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Determinants of Bank Involvement with SMEs

A Survey of Demand-Side and Supply-Side Factors

  • Victor U. Ekpu

Part of the SpringerBriefs in Finance book series (BRIEFSFINANCE)

Table of contents

  1. Front Matter
    Pages i-xii
  2. Introduction

    1. Front Matter
      Pages 1-1
    2. Victor U. Ekpu
      Pages 3-10
  3. Theoretical Framework

    1. Front Matter
      Pages 11-11
  4. Determinants of Credit Availability to SMEs

    1. Front Matter
      Pages 27-27
  5. Determinants of Loan Contract Terms

    1. Front Matter
      Pages 73-73
    2. Victor U. Ekpu
      Pages 75-89
    3. Victor U. Ekpu
      Pages 91-94

About this book

Introduction

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.

Keywords

Banking SME Bank Lending Bank Credit Relationship Lending Contract Terms Entrepreneurship

Authors and affiliations

  • Victor U. Ekpu
    • 1
  1. 1.Adam Smith Business School (Econom Div)University of Glasgow Adam Smith Business School (Econom Div)GlasgowUnited Kingdom

Bibliographic information

  • DOI https://doi.org/10.1007/978-3-319-25837-9
  • Copyright Information The Author(s) 2016
  • Publisher Name Springer, Cham
  • eBook Packages Economics and Finance
  • Print ISBN 978-3-319-25836-2
  • Online ISBN 978-3-319-25837-9
  • Series Print ISSN 2193-1720
  • Series Online ISSN 2193-1739
  • Buy this book on publisher's site