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 - Apr-Jun 2017, Quarterly, Different Units or Measures, N-Homogeneous

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Period: - Orientation:
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Oct-Dec 2016 Jan-Mar 2017 Apr-Jun 2017
Credit Market Survey 1/
(Percent of firms)
All the firms
Total Financing
Firms that use some type of financing: 4/
85.30 84.50 82.80
Sources of financing: 2/
Suppliers
76.80 75.90 74.60
Commercial banks
38.50 36.50 36.00
Foreign banks
5.90 5.30 5.70
Other firms in corporation/parent company
20.70 18.80 17.60
Other firms in corporation
N/E N/E N/E
Development banks
5.60 5.10 6.20
Parent company
N/E N/E N/E
Debt issue
0.40 1.30 2.50
Firms that grant some type of financing: 4/
80.30 80.60 78.40
To: 2/
Clients
77.70 78.10 76.30
Suppliers
14.70 13.30 16.40
Other firms in corporation
15.40 11.30 12.90
Other
0.40 0.40 0.20
Average maturity of the financing granted (days)
Clients
60.00 58.00 59.00
Suppliers
49.00 50.00 51.00
Other firms in corporation
61.00 66.00 66.00
Firms that will ask for bank credit in the next quarter: 4/
38.00 38.00 34.60
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
49.80 47.60 47.90
Firms that use new bank credit: 4/
25.90 22.60 27.00
For: 2/
Working capital
75.50 80.10 80.50
Liability restructuring
11.30 17.70 13.90
Foreign trade transactions
0.50 3.20 0.80
Investment purposes
21.80 15.60 22.10
Other purposes
2.10 0.60 5.50
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
53.40 52.00 47.80
Maturities available
44.90 53.00 53.30
Collateral Requirements
42.30 44.70 44.60
Time resolution for the credit
40.00 43.90 44.10
Troubles for refinancing loans
47.20 48.90 45.30
Other conditions requested by banks
45.60 43.10 41.10
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
17.80 21.20 15.80
Fees and other expenses
30.20 32.80 35.20
Firms that not use new bank credit: 4/
74.10 77.40 73.00
Requested and is in the process of authorization
1.70 3.60 2.70
Requested and was denied
1.70 1.50 1.30
Requested but rejected it because it was too expensive
0.00 0.60 0.40
Not requested
70.80 71.70 68.70
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
49.80 51.60 50.20
Access to government support
36.30 43.80 42.30
Sales and profitability of your business
40.60 43.40 39.90
Capitalization of your company
39.10 43.20 39.20
Business credit history
26.20 29.40 23.90
Willingness of banks to lend
42.40 43.50 38.30
Difficulties in servicing of existing bank debt
35.90 36.50 29.40
Market interest rates of bank credit
53.00 54.80 51.70
Conditions of access to bank credit
47.60 46.50 45.50
Amounts required as collateral to access bank financing
46.40 48.50 49.30
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
19.60 16.20 17.50
Important
27.10 30.40 31.50
Not important
53.30 53.30 51.00
Firms with up to 100 workers
Total Financing
Firms that use some type of financing: 4/
83.30 81.20 80.30
Sources of financing: 2/
Suppliers
77.10 72.90 74.80
Commercial banks
29.40 27.50 23.50
Foreign banks
0.90 1.90 0.50
Other firms in corporation/parent company
16.60 14.00 13.60
Other firms in corporation
N/E N/E N/E
Development banks
0.80 0.00 1.20
Parent company
N/E N/E N/E
Debt issue
0.00 0.00 0.00
Firms that grant some type of financing: 4/
76.90 75.80 74.50
To: 2/
Clients
75.00 74.40 73.40
Suppliers
7.40 7.40 11.70
Other firms in corporation
11.20 6.80 7.40
Other
0.10 0.00 0.00
Average maturity of the financing granted (days)
Clients
46.00 48.00 48.00
Suppliers
44.00 44.00 44.00
Other firms in corporation
73.00 69.00 67.00
Firms that will ask for bank credit in the next quarter: 4/
25.20 23.20 23.60
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
43.10 39.80 38.10
Firms that use new bank credit: 4/
20.30 14.00 13.50
For: 2/
Working capital
70.00 74.50 84.00
Liability restructuring
14.40 16.70 0.60
Foreign trade transactions
1.60 3.10 0.00
Investment purposes
17.30 14.50 13.70
Other purposes
2.70 1.80 6.10
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
57.70 46.30 37.30
Maturities available
52.70 57.30 50.50
Collateral Requirements
44.90 42.30 46.60
Time resolution for the credit
54.10 54.80 37.30
Troubles for refinancing loans
54.70 57.60 38.90
Other conditions requested by banks
57.20 52.20 39.50
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
16.40 17.90 12.00
Fees and other expenses
30.10 31.60 31.60
Firms that not use new bank credit: 4/
79.70 86.00 86.50
Requested and is in the process of authorization
1.40 2.50 2.50
Requested and was denied
1.50 1.30 1.00
Requested but rejected it because it was too expensive
0.00 1.10 0.90
Not requested
76.80 81.20 82.00
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
56.00 53.20 48.40
Access to government support
40.40 48.50 40.30
Sales and profitability of your business
50.20 47.20 38.50
Capitalization of your company
46.90 47.10 36.20
Business credit history
31.10 31.70 23.00
Willingness of banks to lend
44.30 47.10 37.40
Difficulties in servicing of existing bank debt
39.40 43.20 30.20
Market interest rates of bank credit
57.10 63.80 54.20
Conditions of access to bank credit
51.20 52.30 47.00
Amounts required as collateral to access bank financing
50.40 55.30 49.50
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
18.70 19.90 18.40
Important
28.90 31.40 31.90
Not important
52.40 48.70 49.70
Firms with more that 100 workers
Total Financing
Firms that use some type of financing: 4/
86.40 86.40 84.30
Sources of financing: 2/
Suppliers
76.60 77.70 74.50
Commercial banks
43.90 41.80 43.30
Foreign banks
8.90 7.30 8.70
Other firms in corporation/parent company
23.20 21.60 20.00
Other firms in corporation
N/E N/E N/E
Development banks
8.50 8.10 9.10
Parent company
N/E N/E N/E
Debt issue
0.60 2.10 4.00
Firms that grant some type of financing: 4/
82.40 83.50 80.70
To: 2/
Clients
79.30 80.30 78.10
Suppliers
19.00 16.90 19.20
Other firms in corporation
17.90 14.00 16.10
Other
0.50 0.70 0.40
Average maturity of the financing granted (days)
Clients
68.00 65.00 65.00
Suppliers
50.00 52.00 54.00
Other firms in corporation
56.00 66.00 66.00
Firms that will ask for bank credit in the next quarter: 4/
45.60 46.80 41.20
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
53.80 52.20 53.80
Firms that use new bank credit: 4/
29.20 27.70 35.00
For: 2/
Working capital
77.80 81.80 79.70
Liability restructuring
10.00 18.00 17.00
Foreign trade transactions
0.00 3.20 1.00
Investment purposes
23.60 16.00 24.10
Other purposes
1.90 0.20 5.40
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
51.80 53.40 49.80
Maturities available
42.00 51.80 53.80
Collateral Requirements
41.30 45.30 44.20
Time resolution for the credit
34.70 41.20 45.20
Troubles for refinancing loans
44.30 46.70 46.30
Other conditions requested by banks
40.70 40.70 41.40
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
18.30 22.10 16.50
Fees and other expenses
30.30 33.20 35.90
Firms that not use new bank credit: 4/
70.80 72.30 65.00
Requested and is in the process of authorization
1.90 4.30 2.80
Requested and was denied
1.80 1.60 1.50
Requested but rejected it because it was too expensive
0.00 0.40 0.00
Not requested
67.20 66.10 60.70
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
45.70 50.50 51.60
Access to government support
33.50 40.50 44.00
Sales and profitability of your business
34.20 40.70 41.00
Capitalization of your company
33.90 40.50 41.50
Business credit history
22.90 27.90 24.50
Willingness of banks to lend
41.20 40.90 39.00
Difficulties in servicing of existing bank debt
33.50 31.80 28.80
Market interest rates of bank credit
50.30