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                                                                        Economic and Financial Reports Volume 01/2003

                                                                        • Publication information

                                                                          01 Jul 2003

                                                                        • Related tags

                                                                          • Economics

                                                                        Part of the series :

                                                                        • Thematic studies
                                                                        • Thematic studies
                                                                        PDF (EN)

                                                                        Description

                                                                        Bank survey evidence on "bank lending to SMEs in the European Union"

                                                                        This paper presents and analyses the results of a survey of credit institutions in the European Union carried out by the European Investment Bank in the summer of 2003. The main objective of the bank survey was to arrive at a better understanding of recent trends in the credit market for small and medium-sized Enterprises (SMEs) and of prospects for SME bank lending in the future. In particular, we collected information about the volume, performance and conditions of bank lending to firms in different size classes. The EIB survey on bank lending is complementary to other surveys such as the European Central Bank’s bank lending survey (ECB 2003a) recently launched for the euro area and banking reviews commissioned by competition authorities (e.g. UK Competition Commission 2002). The distinguishing feature of our survey is that it entirely focuses on bank lending to enterprises, distinguishes between small firms and medium-sized firms, covers the whole European Union, takes a medium-term perspective, and emphasizes credit availability rather than credit pricing.

                                                                        Publications

                                                                        • Economic and Financial Reports Volume 01/1999
                                                                        • Economic and Financial Reports Volume 02/1999
                                                                        • Economic and Financial Reports Volume 01/2000
                                                                        • Economic and Financial Reports Volume 02/2000
                                                                        • Economic and Financial Reports Volume 01/2001
                                                                        • Economic and Financial Reports Volume 02/2001
                                                                        • Economic and Financial Reports Volume 03/2001
                                                                        • Economic and Financial Reports Volume 01/2002
                                                                        • Economic and Financial Reports Volume 02/2002

                                                                        All publications in this series

                                                                        • How bad is the Ukraine war for the European recovery?
                                                                        • Recharging the batteries
                                                                        • Unlocking digital connectivity in Africa
                                                                        • A partnership with Africa
                                                                        • Artificial intelligence, blockchain and the future of Europe
                                                                        • Artificial intelligence, blockchain and the future of Europe - Executive Summary
                                                                        • Rural connectivity toolkit
                                                                        • The digitalisation of small and medium-sized enterprises in Italy: Models for financing digital projects - Summary Report
                                                                        • The rise of Africa’s digital economy
                                                                        • Accelerating the 5G transition in Europe - Executive summary
                                                                        • Accelerating the 5G transition in Europe
                                                                        • The EIB COVID-19 Economic Vulnerability Index - An analysis of countries outside the European Union
                                                                        • From starting to scaling
                                                                        • Three foundations: A competitive, sustainable, inclusive Europe
                                                                        • Feeding future generations: How finance can boost innovation in agri-food
                                                                        • Feeding future generations: How finance can boost innovation in agri-food - Executive summary
                                                                        • Smart Cities, Smart Investment in Central, Eastern and South-Eastern Europe
                                                                        • Investing in Europe’s future: the role of education and skills
                                                                        • Inequality in Europe
                                                                        • Migration and the EU: Challenges, opportunities, the role of EIB
                                                                        • Restoring EU competitiveness
                                                                        • Unlocking lending in Europe
                                                                        • ECON Note - The impact of the recession in 2008-2009 on EU regional convergence
                                                                        • ECON Note - PPPs and their financing in Europe
                                                                        • ECON Note n°02-2012 - EIB Priorities Studies
                                                                        • ECON Note n°01-2012 - EIB Priorities Studies
                                                                        • Economic and Financial Reports Volume 01/2010
                                                                        • Economic and Financial Reports Volume 05/2010
                                                                        • Economic and Financial Reports Volume 04/2010
                                                                        • Innovation and productivity growth in the EU services sector
                                                                        • Economic and Financial Reports Volume 03/2010
                                                                        • Economic and Financial Reports Volume 02/2010
                                                                        • Economic and Financial Reports Volume 01/2009
                                                                        • Economic and Financial Reports Volume 01/2008
                                                                        • Economic and Financial Reports Volume 03/2007
                                                                        • Economic and Financial Reports Volume 02/2007
                                                                        • Economic and Financial Reports Volume 01/2007
                                                                        • Economic and Financial Reports Volume 03/2006
                                                                        • Economic and Financial Reports Volume 02/2006
                                                                        • Economic and Financial Reports Volume 01/2006
                                                                        • Economic and Financial Reports Volume 03/2005
                                                                        • Economic and Financial Reports Volume 02/2005
                                                                        • Economic and Financial Reports Volume 01/2005
                                                                        • Economic and Financial Reports Volume 02/2004
                                                                        • Economic and Financial Reports Volume 01/2004
                                                                        • Economic and Financial Reports Volume 02/2003
                                                                        • Economic and Financial Reports Volume 02/2002
                                                                        • Economic and Financial Reports Volume 01/2002
                                                                        • Economic and Financial Reports Volume 03/2001
                                                                        • Economic and Financial Reports Volume 02/2001
                                                                        • Economic and Financial Reports Volume 01/2001
                                                                        • Economic and Financial Reports Volume 02/2000
                                                                        • Economic and Financial Reports Volume 01/2000
                                                                        • Economic and Financial Reports Volume 02/1999
                                                                        • Economic and Financial Reports Volume 01/1999

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