Business, Management and Accounting
4 years ago

Small businesses in EU struggle to access bank loans, hindering growth.

SSRN Electronic Journal
Perceived Credit Constraints in the European Union
Erik Canton, Isabel Grilo, Josefa Monteagudo, Peter van der Zwan

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Small and medium-sized businesses in the European Union often struggle to get bank loans. A study looked at data from 2005 and 2006 to see why. They found that the youngest and smallest businesses have the hardest time getting loans. Countries with a lot of foreign-owned banks tend to have better loan accessibility for businesses. Also, countries with concentrated banking sectors have more positive perceptions about loan accessibility.