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Determinants of Bank Involvement with SMEs

A Survey of Demand-Side and Supply-Side Factors

  • Book
  • © 2016

Overview

Authors:
  1. Victor U. Ekpu

    1. Adam Smith Business School (Econom Div), University of Glasgow Adam Smith Business School (Econom Div), Glasgow, United Kingdom

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Part of the book series: SpringerBriefs in Finance (BRIEFSFINANCE)

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Table of contents (7 chapters)

  1. Front Matter

    Pages i-xii
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  2. Introduction

    1. Front Matter

      Pages 1-1
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    2. Bank Involvement with SMEs: Introduction

      • Victor U. Ekpu
      Pages 3-10

  3. Theoretical Framework

    1. Front Matter

      Pages 11-11
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    2. Theoretical Views on Money Creation and Credit Rationing

      • Victor U. Ekpu
      Pages 13-18

    3. A Simplified Model of Adverse Selection in Loan Markets

      • Victor U. Ekpu
      Pages 19-25

  4. Determinants of Credit Availability to SMEs

    1. Front Matter

      Pages 27-27
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    2. Demand-Side Factors Affecting Bank Lending to SMEs

      • Victor U. Ekpu
      Pages 29-43

    3. Supply-Side Factors Affecting Bank Lending to SMEs

      • Victor U. Ekpu
      Pages 45-72

  5. Determinants of Loan Contract Terms

    1. Front Matter

      Pages 73-73
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    2. Determinants of SME Loan Contracts

      • Victor U. Ekpu
      Pages 75-89

    3. Conclusions and Practical Implications

      • Victor U. Ekpu
      Pages 91-94
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Keywords

About this book

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.

Authors and Affiliations

  • Adam Smith Business School (Econom Div), University of Glasgow Adam Smith Business School (Econom Div), Glasgow, United Kingdom

    Victor U. Ekpu

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