Relationships and availability of credit to new small firms | Zendy

Enrico Colombatto | Zendy; Arie Melnik | Zendy; Chiara Monticone | Zendy

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Relationships and availability of credit to new small firms

Author(s) -

Enrico Colombatto,

Arie Melnik,

Chiara Monticone

Publication year - 2012

Publication title -

journal of industrial and business economics

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 0.543

H-Index - 11

eISSN - 1972-4977

pISSN - 0391-2078

DOI - 10.3280/poli2012-001001

Subject(s) - collateral , loan , business , sample (material) , bank credit , credit risk , financial system , finance , chemistry , chromatography

The paper analyzes the bank loans secured by recently incorporated small-sized firms based on a sample of Italian companies founded between 1992 and 2004. The study shows that the amount of the loan issued is influenced primarily by the size of the firm and the ability to provide collateral, that the influence of the perceived risk is weak, and that the length of the relationship has a non-linear impact on the size of the bank loan granted.

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