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  • HTW Berlin  (6)
  • SeeCampus-Bibliothek
  • Topographie des Terrors und DZ
  • 2005-2009  (6)
  • Martínez Pería, María Soledad  (6)
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  • 1
    UID:
    b3kat_BV040619253
    Umfang: 1 Online-Ressource (1 online resource (75 p.))
    Ausgabe: Online-Ausgabe World Bank E-Library Archive Sonstige Standardnummer des Gesamttitels: 041181-4
    Inhalt: The "conventional wisdom" in academic and policy circles argues that, while large and foreign banks are generally not interested in serving SMEs, small and niche banks have an advantage in doing so because they can overcome SME opaqueness through relationship lending. This paper shows that there is a gap between this view and what banks actually do. Banks perceive SMEs as a core and strategic business and seem well positioned to expand their links with SMEs. The recent intensification of bank involvement with SMEs in various emerging markets documented in this paper is neither led by small or niche banks nor highly dependent on relationship lending. Rather, all types of banks are catering to SMEs and larger, multiple-service banks have in fact a comparative advantage in offering a wide range of products and services on a large scale, through the use of new technologies, business models, and risk management systems
    Anmerkung: Weitere Ausgabe: de la Torre, Augusto: Bank Involvement With SMES
    Weitere Ausg.: Reproduktion von Torre, Augusto de la Bank Involvement With SMES 2008
    Sprache: Englisch
    URL: Volltext  (URL des Erstveröffentlichers)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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  • 2
    UID:
    b3kat_BV040619392
    Umfang: 1 Online-Ressource
    Ausgabe: Online-Ausgabe World Bank E-Library Archive Sonstige Standardnummer des Gesamttitels: 041181-4
    Ausgabe: Also available in print.
    Serie: Policy research working paper 4788
    Inhalt: "This paper studies the factors banks perceive as drivers and obstacles to financing small and medium enterprises (SMEs), focusing on the role of competition and the institutional framework. Using a survey of banks in Argentina and Chile, the paper shows that, despite alleged differences in the countries' environments regarding rules, regulations, and ease of doing business, SMEs have become a strategic segment for most banks in both countries. In particular, banks have begun to target SMEs due to the significant competition in the corporate and retail sectors. They perceive the SMEs market as highly profitable, large, and with good prospects. Moreover, banks are developing coping mechanisms to overcome the particular institutional obstacles present in each country and to compete for SMEs. Banks' interest in SMEs is not based on government programs, yet policy action might help reduce the cost of providing financing, especially long-term lending. "--World Bank web site
    Anmerkung: Includes bibliographical references. - Title from PDF file as viewed on 5/8/2009 , Erscheinungsjahr in Vorlageform:[2008] , Weitere Ausgabe: Torre, Augusto de la: Drivers and obstacles to banking SMEs
    Weitere Ausg.: Reproduktion von Torre, Augusto de la Drivers and obstacles to banking SMEs 2008
    Sprache: Englisch
    Schlagwort(e): Klein- und Mittelbetrieb ; Finanzierung
    URL: Volltext  (URL des Erstveröffentlichers)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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  • 3
    UID:
    b3kat_BV040619071
    Umfang: 1 Online-Ressource (1 online resource (43 p.))
    Ausgabe: Online-Ausgabe World Bank E-Library Archive Sonstige Standardnummer des Gesamttitels: 041181-4
    Inhalt: Between 1995 and 2005, foreign bank participation in Mexico rose from 2 percent of bank assets to 83 percent, as the top five largest banks were acquired by foreigners. This paper examines the link between foreign bank acquisitions and banking outreach. Using quarterly country, bank, and bank-municipality-level data, the authors find some contrasting patterns. As foreign bank participation rose due to foreign acquisitions, the number of municipalities with bank presence increased but the number of loan and deposit accounts fell for the country as a whole and for banks after they became foreign. The drop in the number of loans, however, was partially off-set by an increase in domestic bank loans. Further, the decline in loan and deposit accounts was more pronounced in more rural and poorer areas. Finally, only very rich and urban areas experienced an increase in branches after foreign acquisition
    Anmerkung: Weitere Ausgabe: Beck, Thorsten : Foreign Bank Acquisitions And Outreach
    Weitere Ausg.: Reproduktion von Beck, Thorsten Foreign Bank Acquisitions And Outreach 2008
    Sprache: Englisch
    URL: Volltext  (URL des Erstveröffentlichers)
    Mehr zum Autor: Beck, Thorsten 1967-
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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  • 4
    UID:
    b3kat_BV040618684
    Umfang: 1 Online-Ressource (1 online resource (60 p.))
    Ausgabe: Online-Ausgabe World Bank E-Library Archive Sonstige Standardnummer des Gesamttitels: 041181-4
    Inhalt: Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access
    Anmerkung: Weitere Ausgabe: Beck, Thorsten : Banking Services For Everyone ?
    Weitere Ausg.: Reproduktion von Beck, Thorsten, 1967- Banking Services For Everyone ? 2006
    Sprache: Englisch
    URL: Volltext  (URL des Erstveröffentlichers)
    Mehr zum Autor: Beck, Thorsten 1967-
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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  • 5
    UID:
    b3kat_BV040619389
    Umfang: 1 Online-Ressource (1 online resource (43 p.))
    Ausgabe: Online-Ausgabe World Bank E-Library Archive Sonstige Standardnummer des Gesamttitels: 041181-4
    Inhalt: Using data from a survey of 91 banks in 45 countries, the authors characterize bank financing to small and medium enterprises (SMEs) around the world. They find that banks perceive the SME segment to be highly profitable, but perceive macroeconomic instability in developing countries and competition in developed countries as the main obstacles. To serve SMEs banks have set up dedicated departments and decentralized the sale of products to the branches. However, loan approval, risk management, and loan recovery functions remain centralized. Compared with large firms, banks are less exposed to small enterprises, charge them higher interest rates and fees, and experience more non-performing loans from lending to them. Although there are some differences in SMEs financing across government, private, and foreign-owned banks - with the latter being more likely to engage in arms-length lending - the most significant differences are found between banks in developed and developing countries. Banks in developing countries tend to be less exposed to SMEs, provide a lower share of investment loans, and charge higher fees and interest rates. Overall, the evidence suggests that the lending environment is more important than firm size or bank ownership type in shaping bank financing to SMEs
    Anmerkung: Weitere Ausgabe: Beck, Thorsten : Bank Financing For SMEs Around The World
    Weitere Ausg.: Reproduktion von Beck, Thorsten, 1967- Bank Financing For SMEs Around The World 2008
    Sprache: Englisch
    URL: Volltext  (URL des Erstveröffentlichers)
    Mehr zum Autor: Beck, Thorsten 1967-
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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  • 6
    UID:
    b3kat_BV048264514
    Umfang: 1 Online-Ressource (31 p)
    Inhalt: Remittances are a sizeable source of external financing for developing countries. In the L'Aquila 2009 G8 Summit, leaders pledged to reduce the cost of remittances by half in 5 years (from 10 to 5 percent). Yet, empirically, little is known about what drives the cost of remittances. Using newly gathered data across 119 country corridors, this paper explores the factors that determine the cost of remittances. Considering average costs across all types of institutions, the authors find that corridors with larger numbers of migrants and more competition among remittances service providers exhibit lower costs. By contrast, remittance costs are higher in richer corridors and in corridors with greater bank participation in the remittances market. Comparing results across all banks and all money transfer operators separately, the analysis finds few significant differences. However, estimations for Western Union, a leading player in the remittances business, suggest that this firm's prices are insensitive to competition
    Weitere Ausg.: Beck, Thorsten What Explains the Cost of Remittances ?
    Sprache: Englisch
    URL: Volltext  (URL des Erstveröffentlichers)
    Mehr zum Autor: Beck, Thorsten 1967-
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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