Financing and financial information of financial intermediaries   >   (CF89) - Credit Market Survey
  Financing and financial information of financial intermediaries     (CF89) - Credit Market Survey

Period: Jan-Mar 1998 - Oct-Dec 2009, Quarterly, Different Units or Measures, N-Homogeneous

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Apr-Jun 2009 Jul-Sep 2009 Oct-Dec 2009
Credit Market Survey 1/
(Percent of answers)
Total
Sources of financing
100.00 100.00 100.00
Suppliers
56.70 58.20 58.80
Commercial banks
22.50 19.70 20.00
Foreign banks
2.10 2.10 2.80
Other firms in corporation
12.10 13.60 11.90
Development banks
1.70 1.90 1.50
Parent company
3.80 2.80 2.50
Other liabilities
1.10 1.70 2.50
Firms that used bank credit
27.00 22.10 23.70
For:
Working capital
69.20 57.70 61.00
Liability restructuring
9.80 11.70 8.40
Foreign trade transactions
3.50 7.30 8.40
Investment purposes
14.00 21.20 18.80
Other purposes
3.50 2.20 3.40
Firms that did not used bank credit
73.00 77.90 76.30
Reasons (response options of previous surveys):
High interest rates
N/E N/E N/E
Demand problems for their products
N/E N/E N/E
Bank's unwillingness to lend
N/E N/E N/E
Economic uncertainty
N/E N/E N/E
Financial restructuring difficulties
N/E N/E N/E
Application rejected
N/E N/E N/E
Past-due loan portfolio
N/E N/E N/E
Market competition difficulties
N/E N/E N/E
Other
N/E N/E N/E
Reasons (new response options as percentage of fims) 4/, 5/
A rise on bank interest rates
33.77 34.90 27.90
Tighter bank credit standards
48.70 49.50 45.10
Increase on collateral required by banks
12.99 15.30 17.20
Worsening of current and/or expected economic conditions
52.60 55.00 53.20
Decline on firm product or service demand
29.22 23.24 25.60
Increasing difficulties on bank debt servicing
5.84 8.00 5.90
Other
6.82 10.10 5.90
Firms that grant some type of financing
84.40 82.90 82.80
To:
Clients
72.10 76.60 78.50
Suppliers
16.20 13.10 9.60
Other firms in corporation
11.40 10.10 11.30
Other
0.30 0.20 0.60
Average maturity of the financing granted (days)
Clients
61.00 60.00 60.00
Suppliers
42.00 42.00 41.00
Other firms in corporation
66.00 85.00 67.00
Will ask for credit in the following 3 months
58.50 60.00 57.20
Small Size 2/
Sources of financing
100.00 100.00 100.00
Suppliers
63.90 67.00 68.70
Commercial banks
20.10 14.20 17.80
Foreign banks
0.00 0.00 1.20
Other firms in corporation
9.60 14.20 8.50
Development banks
2.30 2.30 0.80
Parent company
3.70 2.30 2.30
Other liabilities
0.40 0.00 0.70
Firms that used bank credit
19.50 14.70 17.20
For:
Working capital
73.70 59.40 71.40
Liability restructuring
5.30 9.40 4.80
Foreign trade transactions
2.60 6.30 2.40
Investment purposes
15.80 21.90 16.70
Other purposes
2.60 3.00 4.70
Firms that did not used bank credit
80.50 85.30 82.80
Reasons (response options of previous surveys):
High interest rates
N/E N/E N/E
Demand problems for their products
N/E N/E N/E
Bank's unwillingness to lend
N/E N/E N/E
Economic uncertainty
N/E N/E N/E
Financial restructuring difficulties
N/E N/E N/E
Application rejected
N/E N/E N/E
Past-due loan portfolio
N/E N/E N/E
Market competition difficulties
N/E N/E N/E
Other
N/E N/E N/E
Reasons (new response options as percentage of fims) 4/, 5/
A rise on bank interest rates
34.09 37.90 28.00
Tighter bank credit standards
48.48 47.60 47.00
Increase on collateral required by banks
11.36 15.90 16.10
Worsening of current and/or expected economic conditions
50.00 57.20 54.80
Decline on firm product or service demand
31.06 27.60 29.80
Increasing difficulties on bank debt servicing
6.82 7.60 4.20
Other
3.79 8.30 5.40
Firms that grant some type of financing
82.30 81.80 82.30
To:
Clients
75.00 78.40 83.90
Suppliers
14.30 12.80 6.70
Other firms in corporation
10.10 8.80 8.80
Other
0.60 0.00 0.60
Average maturity of the financing granted (days)
Clients
53.00 45.00 48.00
Suppliers
37.00 40.00 36.00
Other firms in corporation
47.00 78.00 58.00
Will ask for credit in the following 3 months
56.10 57.60 56.70
Medium Size 2/
Sources of financing
100.00 100.00 100.00
Suppliers
55.20 54.80 55.40
Commercial banks
23.70 24.40 20.70
Foreign banks
2.10 2.70 2.70
Other firms in corporation
15.30 14.00 15.80
Development banks
1.20 2.30 2.30
Parent company
2.50 1.40 1.80
Other liabilities
0.00 0.40 1.30
Firms that used bank credit
29.10 28.00 25.20
For:
Working capital
66.70 50.70 54.40
Liability restructuring
11.70 9.90 8.80
Foreign trade transactions
5.00 9.90 8.80
Investment purposes
13.30 26.80 26.30
Other purposes
3.30 2.70 1.70
Firms that did not used bank credit
70.90 72.00 74.80
Reasons (response options of previous surveys):
High interest rates
N/E N/E N/E
Demand problems for their products
N/E N/E N/E
Bank's unwillingness to lend
N/E N/E N/E
Economic uncertainty
N/E N/E N/E
Financial restructuring difficulties
N/E N/E N/E
Application rejected
N/E N/E N/E
Past-due loan portfolio
N/E N/E N/E
Market competition difficulties
N/E N/E N/E
Other
N/E N/E N/E
Reasons (new response options as percentage of fims) 4/, 5/
A rise on bank interest rates
37.50 34.30 25.70
Tighter bank credit standards
53.57 54.63 46.90
Increase on collateral required by banks
13.39 13.90 20.40
Worsening of current and/or expected economic conditions
61.61 56.50 55.80
Decline on firm product or service demand
33.93 22.20 23.90
Increasing difficulties on bank debt servicing
6.25 4.60 7.10
Other
5.36 12.00 5.30
Firms that grant some type of financing
89.20 86.00 86.80
To:
Clients
71.40 76.10 75.30
Suppliers
17.50 14.10 10.80
Other firms in corporation
11.10 9.80 13.30
Other
0.00 0.00 0.60
Average maturity of the financing granted(days)
Clients
63.00 62.00 63.00
Suppliers
43.00 42.00 36.00
Other firms in corporation
93.00 83.00 73.00
Will ask for credit in the following 3 months
61.40 64.70 62.90
Large Size 2/
Sources of financing
100.00 100.00 100.00
Suppliers
48.10 50.40 49.60
Commercial banks
24.80 21.20 24.10
Foreign banks
5.40 3.50 2.90
Other firms in corporation
10.10 11.50 11.70
Development banks
1.60 0.90 1.50
Parent company
7.00 6.30 3.60
Other liabilities
3.00 6.20 6.60
Firms that used bank credit
36.80 25.90 31.30
For:
Working capital
74.40 66.70 64.40
Liability restructuring
7.70 20.00 13.30
Foreign trade transactions
2.60 3.30 11.10
Investment purposes
12.80 10.00 8.90
Other purposes
2.50 0.00 2.30
Firms that did not used bank credit
63.20 74.10 68.70
Reasons (response options of previous surveys):
High interest rates
N/E N/E N/E
Demand problems for their products
N/E N/E N/E
Bank's unwillingness to lend
N/E N/E N/E
Economic uncertainty
N/E N/E N/E
Financial restructuring difficulties
N/E N/E N/E
Application rejected
N/E N/E N/E
Past-due loan portfolio
N/E N/E N/E
Market competition difficulties
N/E N/E N/E
Other
N/E N/E N/E
Reasons (new response options as percentage of fims) 4/, 5/
A rise on bank interest rates
25.45 28.60 33.30
Tighter bank credit standards
40.00 49.20 40.90
Increase on collateral required by banks
18.18 17.50 16.70
Worsening of current and/or expected economic conditions
41.82 50.80 50.00
Decline on firm product or service demand
18.18 15.90 21.20
Increasing difficulties on bank debt servicing
3.64 15.90 9.10
Other
12.73 9.50 6.10
Firms that grant some type of financing
82.80 82.40 82.30
To:
Clients
71.00 76.10 73.70
Suppliers
15.10 11.40 12.10
Other firms in corporation
13.90 11.40 14.20
Other
0.00 1.10 0.00
Average maturity of the financing granted(days)
Clients
75.00 90.00 85.00
Suppliers
41.00 45.00 52.00
Other firms in corporation
53.00 76.00 66.00
Will ask for credit in the following 3 months
59.80 56.50 51.00
AAA Size 2/
Sources of financing
100.00 100.00 100.00
Suppliers
50.00 45.50 39.30
Commercial banks
18.80 18.20 14.30
Foreign banks
6.30 9.10 17.90
Other firms in corporation
12.50 13.60 14.30
Development banks
0.00 0.00 3.60
Parent company
0.00 4.50 3.60
Other liabilities
12.40 9.10 7.00
Firms that used bank credit
30.80 26.70 46.70
For:
Working capital
33.30 100.00 40.00
Liability restructuring
33.30 0.00 0.00
Foreign trade transactions
0.00 0.00 20.00
Investment purposes
16.70 0.00 30.00
Other purposes
16.70 0.00 10.00
Firms that did not used bank credit
69.20 73.30 53.30
Reasons (response options of previous surveys):
High interest rates
N/E N/E N/E
Demand problems for their products
N/E N/E N/E
Bank's unwillingness to lend
N/E N/E N/E
Economic uncertainty
N/E N/E N/E