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Per un accesso sostenibile delle Pmi al credito (A sustainable access to credit for SMEs)

Giuseppe Marotta ()

Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) from Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi"

Abstract: A widespread consensus for an easier access to bank credit for SMEs to quicken the recovery could lead to overlook risks, for banks as well as for economies, of financing projects that do not fit the structural adjustments in the world economy caused by the international crisis. Sustainable lending policies for both firms and banks require an investment in a more comprehensive soft information. Only firms can produce credible business plans; the assessment by banks’ experts in industrial organization as well as finance should integrate the regulatory quantitative risk measurement models. Policy makers’ initiatives to further credit access for SMEs, including central banks’ non conventional measures, should be evaluated within this framework.

Keywords: growth; debt; financial crisis; macroprudential supervision; banking (search for similar items in EconPapers)
JEL-codes: E58 G01 G21 G28 G32 (search for similar items in EconPapers)
New Economics Papers: this item is included in nep-ban and nep-mac
Date: 2013-05
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Working Paper: Per un accesso sostenibile delle Pmi al credito (A sustainable access to credit for SMEs) (2013) Downloads
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Persistent link: http://EconPapers.repec.org/RePEc:mod:wcefin:1305

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