Abstract
The sustainability and growth of Small and Medium Enterprises is essential for the success and growth of all economies. One of the major impediments to SME growth and survival though is access to debt finance. This paper reports the findings of an empirical study into the factors which influence the decision to lend to SMEs. We surveying bank lending officers and find that SME characteristics including industry, size, age, legal status, use of professional advisory service firms, use of performance measures as well as planning, human resource and innovation measures are important factors considered in the decision to lend to SMEs. Awareness of the importance of these factors can assist borrowers to be able to access debt finance.
Original language | English |
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Title of host publication | Proceeding for the 29th Australasian Finance and Banking Conference |
Place of Publication | Sydney, Australia |
Publisher | Institute of Global Finance |
Number of pages | 37 |
ISBN (Electronic) | 9780987312785 |
Publication status | Published - 2016 |
Event | 29th Australasian Finance and Banking Conference - Shangri-La Hotel, Sydney, Sydney, Australia Duration: 14 Dec 2016 → 16 Dec 2016 https://web.archive.org/web/20160519174712/https://www.business.unsw.edu.au/about/schools/banking-finance/seminars-conferences/australasian-finance-banking-conference (Conference website) https://www.unsw.edu.au/content/dam/pdfs/unsw-adobe-websites/business-school/banking-finance/news-events/2021-09-busines-banking-29th-AFBC-Program.pdf (Conference program) |
Conference
Conference | 29th Australasian Finance and Banking Conference |
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Country/Territory | Australia |
City | Sydney |
Period | 14/12/16 → 16/12/16 |
Other | The AFBC is the most prestigious finance conference in the Asia-Pacific region. It brings together the world's foremost leaders of thought from the financial community, providing international academics and industry professionals with the opportunity to meet and share their research and interest in finance-related fields. The Conference Committee would like to invite all academics and practitioners to participate. |
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