Titlebook: Determinants of Bank Involvement with SMEs; A Survey of Demand-S Victor U. Ekpu Book 2016 The Author(s) 2016 Banking.SME.Bank Lending.Bank

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The Post-Newtonian Approximationgs from this chapter reveal that the determinants of risk premium on SME loans are largely connected with factors that underline the opacity and riskiness of SMEs and are also connected with lender factors such as cost of funds and administrative expenses associated with loan appraisal and disbursem

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https://doi.org/10.1007/978-3-662-11827-6o summarises the main points in theoretical and empirical literature on the demand side and supply side factors affecting bank involvement with SMEs. Next, the chapter summarises the main results on the determination of loan contract terms, particularly the risk premium on SME loans and collateral.

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The Post-Newtonian Approximationl. The first half of this chapter presents the solution of the model under perfect information and then under asymmetric information. The second half of the chapter provides some tools that are used today by banks to help solve the problem of adverse selection and moral hazard.

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https://doi.org/10.1007/978-3-662-11827-6Next, the chapter summarises the main results on the determination of loan contract terms, particularly the risk premium on SME loans and collateral. Finally, the chapter concludes by providing some practical implications of the study for economic policy makers, bankers and bank-dependent borrowers.

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Theoretical Views on Money Creation and Credit Rationingnous money theory. The second debate relates to the theory of credit rationing, that is, the information asymmetry versus asymmetric expectations theories. These theories help to lay the contextual background for the determination of credit availability and loan contracts for SMEs.

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Conclusions and Practical ImplicationsNext, the chapter summarises the main results on the determination of loan contract terms, particularly the risk premium on SME loans and collateral. Finally, the chapter concludes by providing some practical implications of the study for economic policy makers, bankers and bank-dependent borrowers.