Sistema de Información Económica

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Credit Market Survey - (CF471)

Period: Jan-Mar 2009 - Oct-Dec 2018, Quarterly, Different Units or Measures, N-Homogeneous

Jan-Mar 2009 - Oct-Dec 2018

Quarterly

Different Units or Measures

N-Homogeneous

Export:

Analysis:

Consultar carrito de series My series (0)



+ Open all
Apr-Jun 2018 Jul-Sep 2018 Oct-Dec 2018
Credit Market Survey 1/
(Percent of firms)
- All the firms
- Total Financing
i
+ Firms that use some type of financing: 4/
84.00 85.20 87.10
+ Sources of financing: 2/
i
Suppliers
75.10 74.20 80.60
i
Commercial banks
34.40 32.30 31.50
i
Foreign banks
5.70 5.80 4.80
i
Other firms in corporation/parent company
17.60 22.40 19.50
i
Other firms in corporation
N/E N/E N/E
i
Development banks
4.70 4.10 4.40
i
Parent company
N/E N/E N/E
i
Debt issue
1.90 0.50 2.10
i
+ Firms that grant some type of financing: 4/
81.00 80.90 82.30
+ To: 2/
i
Clients
79.60 79.40 81.30
i
Suppliers
14.30 14.00 13.70
i
Other firms in corporation
12.70 13.10 12.80
i
Other
0.30 0.70 0.50
+ Average maturity of the financing granted (days)
i
Clients
58.00 63.00 60.00
i
Suppliers
47.00 51.00 48.00
i
Other firms in corporation
65.00 65.00 73.00
i
Firms that will ask for bank credit in the next quarter: 4/
29.80 32.00 31.90
- Bank Credit Market 3/
i
Firms with bank indebtedness at the beginning of the quarter:
47.80 46.40 45.30
i
+ Firms that use new bank credit: 4/
24.50 19.80 25.10
+ For: 2/
i
Working capital
78.90 77.30 74.10
i
Liability restructuring
10.40 16.70 14.20
i
Foreign trade transactions
0.10 1.40 1.00
i
Investment purposes
12.40 25.70 19.80
i
Other purposes
5.30 1.50 4.80
+ Perception about conditions of access to bank credit:
Diffusion index 5/
i
Amounts offered
51.30 49.30 56.00
i
Maturities available
50.50 47.60 54.60
i
Collateral Requirements
44.30 43.20 44.60
i
Time resolution for the credit
45.40 44.90 49.50
i
Troubles for refinancing loans
44.90 44.90 49.80
i
Other conditions requested by banks
46.80 41.10 44.00
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
i
Bank interest rates
23.00 29.90 28.90
i
Fees and other expenses
40.40 41.80 42.40
i
+ Firms that not use new bank credit: 4/
75.50 80.20 74.90
i
Requested and is in the process of authorization
1.50 2.00 2.50
i
Requested and was denied
0.60 1.10 1.70
i
Requested but rejected it because it was too expensive
0.00 0.20 0.10
i
Not requested
73.40 76.80 70.60
+ 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
42.10 44.60 48.40
i
Access to government support
34.80 31.20 33.80
i
Sales and profitability of your business
36.00 33.80 36.10
i
Capitalization of your company
34.70 26.80 32.20
i
Business credit history
26.90 22.30 25.50
i
Willingness of banks to lend
36.40 32.30 34.00
i
Difficulties in servicing of existing bank debt
23.50 21.70 29.50
i
Market interest rates of bank credit
47.50 43.60 48.90
i
Conditions of access to bank credit
39.20 36.40 40.30
i
Amounts required as collateral to access bank financing
43.40 39.50 45.00
+ 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 19.50 17.60
i
Important
27.40 21.70 25.90
i
Not important
57.80 58.80 56.50
- Firms with up to 100 workers
- Total Financing
i
+ Firms that use some type of financing: 4/
80.10 82.60 85.00
+ Sources of financing: 2/
i
Suppliers
73.40 72.50 80.70
i
Commercial banks
21.10 19.30 18.00
i
Foreign banks
1.80 2.70 0.40
i
Other firms in corporation/parent company
11.40 16.60 16.60
i
Other firms in corporation
N/E N/E N/E
i
Development banks
0.80 0.10 0.00
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/
78.60 78.50 79.70
+ To: 2/
i
Clients
76.50 76.50 79.50
i
Suppliers
10.60 11.80 9.90
i
Other firms in corporation
5.60 6.80 7.40
i
Other
0.10 0.00 0.00
+ Average maturity of the financing granted (days)
i
Clients
51.00 54.00 54.00
i
Suppliers
42.00 38.00 41.00
i
Other firms in corporation
45.00 37.00 62.00
i
Firms that will ask for bank credit in the next quarter: 4/
15.60 20.90 20.80
- Bank Credit Market 3/
i
Firms with bank indebtedness at the beginning of the quarter:
34.90 36.60 33.10
i
+ Firms that use new bank credit: 4/
14.10 9.00 14.70
+ For: 2/
i
Working capital
87.60 86.10 53.80
i
Liability restructuring
0.60 0.00 0.00
i
Foreign trade transactions
0.00 0.00 0.00
i
Investment purposes
17.10 21.10 13.50
i
Other purposes
0.60 0.00 21.00
+ Perception about conditions of access to bank credit:
Diffusion index 5/
i
Amounts offered
52.00 41.70 58.10
i
Maturities available
50.00 32.30 52.00
i
Collateral Requirements
52.00 34.40 43.70
i
Time resolution for the credit
52.50 48.30 44.60
i
Troubles for refinancing loans
50.00 47.20 49.40
i
Other conditions requested by banks
52.20 35.70 44.40
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
i
Bank interest rates
16.00 27.50 23.20
i
Fees and other expenses
42.40 42.40 34.20
i
+ Firms that not use new bank credit: 4/
85.90 91.00 85.30
i
Requested and is in the process of authorization
0.50 1.00 1.40
i
Requested and was denied
0.80 1.80 3.00
i
Requested but rejected it because it was too expensive
0.00 0.40 0.10
i
Not requested
84.70 87.70 80.80
+ 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
48.70 46.50 50.80
i
Access to government support
37.30 30.40 35.90
i
Sales and profitability of your business
43.40 38.30 41.70
i
Capitalization of your company
37.80 29.50 32.10
i
Business credit history
29.80 24.20 29.90
i
Willingness of banks to lend
39.10 33.80 33.80
i
Difficulties in servicing of existing bank debt
27.50 22.10 32.90
i
Market interest rates of bank credit
50.10 48.20 50.20
i
Conditions of access to bank credit
42.10 38.10 39.90
i
Amounts required as collateral to access bank financing
48.40 40.90 46.20
+ 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
17.30 23.40 21.60
i
Important
27.40 21.40 22.40
i
Not important
55.30 55.20 55.90
- Firms with more that 100 workers
- Total Financing
i
+ Firms that use some type of financing: 4/
86.30 86.80 88.30
+ Sources of financing: 2/
i
Suppliers
76.10 75.10 80.50
i
Commercial banks
42.30 40.00 39.50
i
Foreign banks
8.10 7.60 7.40
i
Other firms in corporation/parent company
21.40 25.80 21.10
i
Other firms in corporation
N/E N/E N/E
i
Development banks
7.10 6.40 7.00
i
Parent company
N/E N/E N/E
i
Debt issue
3.10 0.80 3.30
i
+ Firms that grant some type of financing: 4/
82.40 82.30 83.90
+ To: 2/
i
Clients
81.40 81.10 82.40
i
Suppliers
16.50 15.30 16.00
i
Other firms in corporation
16.90 16.80 15.90
i
Other
0.40 1.10 0.80
+ Average maturity of the financing granted (days)
i
Clients
62.00 68.00 63.00
i
Suppliers
48.00 56.00 51.00
i
Other firms in corporation
69.00 72.00 76.00
i
Firms that will ask for bank credit in the next quarter: 4/
38.30 38.70 38.40
- Bank Credit Market 3/
i
Firms with bank indebtedness at the beginning of the quarter:
55.50 52.30 52.60
i
+ Firms that use new bank credit: 4/
30.70 26.10 31.40
+ For: 2/
i
Working capital
76.50 75.60 79.70
i
Liability restructuring
13.00 20.10 18.20
i
Foreign trade transactions
0.20 1.70 1.30
i
Investment purposes
11.10 26.70 21.60
i
Other purposes
6.60 1.80 0.30
+ Perception about conditions of access to bank credit:
Diffusion index 5/
i
Amounts offered
51.10 51.00 55.50
i
Maturities available
50.70 50.90 55.20
i
Collateral Requirements
42.50 45.20 44.80
i
Time resolution for the credit
43.80 44.20 50.80
i
Troubles for refinancing loans
43.70 44.40 50.00
i
Other conditions requested by banks
45.50 42.30 43.80
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
i
Bank interest rates
24.70 30.40 30.40
i
Fees and other expenses
39.90 41.70 44.50
i
+ Firms that not use new bank credit: 4/
69.30 73.90 68.60
i
Requested and is in the process of authorization
2.20 2.60 3.10
i
Requested and was denied
0.50 0.80 0.90
i
Requested but rejected it because it was too expensive
0.00 0.10 0.10
i
Not requested
66.60 70.40 64.50
+ 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