
- Idioma
- inglés
- Tipo de recurso
- documento de trabajo
- Estado
- versión enviada
- Descripción
- This work discusses the determinants of the access to credit for a sample of about 140 Argentine small and medium firms, based on a unique database gathered by the Union Industrial Argentina in 1999. Among other findings, the evidence shows that the acceptance of overdraft lines at high interest rates and very short maturity is an important factor regarding the probability of getting a bank loan, while the availability of collateral does not seem to affect such probability. All in all, the results appear to be consistent with a risk taking behavior by banks in their loan policy toward this set of firms, an observation seemingly at odds with the conservative strategy that presumably banks follow.
Departamento de Economía - Materia
-
Ciencias Económicas
Argentina
Crédito bancario
Bancos
Empresas
Economía - Nivel de accesibilidad
- acceso abierto
- Condiciones de uso
- http://creativecommons.org/licenses/by/3.0/
- Repositorio
.jpg)
- Institución
- Universidad Nacional de La Plata
- OAI Identificador
- oai:sedici.unlp.edu.ar:10915/3532
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What determines the access to credit by SMEs in Argentina?Bebczuk, Ricardo NéstorCiencias EconómicasArgentinaCrédito bancarioBancosEmpresasEconomíaThis work discusses the determinants of the access to credit for a sample of about 140 Argentine small and medium firms, based on a unique database gathered by the Union Industrial Argentina in 1999. Among other findings, the evidence shows that the acceptance of overdraft lines at high interest rates and very short maturity is an important factor regarding the probability of getting a bank loan, while the availability of collateral does not seem to affect such probability. All in all, the results appear to be consistent with a risk taking behavior by banks in their loan policy toward this set of firms, an observation seemingly at odds with the conservative strategy that presumably banks follow.Departamento de Economía2004-02info:eu-repo/semantics/workingPaperinfo:eu-repo/semantics/submittedVersionDocumento de trabajohttp://purl.org/coar/resource_type/c_8042info:ar-repo/semantics/documentoDeTrabajoapplication/pdfhttp://sedici.unlp.edu.ar/handle/10915/3532enginfo:eu-repo/semantics/altIdentifier/url/http://www.depeco.econo.unlp.edu.ar/doctrab/doc48.pdfinfo:eu-repo/semantics/openAccesshttp://creativecommons.org/licenses/by/3.0/Creative Commons Attribution 3.0 Unported (CC BY 3.0)reponame:SEDICI (UNLP)instname:Universidad Nacional de La Platainstacron:UNLP2025-09-03T10:22:06Zoai:sedici.unlp.edu.ar:10915/3532Institucionalhttp://sedici.unlp.edu.ar/Universidad públicaNo correspondehttp://sedici.unlp.edu.ar/oai/snrdalira@sedici.unlp.edu.arArgentinaNo correspondeNo correspondeNo correspondeopendoar:13292025-09-03 10:22:06.404SEDICI (UNLP) - Universidad Nacional de La Platafalse |
| dc.title.none.fl_str_mv |
What determines the access to credit by SMEs in Argentina? |
| title |
What determines the access to credit by SMEs in Argentina? |
| spellingShingle |
What determines the access to credit by SMEs in Argentina? Bebczuk, Ricardo Néstor Ciencias Económicas Argentina Crédito bancario Bancos Empresas Economía |
| title_short |
What determines the access to credit by SMEs in Argentina? |
| title_full |
What determines the access to credit by SMEs in Argentina? |
| title_fullStr |
What determines the access to credit by SMEs in Argentina? |
| title_full_unstemmed |
What determines the access to credit by SMEs in Argentina? |
| title_sort |
What determines the access to credit by SMEs in Argentina? |
| dc.creator.none.fl_str_mv |
Bebczuk, Ricardo Néstor |
| author |
Bebczuk, Ricardo Néstor |
| author_facet |
Bebczuk, Ricardo Néstor |
| author_role |
author |
| dc.subject.none.fl_str_mv |
Ciencias Económicas Argentina Crédito bancario Bancos Empresas Economía |
| topic |
Ciencias Económicas Argentina Crédito bancario Bancos Empresas Economía |
| dc.description.none.fl_txt_mv |
This work discusses the determinants of the access to credit for a sample of about 140 Argentine small and medium firms, based on a unique database gathered by the Union Industrial Argentina in 1999. Among other findings, the evidence shows that the acceptance of overdraft lines at high interest rates and very short maturity is an important factor regarding the probability of getting a bank loan, while the availability of collateral does not seem to affect such probability. All in all, the results appear to be consistent with a risk taking behavior by banks in their loan policy toward this set of firms, an observation seemingly at odds with the conservative strategy that presumably banks follow. Departamento de Economía |
| description |
This work discusses the determinants of the access to credit for a sample of about 140 Argentine small and medium firms, based on a unique database gathered by the Union Industrial Argentina in 1999. Among other findings, the evidence shows that the acceptance of overdraft lines at high interest rates and very short maturity is an important factor regarding the probability of getting a bank loan, while the availability of collateral does not seem to affect such probability. All in all, the results appear to be consistent with a risk taking behavior by banks in their loan policy toward this set of firms, an observation seemingly at odds with the conservative strategy that presumably banks follow. |
| publishDate |
2004 |
| dc.date.none.fl_str_mv |
2004-02 |
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info:eu-repo/semantics/workingPaper info:eu-repo/semantics/submittedVersion Documento de trabajo http://purl.org/coar/resource_type/c_8042 info:ar-repo/semantics/documentoDeTrabajo |
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eng |
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eng |
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info:eu-repo/semantics/openAccess http://creativecommons.org/licenses/by/3.0/ Creative Commons Attribution 3.0 Unported (CC BY 3.0) |
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