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 - Oct-Dec 2017, Quarterly, Different Units or Measures, N-Homogeneous

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Period: - Orientation:
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Apr-Jun 2017 Jul-Sep 2017 Oct-Dec 2017
Credit Market Survey 1/
(Percent of firms)
All the firms
Total Financing
Firms that use some type of financing: 4/
82.80 85.10 83.40
Sources of financing: 2/
Suppliers
74.60 76.50 73.50
Commercial banks
36.00 34.10 35.50
Foreign banks
5.70 5.70 5.60
Other firms in corporation/parent company
17.60 18.60 17.50
Other firms in corporation
N/E N/E N/E
Development banks
6.20 6.30 6.30
Parent company
N/E N/E N/E
Debt issue
2.50 2.10 2.30
Firms that grant some type of financing: 4/
78.40 81.30 81.80
To: 2/
Clients
76.30 78.90 80.30
Suppliers
16.40 13.70 17.60
Other firms in corporation
12.90 9.30 9.80
Other
0.20 0.40 0.40
Average maturity of the financing granted (days)
Clients
59.00 61.00 59.00
Suppliers
51.00 54.00 51.00
Other firms in corporation
66.00 60.00 59.00
Firms that will ask for bank credit in the next quarter: 4/
34.60 34.50 32.30
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
47.90 47.70 42.90
Firms that use new bank credit: 4/
27.00 24.00 22.50
For: 2/
Working capital
80.50 80.30 83.70
Liability restructuring
13.90 15.00 14.10
Foreign trade transactions
0.80 0.10 1.40
Investment purposes
22.10 13.30 12.80
Other purposes
5.50 0.30 0.80
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
47.80 57.10 51.80
Maturities available
53.30 59.10 50.90
Collateral Requirements
44.60 49.30 43.10
Time resolution for the credit
44.10 46.00 46.20
Troubles for refinancing loans
45.30 53.00 50.40
Other conditions requested by banks
41.10 45.40 41.40
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
15.80 26.70 29.60
Fees and other expenses
35.20 41.80 41.00
Firms that not use new bank credit: 4/
73.00 76.00 77.50
Requested and is in the process of authorization
2.70 1.20 1.50
Requested and was denied
1.30 1.50 1.30
Requested but rejected it because it was too expensive
0.40 0.10 0.00
Not requested
68.70 73.10 74.70
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
50.20 44.30 42.10
Access to government support
42.30 37.80 31.80
Sales and profitability of your business
39.90 35.80 33.70
Capitalization of your company
39.20 32.10 27.60
Business credit history
23.90 21.20 23.20
Willingness of banks to lend
38.30 35.20 34.20
Difficulties in servicing of existing bank debt
29.40 25.50 22.60
Market interest rates of bank credit
51.70 44.30 41.10
Conditions of access to bank credit
45.50 38.90 34.70
Amounts required as collateral to access bank financing
49.30 35.10 35.60
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
17.50 16.70 15.60
Important
31.50 29.90 30.80
Not important
51.00 53.40 53.70
Firms with up to 100 workers
Total Financing
Firms that use some type of financing: 4/
80.30 81.50 81.20
Sources of financing: 2/
Suppliers
74.80 72.90 72.90
Commercial banks
23.50 26.00 25.30
Foreign banks
0.50 2.70 2.90
Other firms in corporation/parent company
13.60 11.20 11.70
Other firms in corporation
N/E N/E N/E
Development banks
1.20 0.50 2.20
Parent company
N/E N/E N/E
Debt issue
0.00 0.00 0.00
Firms that grant some type of financing: 4/
74.50 79.20 80.40
To: 2/
Clients
73.40 78.00 78.90
Suppliers
11.70 10.20 11.90
Other firms in corporation
7.40 6.00 6.00
Other
0.00 0.00 0.00
Average maturity of the financing granted (days)
Clients
48.00 49.00 46.00
Suppliers
44.00 48.00 45.00
Other firms in corporation
67.00 60.00 43.00
Firms that will ask for bank credit in the next quarter: 4/
23.60 21.00 22.10
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
38.10 40.90 33.30
Firms that use new bank credit: 4/
13.50 13.10 17.00
For: 2/
Working capital
84.00 88.50 86.20
Liability restructuring
0.60 3.70 9.80
Foreign trade transactions
0.00 0.00 0.00
Investment purposes
13.70 4.10 7.00
Other purposes
6.10 0.40 0.90
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
37.30 53.90 48.20
Maturities available
50.50 66.30 48.80
Collateral Requirements
46.60 47.90 38.10
Time resolution for the credit
37.30 51.60 60.70
Troubles for refinancing loans
38.90 51.60 60.70
Other conditions requested by banks
39.50 47.60 47.40
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
12.00 30.60 23.50
Fees and other expenses
31.60 34.40 32.50
Firms that not use new bank credit: 4/
86.50 86.90 83.00
Requested and is in the process of authorization
2.50 1.40 1.60
Requested and was denied
1.00 0.60 0.90
Requested but rejected it because it was too expensive
0.90 0.30 0.00
Not requested
82.00 84.50 80.50
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
48.40 49.50 48.90
Access to government support
40.30 41.30 38.00
Sales and profitability of your business
38.50 42.00 41.80
Capitalization of your company
36.20 34.50 34.90
Business credit history
23.00 23.40 29.10
Willingness of banks to lend
37.40 38.80 39.70
Difficulties in servicing of existing bank debt
30.20 26.60 32.30
Market interest rates of bank credit
54.20 49.20 50.40
Conditions of access to bank credit
47.00 42.80 40.70
Amounts required as collateral to access bank financing
49.50 38.10 41.00
All the firms:
The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
18.40 17.00 18.30
Important
31.90 33.30 33.10
Not important
49.70 49.70 48.50
Firms with more that 100 workers
Total Financing
Firms that use some type of financing: 4/
84.30 87.20 84.70
Sources of financing: 2/
Suppliers
74.50 78.60 73.90
Commercial banks
43.30 38.90 41.70
Foreign banks
8.70 7.50 7.10
Other firms in corporation/parent company
20.00 23.00 21.00
Other firms in corporation
N/E N/E N/E
Development banks
9.10 9.70 8.80
Parent company
N/E N/E N/E
Debt issue
4.00 3.40 3.70
Firms that grant some type of financing: 4/
80.70 82.60 82.60
To: 2/
Clients
78.10 79.50 81.20
Suppliers
19.20 15.90 21.00
Other firms in corporation
16.10 11.20 12.00
Other
0.40 0.60 0.60
Average maturity of the financing granted (days)
Clients
65.00 67.00 67.00
Suppliers
54.00 56.00 53.00
Other firms in corporation
66.00 60.00 63.00
Firms that will ask for bank credit in the next quarter: 4/
41.20 42.50 38.40
Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
53.80 51.70 48.60
Firms that use new bank credit: 4/
35.00 30.50 25.80
For: 2/
Working capital
79.70 78.10 82.70
Liability restructuring
17.00 17.90 15.80
Foreign trade transactions
1.00 0.20 1.90
Investment purposes
24.10 15.60 15.10
Other purposes
5.40 0.30 0.80
Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
49.80 57.80 53.00
Maturities available
53.80 57.60 51.70
Collateral Requirements
44.20 49.60 44.80
Time resolution for the credit
45.20 44.80 42.40
Troubles for refinancing loans
46.30 53.30 47.70
Other conditions requested by banks
41.40 44.90 39.70
Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
16.50 25.90 31.70
Fees and other expenses
35.90 43.40 43.90
Firms that not use new bank credit: 4/
65.00 69.50 74.20
Requested and is in the process of authorization
2.80 1.10 1.40
Requested and was denied
1.50 2.10 1.50
Requested but rejected it because it was too expensive
0.00 0.00 0.00
Not requested
60.70 66.30 71.20
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 40.40 37.60
Access to government support
44.00 35.20 27.60
Sales and profitability of your business
41.00 31.20 28.30
Capitalization of your company
41.50 30.40 22.90
Business credit history
24.50 19.60 19.30
Willingness of banks to lend
39.00 32.50 30.50
Difficulties in servicing of existing bank debt
28.80 24.70 16.20
Market interest rates of bank credit
49.80 40.60 34.80