Financing and financial information of financial intermediaries   >   (CF471) - Credit Market Survey
  Financing and financial information of financial intermediaries     (CF471) - Credit Market Survey

Period: Jan-Mar 2009 - Apr-Jun 2018, Quarterly, Different Units or Measures, N-Homogeneous

            (0)
Period: - Orientation:
See all
Oct-Dec 2017 Jan-Mar 2018 Apr-Jun 2018
Credit Market Survey 1/
(Percent of firms)
All the firms
Total Financing
Firms that use some type of financing: 4/
83.40 83.70 84.00
Sources of financing: 2/
Suppliers
73.50 76.70 75.10
Commercial banks
35.50 31.20 34.40
Foreign banks
5.60 5.80 5.70
Other firms in corporation/parent company
17.50 15.50 17.60
Other firms in corporation
N/E N/E N/E
Development banks
6.30 5.80 4.70
Parent company
N/E N/E N/E
Debt issue
2.30 2.60 1.90
Firms that grant some type of financing: 4/
81.80 80.10 81.00
To: 2/
Clients
80.30 77.10 79.60
Suppliers
17.60 11.50 14.30
Other firms in corporation
9.80 11.40 12.70
Other
0.40 0.60 0.30
Average maturity of the financing granted (days)
Clients
59.00 58.00 58.00
Suppliers
51.00 62.00 47.00
Other firms in corporation
59.00 57.00 65.00
Firms that will ask for bank credit in the next quarter: 4/
32.30 30.50 29.80
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
42.90 47.40 47.80
Firms that use new bank credit: 4/
22.50 20.80 24.50
For: 2/
Working capital
83.70 80.70 78.90
Liability restructuring
14.10 16.30 10.40
Foreign trade transactions
1.40 0.20 0.10
Investment purposes
12.80 21.60 12.40
Other purposes
0.80 2.90 5.30
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
51.80 55.50 51.30
Maturities available
50.90 51.50 50.50
Collateral Requirements
43.10 48.70 44.30
Time resolution for the credit
46.20 45.70 45.40
Troubles for refinancing loans
50.40 50.10 44.90
Other conditions requested by banks
41.40 42.00 46.80
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
29.60 20.70 23.00
Fees and other expenses
41.00 45.10 40.40
Firms that not use new bank credit: 4/
77.50 79.30 75.50
Requested and is in the process of authorization
1.50 1.60 1.50
Requested and was denied
1.30 1.10 0.60
Requested but rejected it because it was too expensive
0.00 0.00 0.00
Not requested
74.70 76.50 73.40
Limiting factors to apply or use new loans 2/
A rise on bank interest rates
N/E N/E N/E
Tighter bank credit standards
N/E N/E N/E
Increase on collateral required by banks
N/E N/E N/E
Worsening of current and/or expected economic conditions
N/E N/E N/E
Decline on firm product or service demand
N/E N/E N/E
Worsening of the company's financial position
N/E N/E N/E
Increasing difficulties on bank debt servicing
N/E N/E N/E
Other
N/E N/E N/E
Limiting factors to apply or use new loans 7/
General economic situation
42.10 41.20 42.10
Access to government support
31.80 31.60 34.80
Sales and profitability of your business
33.70 34.00 36.00
Capitalization of your company
27.60 30.90 34.70
Business credit history
23.20 22.80 26.90
Willingness of banks to lend
34.20 34.10 36.40
Difficulties in servicing of existing bank debt
22.60 22.20 23.50
Market interest rates of bank credit
41.10 48.50 47.50
Conditions of access to bank credit
34.70 39.50 39.20
Amounts required as collateral to access bank financing
35.60 42.70 43.40
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
15.60 14.70 14.70
Important
30.80 27.10 27.40
Not important
53.70 58.30 57.80
Firms with up to 100 workers
Total Financing
Firms that use some type of financing: 4/
81.20 78.90 80.10
Sources of financing: 2/
Suppliers
72.90 72.80 73.40
Commercial banks
25.30 15.10 21.10
Foreign banks
2.90 2.00 1.80
Other firms in corporation/parent company
11.70 12.00 11.40
Other firms in corporation
N/E N/E N/E
Development banks
2.20 0.30 0.80
Parent company
N/E N/E N/E
Debt issue
0.00 0.00 0.00
Firms that grant some type of financing: 4/
80.40 74.30 78.60
To: 2/
Clients
78.90 72.80 76.50
Suppliers
11.90 4.20 10.60
Other firms in corporation
6.00 7.70 5.60
Other
0.00 0.50 0.10
Average maturity of the financing granted (days)
Clients
46.00 47.00 51.00
Suppliers
45.00 55.00 42.00
Other firms in corporation
43.00 41.00 45.00
Firms that will ask for bank credit in the next quarter: 4/
22.10 21.60 15.60
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
33.30 34.80 34.90
Firms that use new bank credit: 4/
17.00 7.40 14.10
For: 2/
Working capital
86.20 78.80 87.60
Liability restructuring
9.80 1.20 0.60
Foreign trade transactions
0.00 1.10 0.00
Investment purposes
7.00 7.30 17.10
Other purposes
0.90 6.30 0.60
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
48.20 53.20 52.00
Maturities available
48.80 57.30 50.00
Collateral Requirements
38.10 53.90 52.00
Time resolution for the credit
60.70 49.60 52.50
Troubles for refinancing loans
60.70 54.50 50.00
Other conditions requested by banks
47.40 45.90 52.20
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
23.50 15.80 16.00
Fees and other expenses
32.50 31.80 42.40
Firms that not use new bank credit: 4/
83.00 92.60 85.90
Requested and is in the process of authorization
1.60 1.20 0.50
Requested and was denied
0.90 0.30 0.80
Requested but rejected it because it was too expensive
0.00 0.00 0.00
Not requested
80.50 91.10 84.70
Limiting factors to apply or use new loans 2/
A rise on bank interest rates
N/E N/E N/E
Tighter bank credit standards
N/E N/E N/E
Increase on collateral required by banks
N/E N/E N/E
Worsening of current and/or expected economic conditions
N/E N/E N/E
Decline on firm product or service demand
N/E N/E N/E
Worsening of the company's financial position
N/E N/E N/E
Increasing difficulties on bank debt servicing
N/E N/E N/E
Other
N/E N/E N/E
Limiting factors to apply or use new loans 7/
General economic situation
48.90 42.90 48.70
Access to government support
38.00 34.30 37.30
Sales and profitability of your business
41.80 37.30 43.40
Capitalization of your company
34.90 34.60 37.80
Business credit history
29.10 24.30 29.80
Willingness of banks to lend
39.70 36.90 39.10
Difficulties in servicing of existing bank debt
32.30 23.20 27.50
Market interest rates of bank credit
50.40 52.50 50.10
Conditions of access to bank credit
40.70 43.90 42.10
Amounts required as collateral to access bank financing
41.00 46.60 48.40
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
18.30 16.50 17.30
Important
33.10 26.30 27.40
Not important
48.50 57.20 55.30
Firms with more that 100 workers
Total Financing
Firms that use some type of financing: 4/
84.70 86.60 86.30
Sources of financing: 2/
Suppliers
73.90 78.90 76.10
Commercial banks
41.70 40.80 42.30
Foreign banks
7.10 8.10 8.10
Other firms in corporation/parent company
21.00 17.60 21.40
Other firms in corporation
N/E N/E N/E
Development banks
8.80 9.10 7.10
Parent company
N/E N/E N/E
Debt issue
3.70 4.10 3.10
Firms that grant some type of financing: 4/
82.60 83.50 82.40
To: 2/
Clients
81.20 79.70 81.40
Suppliers
21.00 15.90 16.50
Other firms in corporation
12.00 13.50 16.90
Other
0.60 0.80 0.40
Average maturity of the financing granted (days)
Clients
67.00 65.00 62.00
Suppliers
53.00 63.00 48.00
Other firms in corporation
63.00 63.00 69.00
Firms that will ask for bank credit in the next quarter: 4/
38.40 35.70 38.30
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
48.60 54.90 55.50
Firms that use new bank credit: 4/
25.80 28.70 30.70
For: 2/
Working capital
82.70 81.00 76.50
Liability restructuring
15.80 18.60 13.00
Foreign trade transactions
1.90 0.00 0.20
Investment purposes
15.10 23.80 11.10
Other purposes
0.80 2.40 6.60
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
53.00 55.80 51.10
Maturities available
51.70 50.80 50.70
Collateral Requirements
44.80 48.00 42.50
Time resolution for the credit
42.40 45.20 43.80
Troubles for refinancing loans
47.70 49.50 43.70
Other conditions requested by banks
39.70 41.40 45.50
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
31.70 21.40 24.70
Fees and other expenses
43.90 46.90 39.90
Firms that not use new bank credit: 4/
74.20 71.30 69.30
Requested and is in the process of authorization
1.40 1.90 2.20
Requested and was denied
1.50 1.60 0.50
Requested but rejected it because it was too expensive
0.00 0.00 0.00
Not requested
71.20 67.80 66.60
Limiting factors to apply or use new loans 2/
A rise on bank interest rates
N/E N/E N/E
Tighter bank credit standards
N/E N/E N/E
Increase on collateral required by banks
N/E N/E N/E
Worsening of current and/or expected economic conditions
N/E N/E N/E
Decline on firm product or service demand
N/E N/E N/E
Worsening of the company's financial position
N/E N/E N/E
Increasing difficulties on bank debt servicing
N/E N/E N/E
Other
N/E N/E N/E
Limiting factors to apply or use new loans 7/
General economic situation
37.60 39.80 37.30
Access to government support
27.60 29.60 32.90
Sales and profitability of your business
28.30 31.50 30.50
Capitalization of your company
22.90 28.00 32.40
Business credit history
19.30 21.60 24.80
Willingness of banks to lend
30.50 32.00 34.40
Difficulties in servicing of existing bank debt
16.20 21.40 20.50
Market interest rates of bank credit
34.80 45.40 45.50