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 - Jul-Sep 2017, Quarterly, Different Units or Measures, N-Homogeneous

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Jan-Mar 2017 Apr-Jun 2017 Jul-Sep 2017
Credit Market Survey 1/
(Percent of firms)
All the firms
Total Financing
Firms that use some type of financing: 4/
84.50 82.80 85.10
Sources of financing: 2/
Suppliers
75.90 74.60 76.50
Commercial banks
36.50 36.00 34.10
Foreign banks
5.30 5.70 5.70
Other firms in corporation/parent company
18.80 17.60 18.60
Other firms in corporation
N/E N/E N/E
Development banks
5.10 6.20 6.30
Parent company
N/E N/E N/E
Debt issue
1.30 2.50 2.10
Firms that grant some type of financing: 4/
80.60 78.40 81.30
To: 2/
Clients
78.10 76.30 78.90
Suppliers
13.30 16.40 13.70
Other firms in corporation
11.30 12.90 9.30
Other
0.40 0.20 0.40
Average maturity of the financing granted (days)
Clients
58.00 59.00 61.00
Suppliers
50.00 51.00 54.00
Other firms in corporation
66.00 66.00 60.00
Firms that will ask for bank credit in the next quarter: 4/
38.00 34.60 34.50
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
47.60 47.90 47.70
Firms that use new bank credit: 4/
22.60 27.00 24.00
For: 2/
Working capital
80.10 80.50 80.30
Liability restructuring
17.70 13.90 15.00
Foreign trade transactions
3.20 0.80 0.10
Investment purposes
15.60 22.10 13.30
Other purposes
0.60 5.50 0.30
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
52.00 47.80 57.10
Maturities available
53.00 53.30 59.10
Collateral Requirements
44.70 44.60 49.30
Time resolution for the credit
43.90 44.10 46.00
Troubles for refinancing loans
48.90 45.30 53.00
Other conditions requested by banks
43.10 41.10 45.40
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
21.20 15.80 26.70
Fees and other expenses
32.80 35.20 41.80
Firms that not use new bank credit: 4/
77.40 73.00 76.00
Requested and is in the process of authorization
3.60 2.70 1.20
Requested and was denied
1.50 1.30 1.50
Requested but rejected it because it was too expensive
0.60 0.40 0.10
Not requested
71.70 68.70 73.10
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
51.60 50.20 44.30
Access to government support
43.80 42.30 37.80
Sales and profitability of your business
43.40 39.90 35.80
Capitalization of your company
43.20 39.20 32.10
Business credit history
29.40 23.90 21.20
Willingness of banks to lend
43.50 38.30 35.20
Difficulties in servicing of existing bank debt
36.50 29.40 25.50
Market interest rates of bank credit
54.80 51.70 44.30
Conditions of access to bank credit
46.50 45.50 38.90
Amounts required as collateral to access bank financing
48.50 49.30 35.10
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
16.20 17.50 16.70
Important
30.40 31.50 29.90
Not important
53.30 51.00 53.40
Firms with up to 100 workers
Total Financing
Firms that use some type of financing: 4/
81.20 80.30 81.50
Sources of financing: 2/
Suppliers
72.90 74.80 72.90
Commercial banks
27.50 23.50 26.00
Foreign banks
1.90 0.50 2.70
Other firms in corporation/parent company
14.00 13.60 11.20
Other firms in corporation
N/E N/E N/E
Development banks
0.00 1.20 0.50
Parent company
N/E N/E N/E
Debt issue
0.00 0.00 0.00
Firms that grant some type of financing: 4/
75.80 74.50 79.20
To: 2/
Clients
74.40 73.40 78.00
Suppliers
7.40 11.70 10.20
Other firms in corporation
6.80 7.40 6.00
Other
0.00 0.00 0.00
Average maturity of the financing granted (days)
Clients
48.00 48.00 49.00
Suppliers
44.00 44.00 48.00
Other firms in corporation
69.00 67.00 60.00
Firms that will ask for bank credit in the next quarter: 4/
23.20 23.60 21.00
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
39.80 38.10 40.90
Firms that use new bank credit: 4/
14.00 13.50 13.10
For: 2/
Working capital
74.50 84.00 88.50
Liability restructuring
16.70 0.60 3.70
Foreign trade transactions
3.10 0.00 0.00
Investment purposes
14.50 13.70 4.10
Other purposes
1.80 6.10 0.40
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
46.30 37.30 53.90
Maturities available
57.30 50.50 66.30
Collateral Requirements
42.30 46.60 47.90
Time resolution for the credit
54.80 37.30 51.60
Troubles for refinancing loans
57.60 38.90 51.60
Other conditions requested by banks
52.20 39.50 47.60
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
17.90 12.00 30.60
Fees and other expenses
31.60 31.60 34.40
Firms that not use new bank credit: 4/
86.00 86.50 86.90
Requested and is in the process of authorization
2.50 2.50 1.40
Requested and was denied
1.30 1.00 0.60
Requested but rejected it because it was too expensive
1.10 0.90 0.30
Not requested
81.20 82.00 84.50
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
53.20 48.40 49.50
Access to government support
48.50 40.30 41.30
Sales and profitability of your business
47.20 38.50 42.00
Capitalization of your company
47.10 36.20 34.50
Business credit history
31.70 23.00 23.40
Willingness of banks to lend
47.10 37.40 38.80
Difficulties in servicing of existing bank debt
43.20 30.20 26.60
Market interest rates of bank credit
63.80 54.20 49.20
Conditions of access to bank credit
52.30 47.00 42.80
Amounts required as collateral to access bank financing
55.30 49.50 38.10
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
19.90 18.40 17.00
Important
31.40 31.90 33.30
Not important
48.70 49.70 49.70
Firms with more that 100 workers
Total Financing
Firms that use some type of financing: 4/
86.40 84.30 87.20
Sources of financing: 2/
Suppliers
77.70 74.50 78.60
Commercial banks
41.80 43.30 38.90
Foreign banks
7.30 8.70 7.50
Other firms in corporation/parent company
21.60 20.00 23.00
Other firms in corporation
N/E N/E N/E
Development banks
8.10 9.10 9.70
Parent company
N/E N/E N/E
Debt issue
2.10 4.00 3.40
Firms that grant some type of financing: 4/
83.50 80.70 82.60
To: 2/
Clients
80.30 78.10 79.50
Suppliers
16.90 19.20 15.90
Other firms in corporation
14.00 16.10 11.20
Other
0.70 0.40 0.60
Average maturity of the financing granted (days)
Clients
65.00 65.00 67.00
Suppliers
52.00 54.00 56.00
Other firms in corporation
66.00 66.00 60.00
Firms that will ask for bank credit in the next quarter: 4/
46.80 41.20 42.50
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
52.20 53.80 51.70
Firms that use new bank credit: 4/
27.70 35.00 30.50
For: 2/
Working capital
81.80 79.70 78.10
Liability restructuring
18.00 17.00 17.90
Foreign trade transactions
3.20 1.00 0.20
Investment purposes
16.00 24.10 15.60
Other purposes
0.20 5.40 0.30
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
53.40 49.80 57.80
Maturities available
51.80 53.80 57.60
Collateral Requirements
45.30 44.20 49.60
Time resolution for the credit
41.20 45.20 44.80
Troubles for refinancing loans
46.70 46.30 53.30
Other conditions requested by banks
40.70 41.40 44.90
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
22.10 16.50 25.90
Fees and other expenses
33.20 35.90 43.40
Firms that not use new bank credit: 4/
72.30 65.00 69.50
Requested and is in the process of authorization
4.30 2.80 1.10
Requested and was denied
1.60 1.50 2.10
Requested but rejected it because it was too expensive
0.40 0.00 0.00
Not requested
66.10 60.70 66.30
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
50.50 51.60 40.40
Access to government support
40.50 44.00 35.20
Sales and profitability of your business
40.70 41.00 31.20
Capitalization of your company
40.50 41.50 30.40
Business credit history
27.90 24.50 19.60
Willingness of banks to lend
40.90 39.00 32.50
Difficulties in servicing of existing bank debt
31.80 28.80 24.70
Market interest rates of bank credit
48.40 49.80 40.60