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 - Jan-Mar 2018, Quarterly, Different Units or Measures, N-Homogeneous

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Jul-Sep 2017 Oct-Dec 2017 Jan-Mar 2018
Credit Market Survey 1/
(Percent of firms)
All the firms
Total Financing
Firms that use some type of financing: 4/
85.10 83.40 83.70
Sources of financing: 2/
Suppliers
76.50 73.50 76.70
Commercial banks
34.10 35.50 31.20
Foreign banks
5.70 5.60 5.80
Other firms in corporation/parent company
18.60 17.50 15.50
Other firms in corporation
N/E N/E N/E
Development banks
6.30 6.30 5.80
Parent company
N/E N/E N/E
Debt issue
2.10 2.30 2.60
Firms that grant some type of financing: 4/
81.30 81.80 80.10
To: 2/
Clients
78.90 80.30 77.10
Suppliers
13.70 17.60 11.50
Other firms in corporation
9.30 9.80 11.40
Other
0.40 0.40 0.60
Average maturity of the financing granted (days)
Clients
61.00 59.00 58.00
Suppliers
54.00 51.00 62.00
Other firms in corporation
60.00 59.00 57.00
Firms that will ask for bank credit in the next quarter: 4/
34.50 32.30 30.50
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
47.70 42.90 47.40
Firms that use new bank credit: 4/
24.00 22.50 20.80
For: 2/
Working capital
80.30 83.70 80.70
Liability restructuring
15.00 14.10 16.30
Foreign trade transactions
0.10 1.40 0.20
Investment purposes
13.30 12.80 21.60
Other purposes
0.30 0.80 2.90
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
57.10 51.80 55.50
Maturities available
59.10 50.90 51.50
Collateral Requirements
49.30 43.10 48.70
Time resolution for the credit
46.00 46.20 45.70
Troubles for refinancing loans
53.00 50.40 50.10
Other conditions requested by banks
45.40 41.40 42.00
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
26.70 29.60 20.70
Fees and other expenses
41.80 41.00 45.10
Firms that not use new bank credit: 4/
76.00 77.50 79.30
Requested and is in the process of authorization
1.20 1.50 1.60
Requested and was denied
1.50 1.30 1.10
Requested but rejected it because it was too expensive
0.10 0.00 0.00
Not requested
73.10 74.70 76.50
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
44.30 42.10 41.20
Access to government support
37.80 31.80 31.60
Sales and profitability of your business
35.80 33.70 34.00
Capitalization of your company
32.10 27.60 30.90
Business credit history
21.20 23.20 22.80
Willingness of banks to lend
35.20 34.20 34.10
Difficulties in servicing of existing bank debt
25.50 22.60 22.20
Market interest rates of bank credit
44.30 41.10 48.50
Conditions of access to bank credit
38.90 34.70 39.50
Amounts required as collateral to access bank financing
35.10 35.60 42.70
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
16.70 15.60 14.70
Important
29.90 30.80 27.10
Not important
53.40 53.70 58.30
Firms with up to 100 workers
Total Financing
Firms that use some type of financing: 4/
81.50 81.20 78.90
Sources of financing: 2/
Suppliers
72.90 72.90 72.80
Commercial banks
26.00 25.30 15.10
Foreign banks
2.70 2.90 2.00
Other firms in corporation/parent company
11.20 11.70 12.00
Other firms in corporation
N/E N/E N/E
Development banks
0.50 2.20 0.30
Parent company
N/E N/E N/E
Debt issue
0.00 0.00 0.00
Firms that grant some type of financing: 4/
79.20 80.40 74.30
To: 2/
Clients
78.00 78.90 72.80
Suppliers
10.20 11.90 4.20
Other firms in corporation
6.00 6.00 7.70
Other
0.00 0.00 0.50
Average maturity of the financing granted (days)
Clients
49.00 46.00 47.00
Suppliers
48.00 45.00 55.00
Other firms in corporation
60.00 43.00 41.00
Firms that will ask for bank credit in the next quarter: 4/
21.00 22.10 21.60
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
40.90 33.30 34.80
Firms that use new bank credit: 4/
13.10 17.00 7.40
For: 2/
Working capital
88.50 86.20 78.80
Liability restructuring
3.70 9.80 1.20
Foreign trade transactions
0.00 0.00 1.10
Investment purposes
4.10 7.00 7.30
Other purposes
0.40 0.90 6.30
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
53.90 48.20 53.20
Maturities available
66.30 48.80 57.30
Collateral Requirements
47.90 38.10 53.90
Time resolution for the credit
51.60 60.70 49.60
Troubles for refinancing loans
51.60 60.70 54.50
Other conditions requested by banks
47.60 47.40 45.90
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
30.60 23.50 15.80
Fees and other expenses
34.40 32.50 31.80
Firms that not use new bank credit: 4/
86.90 83.00 92.60
Requested and is in the process of authorization
1.40 1.60 1.20
Requested and was denied
0.60 0.90 0.30
Requested but rejected it because it was too expensive
0.30 0.00 0.00
Not requested
84.50 80.50 91.10
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
49.50 48.90 42.90
Access to government support
41.30 38.00 34.30
Sales and profitability of your business
42.00 41.80 37.30
Capitalization of your company
34.50 34.90 34.60
Business credit history
23.40 29.10 24.30
Willingness of banks to lend
38.80 39.70 36.90
Difficulties in servicing of existing bank debt
26.60 32.30 23.20
Market interest rates of bank credit
49.20 50.40 52.50
Conditions of access to bank credit
42.80 40.70 43.90
Amounts required as collateral to access bank financing
38.10 41.00 46.60
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
17.00 18.30 16.50
Important
33.30 33.10 26.30
Not important
49.70 48.50 57.20
Firms with more that 100 workers
Total Financing
Firms that use some type of financing: 4/
87.20 84.70 86.60
Sources of financing: 2/
Suppliers
78.60 73.90 78.90
Commercial banks
38.90 41.70 40.80
Foreign banks
7.50 7.10 8.10
Other firms in corporation/parent company
23.00 21.00 17.60
Other firms in corporation
N/E N/E N/E
Development banks
9.70 8.80 9.10
Parent company
N/E N/E N/E
Debt issue
3.40 3.70 4.10
Firms that grant some type of financing: 4/
82.60 82.60 83.50
To: 2/
Clients
79.50 81.20 79.70
Suppliers
15.90 21.00 15.90
Other firms in corporation
11.20 12.00 13.50
Other
0.60 0.60 0.80
Average maturity of the financing granted (days)
Clients
67.00 67.00 65.00
Suppliers
56.00 53.00 63.00
Other firms in corporation
60.00 63.00 63.00
Firms that will ask for bank credit in the next quarter: 4/
42.50 38.40 35.70
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
51.70 48.60 54.90
Firms that use new bank credit: 4/
30.50 25.80 28.70
For: 2/
Working capital
78.10 82.70 81.00
Liability restructuring
17.90 15.80 18.60
Foreign trade transactions
0.20 1.90 0.00
Investment purposes
15.60 15.10 23.80
Other purposes
0.30 0.80 2.40
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
57.80 53.00 55.80
Maturities available
57.60 51.70 50.80
Collateral Requirements
49.60 44.80 48.00
Time resolution for the credit
44.80 42.40 45.20
Troubles for refinancing loans
53.30 47.70 49.50
Other conditions requested by banks
44.90 39.70 41.40
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
25.90 31.70 21.40
Fees and other expenses
43.40 43.90 46.90
Firms that not use new bank credit: 4/
69.50 74.20 71.30
Requested and is in the process of authorization
1.10 1.40 1.90
Requested and was denied
2.10 1.50 1.60
Requested but rejected it because it was too expensive
0.00 0.00 0.00
Not requested
66.30 71.20 67.80
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
40.40 37.60 39.80
Access to government support
35.20 27.60 29.60
Sales and profitability of your business
31.20 28.30 31.50
Capitalization of your company
30.40 22.90 28.00
Business credit history
19.60 19.30 21.60
Willingness of banks to lend
32.50 30.50 32.00
Difficulties in servicing of existing bank debt
24.70 16.20 21.40
Market interest rates of bank credit
40.60 34.80 45.40