Sistema de Información Económica

Credit Market Survey - (CF471)

Period: Jan-Mar 2009 - Jan-Mar 2019, Quarterly, Different Units or Measures, N-Homogeneous

Jan-Mar 2009 - Jan-Mar 2019

Quarterly

Different Units or Measures

N-Homogeneous

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Analysis:

My series (0)



+ Open all
Jul-Sep 2018 Oct-Dec 2018 Jan-Mar 2019
Credit Market Survey 1/
(Percent of firms)
- All the firms
- Total Financing
+ Firms that use some type of financing: 4/
85.20 87.10 86.50
+ Sources of financing: 2/
Suppliers
74.20 80.60 76.90
Commercial banks
32.30 31.50 32.20
Foreign banks
5.80 4.80 5.70
Other firms in corporation/parent company
22.40 19.50 19.50
Other firms in corporation
N/E N/E N/E
Development banks
4.10 4.40 4.30
Parent company
N/E N/E N/E
Debt issue
0.50 2.10 1.80
+ Firms that grant some type of financing: 4/
80.90 82.30 82.00
+ To: 2/
Clients
79.40 81.30 79.90
Suppliers
14.00 13.70 13.50
Other firms in corporation
13.10 12.80 12.20
Other
0.70 0.50 0.30
+ Average maturity of the financing granted (days)
Clients
63.00 60.00 61.00
Suppliers
51.00 48.00 52.00
Other firms in corporation
65.00 73.00 75.00
Firms that will ask for bank credit in the next quarter: 4/
32.00 31.90 35.90
- Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
46.40 45.30 49.90
+ Firms that use new bank credit: 4/
19.80 25.10 21.40
+ For: 2/
Working capital
77.30 74.10 83.10
Liability restructuring
16.70 14.20 17.00
Foreign trade transactions
1.40 1.00 5.30
Investment purposes
25.70 19.80 15.90
Other purposes
1.50 4.80 1.70
+ Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
49.30 56.00 52.70
Maturities available
47.60 54.60 51.10
Collateral Requirements
43.20 44.60 43.90
Time resolution for the credit
44.90 49.50 49.60
Troubles for refinancing loans
44.90 49.80 50.30
Other conditions requested by banks
41.10 44.00 40.90
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
29.90 28.90 39.80
Fees and other expenses
41.80 42.40 47.40
+ Firms that not use new bank credit: 4/
80.20 74.90 78.60
Requested and is in the process of authorization
2.00 2.50 2.90
Requested and was denied
1.10 1.70 0.70
Requested but rejected it because it was too expensive
0.20 0.10 0.00
Not requested
76.80 70.60 75.00
+ 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
44.60 48.40 49.80
Access to government support
31.20 33.80 37.90
Sales and profitability of your business
33.80 36.10 41.80
Capitalization of your company
26.80 32.20 35.40
Business credit history
22.30 25.50 28.80
Willingness of banks to lend
32.30 34.00 39.60
Difficulties in servicing of existing bank debt
21.70 29.50 28.90
Market interest rates of bank credit
43.60 48.90 49.30
Conditions of access to bank credit
36.40 40.30 43.90
Amounts required as collateral to access bank financing
39.50 45.00 44.00
+ All the firms:
+ The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
19.50 17.60 17.90
Important
21.70 25.90 28.10
Not important
58.80 56.50 54.00
- Firms with up to 100 workers
- Total Financing
+ Firms that use some type of financing: 4/
82.60 85.00 83.10
+ Sources of financing: 2/
Suppliers
72.50 80.70 71.60
Commercial banks
19.30 18.00 19.40
Foreign banks
2.70 0.40 3.00
Other firms in corporation/parent company
16.60 16.60 14.00
Other firms in corporation
N/E N/E N/E
Development banks
0.10 0.00 2.70
Parent company
N/E N/E N/E
Debt issue
0.00 0.00 0.40
+ Firms that grant some type of financing: 4/
78.50 79.70 80.90
+ To: 2/
Clients
76.50 79.50 79.30
Suppliers
11.80 9.90 10.10
Other firms in corporation
6.80 7.40 8.50
Other
0.00 0.00 0.00
+ Average maturity of the financing granted (days)
Clients
54.00 54.00 56.00
Suppliers
38.00 41.00 39.00
Other firms in corporation
37.00 62.00 63.00
Firms that will ask for bank credit in the next quarter: 4/
20.90 20.80 24.00
- Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
36.60 33.10 39.50
+ Firms that use new bank credit: 4/
9.00 14.70 10.10
+ For: 2/
Working capital
86.10 53.80 67.40
Liability restructuring
0.00 0.00 23.20
Foreign trade transactions
0.00 0.00 0.00
Investment purposes
21.10 13.50 8.10
Other purposes
0.00 21.00 0.40
+ Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
41.70 58.10 60.50
Maturities available
32.30 52.00 56.20
Collateral Requirements
34.40 43.70 46.10
Time resolution for the credit
48.30 44.60 58.80
Troubles for refinancing loans
47.20 49.40 65.90
Other conditions requested by banks
35.70 44.40 48.50
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
27.50 23.20 35.10
Fees and other expenses
42.40 34.20 57.20
+ Firms that not use new bank credit: 4/
91.00 85.30 89.90
Requested and is in the process of authorization
1.00 1.40 1.70
Requested and was denied
1.80 3.00 1.20
Requested but rejected it because it was too expensive
0.40 0.10 0.00
Not requested
87.70 80.80 87.00
+ 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
46.50 50.80 54.20
Access to government support
30.40 35.90 42.50
Sales and profitability of your business
38.30 41.70 46.70
Capitalization of your company
29.50 32.10 40.20
Business credit history
24.20 29.90 31.30
Willingness of banks to lend
33.80 33.80 43.10
Difficulties in servicing of existing bank debt
22.10 32.90 34.00
Market interest rates of bank credit
48.20 50.20 52.10
Conditions of access to bank credit
38.10 39.90 45.50
Amounts required as collateral to access bank financing
40.90 46.20 46.10
+ All the firms:
+ The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
23.40 21.60 17.00
Important
21.40 22.40 29.60
Not important
55.20 55.90 53.40
- Firms with more that 100 workers
- Total Financing
+ Firms that use some type of financing: 4/
86.80 88.30 88.50
+ Sources of financing: 2/
Suppliers
75.10 80.50 80.10
Commercial banks
40.00 39.50 39.80
Foreign banks
7.60 7.40 7.30
Other firms in corporation/parent company
25.80 21.10 22.80
Other firms in corporation
N/E N/E N/E
Development banks
6.40 7.00 5.30
Parent company
N/E N/E N/E
Debt issue
0.80 3.30 2.50
+ Firms that grant some type of financing: 4/
82.30 83.90 82.70
+ To: 2/
Clients
81.10 82.40 80.20
Suppliers
15.30 16.00 15.50
Other firms in corporation
16.80 15.90 14.30
Other
1.10 0.80 0.50
+ Average maturity of the financing granted (days)
Clients
68.00 63.00 64.00
Suppliers
56.00 51.00 56.00
Other firms in corporation
72.00 76.00 79.00
Firms that will ask for bank credit in the next quarter: 4/
38.70 38.40 43.00
- Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
52.30 52.60 56.10
+ Firms that use new bank credit: 4/
26.10 31.40 28.20
+ For: 2/
Working capital
75.60 79.70 86.40
Liability restructuring
20.10 18.20 15.70
Foreign trade transactions
1.70 1.30 6.50
Investment purposes
26.70 21.60 17.60
Other purposes
1.80 0.30 2.00
+ Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
51.00 55.50 51.10
Maturities available
50.90 55.20 50.00
Collateral Requirements
45.20 44.80 43.40
Time resolution for the credit
44.20 50.80 47.60
Troubles for refinancing loans
44.40 50.00 47.00
Other conditions requested by banks
42.30 43.80 39.10
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
30.40 30.40 40.80
Fees and other expenses
41.70 44.50 45.30
+ Firms that not use new bank credit: 4/
73.90 68.60 71.80
Requested and is in the process of authorization
2.60 3.10 3.60
Requested and was denied
0.80 0.90 0.40
Requested but rejected it because it was too expensive
0.10 0.10 0.00
Not requested
70.40 64.50 67.90
+ 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