Abstract

MENDIZABAL, Alaitz  and  LERTXUNDI, Aitziber. Financial crisis, credit rationing and banking relationship of the Spanish SME. Cuad. Adm. [online]. 2015, vol.28, n.50, pp.39-59. ISSN 0120-3592.  https://doi.org/10.11144/Javeriana.cao28-50.cfrc.

This article studies the SME banking relationship and the credit rationing in the context of the current financial crisis. In this approach the development of both concepts during the crisis is analyzed, as well as the significance of their variations, applying the Test for Equal Means. In this context ofthe crisis results show, on one hand, a significant increase in credit rationing and the number of banking relationships, and, on the other hand, a decrease in the level of trust in banks. It is suggested that further studies analyze the development ofthe incidence of banking relationship on credit rationing during the crisis

Keywords : credit rationing; banking relationship; SME.

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