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Colombia - Bank financing to small- and medium-sized enterprises (SMEs) in Colombia : Colombia - Financiamiento bancario para las pequenas y medianas empresas (Pyme) (Espanhol)

Small-and Medium-Sized Enterprises (SMEs) represent an important part of the Colombian economy, although they are not well documented in official statistics. In particular, there does not exist sufficient periodic data as to their characteristics, evolution, or overall contribution to the economy - in most cases, SMEs tend to be bundled together with micro enterprises in official statistics. The true size of the market is understated due to informality. Lack of access to finance has been cited as an important problem in recent surveys. However, there are significant differences in perceptions as to the size and causes of the financing gap. While there is strong evidence to support its existence following the 1999 crisis, the significant growth of this market in recent years raises some questions as to whether such perceptions remain valid. One of the lessons of the last few years is that banks will expand SME lending on their own accord - in spite of the presence of important constraints - when they perceive the attractiveness of this market and have begun to saturate easier (in terms of business model) market segments such as corporate and consumer lending. However, in order to ensure the sustainable growth of this market, continued strong macroeconomic performance and a stable and consistent policy framework in the financial sector have been identified as important considerations.


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    Outro estudo sobre o setor financeiro

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    América Latina e Caribe,

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    Colombia - Financiamiento bancario para las pequenas y medianas empresas (Pyme)

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    absence of credit, acceptable collateral, access to credit, access to finance, access to financial services, accounting, accounts receivable, agricultural sector, alternative financing, alternative sources of financing, assessment process, availability of credit, balance sheet, bank branches, bank deposit, Bank Financing, bank involvement, bank lending, banking services, banking system, bankruptcy, Banks, borrower, borrowing, business activities, business activity, business center, business centers, Business credit, business development, Business Enterprise, business plan, business plans, business strategy, calculation, capital markets, capital structure, cash flow, cash management, Chambers of Commerce, Collateral, Collateral Requirements, commercial bank, commercial finance, commercial loan, consumer, consumer credit, consumer lending, consumer loans, contract enforcement, contribution, country Comparisons, credit analysis, credit applications, credit bureau, credit bureaus, credit card, credit cards, credit guarantees, Credit Information, credit institution, credit institutions, credit lines, credit market, credit markets, credit portfolio, credit products, credit ratings, credit records, credit reporting, credit reports, Credit Risk, credit scoring, credit scoring models, creditor, creditors, credits, creditworthiness, cs, current interest rate, debts, deposit accounts, depositor, depositors, deposits, diversification, Domestic Credit, durable goods, economic growth, employment, Enterprise Assistance, entrepreneurial development, entrepreneurial training, external finance, factoring, Family businesses, Finance Companies, financial access, financial analysis, financial constraints, financial information, financial institution, financial institutions, financial instruments, financial intermediaries, financial intermediation, financial literacy, financial markets, financial penetration, financial performance, financial policy, financial providers, financial resources, financial sector, financial sector policy, Financial Sector Regulations, financial structure, financial system, financial transactions, financing obstacles, foreign banks, foreign currency, government assistance, households, indebtedness, inflation, informal economy, information gap, information technology, interest payments, Interest Rate, Interest Rate Ceiling, interest rate ceilings, interest rates, international banks, labor force, Lack of access, large firms, legal framework, legislation, lender, lenders, liability, limited access, lines of credit, Loan, loan approval, loan decision, loan portfolio, loan processing, loan product, Loan products, loan recovery, loan size, long-term borrowing, low-income, macroeconomic performance, macroeconomic stability, major banks, market shares, maturities, micro credit, micro enterprise, micro enterprises, micro-enterprise, microcredit, monetary policy, mortgages, multinational, outreach, overdraft, overdue debt, partial credit, payment behavior, payment history, payment services, private banks, private credit, probability, profitability, property as collateral, Public Policy, questionnaire, questionnaires, real estate, reliance on collateral, repayment, reserve requirements, responsibilities, risk assessment, risk assessments, Risk Management, salaries, sale, Sales, savings account, small banks, Small Enterprise, small loans, smaller firms, social security, social security contributions, social security payment, source of information, special savings, stakeholder, Stakeholders, supply of credit, Support Programs, taxation, technical assistance, traditional banking, training programs, transaction, transaction costs, type of loan, types of loans, unfair competition, valuable, warehouses, working capital, worth



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