Basel II and Changing Bank-Firm Relationship: A Survey

Chiara Bentivogli, Emidio Cocozza (), Antonella Foglia () and Simonetta Iannotti ()
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Emidio Cocozza: Banca d’Italia
Antonella Foglia: Banca d’Italia
Simonetta Iannotti: Banca d’Italia

Chapter Chapter 8 in The Economics of Small Businesses, 2011, pp 133-149 from Springer

Abstract: Abstract This chapter analyzes the results of a business survey on the changes in the bank-firm relationship in view of Basel II carried out in 2006. A non-negligible share of firms was aware of the possible effects of the new regulation and some of them were implementing relevant organizational changes. In general firms did not perceive any relevant change in banks’ behavior, but there was some dispersion in the answers on credit availability and conditions. A trend towards reduction in multiple bank relationships emerged, particularly among firms participating in the national survey. The local survey aimed also at evaluating the impact of bank-firm relationship on growth plans of Italian SMEs. Firms located in Emilia-Romagna showed a higher growth propensity. Among the main obstacles to growth, firms emphasize bank financial and consulting support, and managerial and organizational problems.

Keywords: Small Firm; Debt Ratio; Lending Bank; Local Survey; Banking Relationship (search for similar items in EconPapers)
Date: 2011
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Persistent link: https://EconPapers.repec.org/RePEc:spr:conchp:978-3-7908-2623-4_8

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DOI: 10.1007/978-3-7908-2623-4_8

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