SISTEMA DE INFORMACIÓN ECONÓMICA

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Credit Market Survey - (CF89)

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

Jan-Mar 1998 - Oct-Dec 2009

Quarterly

Different Units or Measures

N-Homogeneous

Export:

Analysis:

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