Sistema de Información Económica

Credit Market Survey - (CF471)

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

Jan-Mar 2009 - Apr-Jun 2019

Quarterly

Different Units or Measures

N-Homogeneous

Export:

Analysis:

My series (0)



+ Open all
Oct-Dec 2018 Jan-Mar 2019 Apr-Jun 2019
Credit Market Survey 1/
(Percent of firms)
- All the firms
- Total Financing
+ Firms that use some type of financing: 4/
87.10 86.50 85.40
+ Sources of financing: 2/
Suppliers
80.60 76.90 78.50
Commercial banks
31.50 32.20 35.50
Foreign banks
4.80 5.70 6.50
Other firms in corporation/parent company
19.50 19.50 20.10
Other firms in corporation
N/E N/E N/E
Development banks
4.40 4.30 5.70
Parent company
N/E N/E N/E
Debt issue
2.10 1.80 1.20
+ Firms that grant some type of financing: 4/
82.30 82.00 80.00
+ To: 2/
Clients
81.30 79.90 77.60
Suppliers
13.70 13.50 12.80
Other firms in corporation
12.80 12.20 10.90
Other
0.50 0.30 0.30
+ Average maturity of the financing granted (days)
Clients
60.00 61.00 62.00
Suppliers
48.00 52.00 53.00
Other firms in corporation
73.00 75.00 79.00
Firms that will ask for bank credit in the next quarter: 4/
31.90 35.90 34.20
- Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
45.30 49.90 47.80
+ Firms that use new bank credit: 4/
25.10 21.40 24.80
+ For: 2/
Working capital
74.10 83.10 76.10
Liability restructuring
14.20 17.00 16.50
Foreign trade transactions
1.00 5.30 1.10
Investment purposes
19.80 15.90 19.60
Other purposes
4.80 1.70 3.10
+ Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
56.00 52.70 48.50
Maturities available
54.60 51.10 50.60
Collateral Requirements
44.60 43.90 47.10
Time resolution for the credit
49.50 49.60 47.30
Troubles for refinancing loans
49.80 50.30 49.50
Other conditions requested by banks
44.00 40.90 44.70
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
28.90 39.80 36.10
Fees and other expenses
42.40 47.40 42.20
+ Firms that not use new bank credit: 4/
74.90 78.60 75.20
Requested and is in the process of authorization
2.50 2.90 2.50
Requested and was denied
1.70 0.70 1.00
Requested but rejected it because it was too expensive
0.10 0.00 0.30
Not requested
70.60 75.00 71.30
+ 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 49.80 55.70
Access to government support
33.80 37.90 37.70
Sales and profitability of your business
36.10 41.80 41.10
Capitalization of your company
32.20 35.40 33.00
Business credit history
25.50 28.80 29.20
Willingness of banks to lend
34.00 39.60 35.00
Difficulties in servicing of existing bank debt
29.50 28.90 26.40
Market interest rates of bank credit
48.90 49.30 45.20
Conditions of access to bank credit
40.30 43.90 40.60
Amounts required as collateral to access bank financing
45.00 44.00 43.90
+ All the firms:
+ The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
17.60 17.90 19.80
Important
25.90 28.10 26.00
Not important
56.50 54.00 54.20
- Firms with up to 100 workers
- Total Financing
+ Firms that use some type of financing: 4/
85.00 83.10 80.80
+ Sources of financing: 2/
Suppliers
80.70 71.60 77.00
Commercial banks
18.00 19.40 24.00
Foreign banks
0.40 3.00 2.60
Other firms in corporation/parent company
16.60 14.00 12.40
Other firms in corporation
N/E N/E N/E
Development banks
0.00 2.70 1.80
Parent company
N/E N/E N/E
Debt issue
0.00 0.40 0.00
+ Firms that grant some type of financing: 4/
79.70 80.90 77.90
+ To: 2/
Clients
79.50 79.30 77.00
Suppliers
9.90 10.10 4.90
Other firms in corporation
7.40 8.50 7.80
Other
0.00 0.00 0.10
+ Average maturity of the financing granted (days)
Clients
54.00 56.00 53.00
Suppliers
41.00 39.00 54.00
Other firms in corporation
62.00 63.00 88.00
Firms that will ask for bank credit in the next quarter: 4/
20.80 24.00 23.10
- Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
33.10 39.50 36.60
+ Firms that use new bank credit: 4/
14.70 10.10 15.80
+ For: 2/
Working capital
53.80 67.40 92.40
Liability restructuring
0.00 23.20 16.90
Foreign trade transactions
0.00 0.00 0.00
Investment purposes
13.50 8.10 4.20
Other purposes
21.00 0.40 6.20
+ Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
58.10 60.50 51.40
Maturities available
52.00 56.20 48.40
Collateral Requirements
43.70 46.10 50.40
Time resolution for the credit
44.60 58.80 50.50
Troubles for refinancing loans
49.40 65.90 51.10
Other conditions requested by banks
44.40 48.50 49.10
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
23.20 35.10 28.60
Fees and other expenses
34.20 57.20 44.40
+ Firms that not use new bank credit: 4/
85.30 89.90 84.20
Requested and is in the process of authorization
1.40 1.70 1.10
Requested and was denied
3.00 1.20 1.00
Requested but rejected it because it was too expensive
0.10 0.00 0.10
Not requested
80.80 87.00 82.10
+ 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
50.80 54.20 58.00
Access to government support
35.90 42.50 41.40
Sales and profitability of your business
41.70 46.70 49.30
Capitalization of your company
32.10 40.20 40.10
Business credit history
29.90 31.30 33.50
Willingness of banks to lend
33.80 43.10 38.00
Difficulties in servicing of existing bank debt
32.90 34.00 30.40
Market interest rates of bank credit
50.20 52.10 51.80
Conditions of access to bank credit
39.90 45.50 45.90
Amounts required as collateral to access bank financing
46.20 46.10 48.40
+ All the firms:
+ The conditions of access and cost of bank credit market as a constraint for the operation of your business:
Very important
21.60 17.00 17.10
Important
22.40 29.60 27.50
Not important
55.90 53.40 55.40
- Firms with more that 100 workers
- Total Financing
+ Firms that use some type of financing: 4/
88.30 88.50 88.10
+ Sources of financing: 2/
Suppliers
80.50 80.10 79.30
Commercial banks
39.50 39.80 42.30
Foreign banks
7.40 7.30 8.80
Other firms in corporation/parent company
21.10 22.80 24.70
Other firms in corporation
N/E N/E N/E
Development banks
7.00 5.30 8.10
Parent company
N/E N/E N/E
Debt issue
3.30 2.50 1.90
+ Firms that grant some type of financing: 4/
83.90 82.70 81.20
+ To: 2/
Clients
82.40 80.20 78.00
Suppliers
16.00 15.50 17.60
Other firms in corporation
15.90 14.30 12.70
Other
0.80 0.50 0.40
+ Average maturity of the financing granted (days)
Clients
63.00 64.00 67.00
Suppliers
51.00 56.00 53.00
Other firms in corporation
76.00 79.00 75.00
Firms that will ask for bank credit in the next quarter: 4/
38.40 43.00 40.90
- Bank Credit Market 3/
Firms with bank indebtedness at the beginning of the quarter:
52.60 56.10 54.40
+ Firms that use new bank credit: 4/
31.40 28.20 30.20
+ For: 2/
Working capital
79.70 86.40 71.00
Liability restructuring
18.20 15.70 16.40
Foreign trade transactions
1.30 6.50 1.40
Investment purposes
21.60 17.60 24.40
Other purposes
0.30 2.00 2.10
+ Perception about conditions of access to bank credit:
Diffusion index 5/
Amounts offered
55.50 51.10 47.70
Maturities available
55.20 50.00 51.20
Collateral Requirements
44.80 43.40 46.10
Time resolution for the credit
50.80 47.60 46.30
Troubles for refinancing loans
50.00 47.00 49.00
Other conditions requested by banks
43.80 39.10 43.40
+ Perception about conditions of the bank credit cost:
Diffusion index 6/
Bank interest rates
30.40 40.80 38.30
Fees and other expenses
44.50 45.30 41.50
+ Firms that not use new bank credit: 4/
68.60 71.80 69.80
Requested and is in the process of authorization
3.10 3.60 3.30
Requested and was denied
0.90 0.40 1.00
Requested but rejected it because it was too expensive
0.10 0.00 0.50
Not requested
64.50 67.90 64.90
+ 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