Bank Lending to Small and Medium Enterprises : The Republic of Serbia

World Bank

Washington, DC

关键词: ACCEPTABLE COLLATERAL;    ACCESS POINTS;    ACCESS TO BANKING;    ACCESS TO BANKING SERVICES;    ACCESS TO CREDIT;   

RP-ID  :  70355

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

This report presents findings of a studyof Bank lending to small and medium enterprises (SME) inSerbia. The study uses methodology developed by the Bankand already used in a number of studies in South America.The study is based on answers to standard questionnaires anddetailed on-site interviews with eight banks. Theinterviewed banks are the most active in SME lending inSerbia and account for about 70 percent of the total market.Banks are currently offering a fairly broad range of bothtailored and standardized products and are increasinglyflexible with product pricing. This includes checking,savings and time deposit accounts; export and import loans;overdrafts for working capital and investment loans;business credit cards; various types of payment services;Internet and phone banking. The report is organized asfollows: section two describes the banking sector andmarkets in Serbia, reviews definition of SMEs and provideskey characteristics of the SME finance market in Serbia.Section three discusses details of SME access to finance. Itdescribes the drivers and obstacles, government programs,and characteristics of the market environment. Section fourfocuses on how banks engage in lending to SMEs, describingtheir business models and their risk management. Sectionfive provides a number of conclusions on the conditions ofaccess and future trends.