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    • Enterprises Risk Management (in English)
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    • Αποθετήριο Ανοικτού Πανεπιστημίου Κύπρου (Repository of the Open University of Cyprus)
    • Μεταπτυχιακές διατριβές / Master Τhesis
    • Enterprises Risk Management (in English)
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    Credit risk management for banking institutes in Europe: the use of credit guarantees in financing SMEs

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    ERM-2018-00010.pdf (927.5Kb)
    Date
    2018-05
    Author
    Pantos, Theodoros
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    Abstract
    The aim of this study is to present the use of Credit Guarantees Schemes (CGS) as a risk sharing instrument concerning the finance of EU-28 SMEs. Small and medium-sized enterprises (SMEs) are the backbone of the European economy since they represent 99% of all businesses in the EU, employ 2/3 of the total working force and produce 57% of the total value added. In order to finance their activities, SMEs rely on bank lending their main source of external finance. Moreover, they are confronted with a deteriorated lending and risk-taking capacity of banks due to tighter regulatory requirements and the banks’ accumulation of nonperforming loans. On this basis, it is recommended that CGSs are an effective instrument in financing SMEs’ needs. Both borrowers and lenders benefit when using CGSs, since the risk is shared efficiently between the actors.
    URI
    http://hdl.handle.net/11128/3823
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    • Enterprises Risk Management (in English)

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    Open University of Cyprus

    PO Box 12794,

    2252, Latsia

    Cyprus

    Tel.: +357 22 411600

    Fax.: +357 22 411601

    • Help
    • Contact Us
    • Open University of Cyprus
    • OUC Library
    • Policies
    • Accessibility and Data Protection

    Find us on:

    • FacebookFacebook
    • EU Flag
    • Republic of Cyprus
    • Structural Funds
    • e University
    • Open University of Cyprus

    The eUniversity Project is co-founded by the European Regional Development Fund and National Funds in the Programmatic Period 2007-2013