SISTEMA DE INFORMACIÓN ECONÓMICA

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Credit Market Survey - (CF471)

Period: Jan-Mar 2009 - Jul-Sep 2018, Quarterly, Different Units or Measures, N-Homogeneous

Jan-Mar 2009 - Jul-Sep 2018

Quarterly

Different Units or Measures

N-Homogeneous

Export:

Analysis:

Consultar carrito de series My series (0)



+ Show all
Jan-Mar 2018 Apr-Jun 2018 Jul-Sep 2018
Credit Market Survey 1/
(Percent of firms)
- All the firms
- Total Financing
i
+ Firms that use some type of financing: 4/
83.70 84.00 85.20
+ Sources of financing: 2/
i
Suppliers
76.70 75.10 74.20
i
Commercial banks
31.20 34.40 32.30
i
Foreign banks
5.80 5.70 5.80
i
Other firms in corporation/parent company
15.50 17.60 22.40
i
Other firms in corporation
N/E N/E N/E
i
Development banks
5.80 4.70 4.10
i
Parent company
N/E N/E N/E
i
Debt issue
2.60 1.90 0.50
i
+ Firms that grant some type of financing: 4/
80.10 81.00 80.90
+ To: 2/
i
Clients
77.10 79.60 79.40
i
Suppliers
11.50 14.30 14.00
i
Other firms in corporation
11.40 12.70 13.10
i
Other
0.60 0.30 0.70
+ Average maturity of the financing granted (days)
i
Clients
58.00 58.00 63.00
i
Suppliers
62.00 47.00 51.00
i
Other firms in corporation
57.00 65.00 65.00
i
Firms that will ask for bank credit in the next quarter: 4/
30.50 29.80 32.00
- Bank Credit Market 3/
i
Firms with bank indebtedness at the beginning of the quarter:
47.40 47.80 46.40
i
+ Firms that use new bank credit: 4/
20.80 24.50 19.80
+ For: 2/
i
Working capital
80.70 78.90 77.30
i
Liability restructuring
16.30 10.40 16.70
i
Foreign trade transactions
0.20 0.10 1.40
i
Investment purposes
21.60 12.40 25.70
i
Other purposes
2.90 5.30 1.50
+ Perception about conditions of access to bank credit:
Diffusion index 5/
i
Amounts offered
55.50 51.30 49.30
i
Maturities available
51.50 50.50 47.60
i
Collateral Requirements
48.70 44.30 43.20
i
Time resolution for the credit
45.70 45.40 44.90
i
Troubles for refinancing loans
50.10 44.90 44.90
i
Other conditions requested by banks
42.00 46.80 41.10
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
i
Bank interest rates
20.70 23.00 29.90
i
Fees and other expenses
45.10 40.40 41.80
i
+ Firms that not use new bank credit: 4/
79.30 75.50 80.20
i
Requested and is in the process of authorization
1.60 1.50 2.00
i
Requested and was denied
1.10 0.60 1.10
i
Requested but rejected it because it was too expensive
0.00 0.00 0.20
i
Not requested
76.50 73.40 76.80
+ Limiting factors to apply or use new loans 2/
i
A rise on bank interest rates
N/E N/E N/E
i
Tighter bank credit standards
N/E N/E N/E
i
Increase on collateral required by banks
N/E N/E N/E
i
Worsening of current and/or expected economic conditions
N/E N/E N/E
i
Decline on firm product or service demand
N/E N/E N/E
i
Worsening of the company's financial position
N/E N/E N/E
i
Increasing difficulties on bank debt servicing
N/E N/E N/E
i
Other
N/E N/E N/E
+ Limiting factors to apply or use new loans 7/
i
General economic situation
41.20 42.10 44.60
i
Access to government support
31.60 34.80 31.20
i
Sales and profitability of your business
34.00 36.00 33.80
i
Capitalization of your company
30.90 34.70 26.80
i
Business credit history
22.80 26.90 22.30
i
Willingness of banks to lend
34.10 36.40 32.30
i
Difficulties in servicing of existing bank debt
22.20 23.50 21.70
i
Market interest rates of bank credit
48.50 47.50 43.60
i
Conditions of access to bank credit
39.50 39.20 36.40
i
Amounts required as collateral to access bank financing
42.70 43.40 39.50
+ All the firms:
+ The conditions of access and cost of bank credit market as a constraint for the operation of your business:
i
Very important
14.70 14.70 19.50
i
Important
27.10 27.40 21.70
i
Not important
58.30 57.80 58.80
- Firms with up to 100 workers
- Total Financing
i
+ Firms that use some type of financing: 4/
78.90 80.10 82.60
+ Sources of financing: 2/
i
Suppliers
72.80 73.40 72.50
i
Commercial banks
15.10 21.10 19.30
i
Foreign banks
2.00 1.80 2.70
i
Other firms in corporation/parent company
12.00 11.40 16.60
i
Other firms in corporation
N/E N/E N/E
i
Development banks
0.30 0.80 0.10
i
Parent company
N/E N/E N/E
i
Debt issue
0.00 0.00 0.00
i
+ Firms that grant some type of financing: 4/
74.30 78.60 78.50
+ To: 2/
i
Clients
72.80 76.50 76.50
i
Suppliers
4.20 10.60 11.80
i
Other firms in corporation
7.70 5.60 6.80
i
Other
0.50 0.10 0.00
+ Average maturity of the financing granted (days)
i
Clients
47.00 51.00 54.00
i
Suppliers
55.00 42.00 38.00
i
Other firms in corporation
41.00 45.00 37.00
i
Firms that will ask for bank credit in the next quarter: 4/
21.60 15.60 20.90
- Bank Credit Market 3/
i
Firms with bank indebtedness at the beginning of the quarter:
34.80 34.90 36.60
i
+ Firms that use new bank credit: 4/
7.40 14.10 9.00
+ For: 2/
i
Working capital
78.80 87.60 86.10
i
Liability restructuring
1.20 0.60 0.00
i
Foreign trade transactions
1.10 0.00 0.00
i
Investment purposes
7.30 17.10 21.10
i
Other purposes
6.30 0.60 0.00
+ Perception about conditions of access to bank credit:
Diffusion index 5/
i
Amounts offered
53.20 52.00 41.70
i
Maturities available
57.30 50.00 32.30
i
Collateral Requirements
53.90 52.00 34.40
i
Time resolution for the credit
49.60 52.50 48.30
i
Troubles for refinancing loans
54.50 50.00 47.20
i
Other conditions requested by banks
45.90 52.20 35.70
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
i
Bank interest rates
15.80 16.00 27.50
i
Fees and other expenses
31.80 42.40 42.40
i
+ Firms that not use new bank credit: 4/
92.60 85.90 91.00
i
Requested and is in the process of authorization
1.20 0.50 1.00
i
Requested and was denied
0.30 0.80 1.80
i
Requested but rejected it because it was too expensive
0.00 0.00 0.40
i
Not requested
91.10 84.70 87.70
+ Limiting factors to apply or use new loans 2/
i
A rise on bank interest rates
N/E N/E N/E
i
Tighter bank credit standards
N/E N/E N/E
i
Increase on collateral required by banks
N/E N/E N/E
i
Worsening of current and/or expected economic conditions
N/E N/E N/E
i
Decline on firm product or service demand
N/E N/E N/E
i
Worsening of the company's financial position
N/E N/E N/E
i
Increasing difficulties on bank debt servicing
N/E N/E N/E
i
Other
N/E N/E N/E
+ Limiting factors to apply or use new loans 7/
i
General economic situation
42.90 48.70 46.50
i
Access to government support
34.30 37.30 30.40
i
Sales and profitability of your business
37.30 43.40 38.30
i
Capitalization of your company
34.60 37.80 29.50
i
Business credit history
24.30 29.80 24.20
i
Willingness of banks to lend
36.90 39.10 33.80
i
Difficulties in servicing of existing bank debt
23.20 27.50 22.10
i
Market interest rates of bank credit
52.50 50.10 48.20
i
Conditions of access to bank credit
43.90 42.10 38.10
i
Amounts required as collateral to access bank financing
46.60 48.40 40.90
+ All the firms:
+ The conditions of access and cost of bank credit market as a constraint for the operation of your business:
i
Very important
16.50 17.30 23.40
i
Important
26.30 27.40 21.40
i
Not important
57.20 55.30 55.20
- Firms with more that 100 workers
- Total Financing
i
+ Firms that use some type of financing: 4/
86.60 86.30 86.80
+ Sources of financing: 2/
i
Suppliers
78.90 76.10 75.10
i
Commercial banks
40.80 42.30 40.00
i
Foreign banks
8.10 8.10 7.60
i
Other firms in corporation/parent company
17.60 21.40 25.80
i
Other firms in corporation
N/E N/E N/E
i
Development banks
9.10 7.10 6.40
i
Parent company
N/E N/E N/E
i
Debt issue
4.10 3.10 0.80
i
+ Firms that grant some type of financing: 4/
83.50 82.40 82.30
+ To: 2/
i
Clients
79.70 81.40 81.10
i
Suppliers
15.90 16.50 15.30
i
Other firms in corporation
13.50 16.90 16.80
i
Other
0.80 0.40 1.10
+ Average maturity of the financing granted (days)
i
Clients
65.00 62.00 68.00
i
Suppliers
63.00 48.00 56.00
i
Other firms in corporation
63.00 69.00 72.00
i
Firms that will ask for bank credit in the next quarter: 4/
35.70 38.30 38.70
- Bank Credit Market 3/
i
Firms with bank indebtedness at the beginning of the quarter:
54.90 55.50 52.30
i
+ Firms that use new bank credit: 4/
28.70 30.70 26.10
+ For: 2/
i
Working capital
81.00 76.50 75.60
i
Liability restructuring
18.60 13.00 20.10
i
Foreign trade transactions
0.00 0.20 1.70
i
Investment purposes
23.80 11.10 26.70
i
Other purposes
2.40 6.60 1.80
+ Perception about conditions of access to bank credit:
Diffusion index 5/
i
Amounts offered
55.80 51.10 51.00
i
Maturities available
50.80 50.70 50.90
i
Collateral Requirements
48.00 42.50 45.20
i
Time resolution for the credit
45.20 43.80 44.20
i
Troubles for refinancing loans
49.50 43.70 44.40
i
Other conditions requested by banks
41.40 45.50 42.30
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
i
Bank interest rates
21.40 24.70 30.40
i
Fees and other expenses
46.90 39.90 41.70
i
+ Firms that not use new bank credit: 4/
71.30 69.30 73.90
i
Requested and is in the process of authorization
1.90 2.20 2.60
i
Requested and was denied
1.60 0.50 0.80
i
Requested but rejected it because it was too expensive
0.00 0.00 0.10
i
Not requested
67.80 66.60 70.40
+ Limiting factors to apply or use new loans 2/
i
A rise on bank interest rates
N/E N/E N/E
i
Tighter bank credit standards
N/E N/E N/E
i
Increase on collateral required by banks
N/E N/E N/E
i
Worsening of current and/or expected economic conditions
N/E N/E N/E