El desánimo del prestatario en una economía dominada por los bancosevidencia empírica para PYME españolas

  1. Ana Mol-Gómez-Vázquez 1
  2. Ginés Hernández Cánovas 2
  3. Camino Ramón-Llorens 2
  1. 1 Universidad de Almería
    info

    Universidad de Almería

    Almería, España

    ROR https://ror.org/003d3xx08

  2. 2 Universidad Politécnica de Cartagena
    info

    Universidad Politécnica de Cartagena

    Cartagena, España

    ROR https://ror.org/02k5kx966

Journal:
Universia Business Review

ISSN: 1698-5117

Year of publication: 2018

Issue: 57

Pages: 144-162

Type: Article

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More publications in: Universia Business Review

Abstract

Este trabajo analiza los factores explicativos del desánimo del prestatario en una muestra de PYME que operan en una economía dominada por los bancos. Los resultados muestran que elevadas asimetrías informativas y costes de solicitud del préstamo incrementan la probabilidad del desánimo del prestatario entre las empresas más pequeñas y aquellas que trabajan con menos bancos. También mostramos que es menos probable que empresas cuyos gerentes muestren una actitud proactiva hacia el crecimiento y la mejora del negocio se desanimen a solicitar un préstamo

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Data source: Dialnet