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Archive » February 2019 » New credit paradigms in bank-firm relationships: the case of Veneto

New credit paradigms in bank-firm relationships: the case of Veneto

Caterina Cruciani, Antonio Proto, Ugo Rigoni, Giorgia Simion
February 2019 - n. 2
Keywords: Banche, imprese, credito, Veneto
Jel codes: G21, G28

Banks play a decisive role in financing enterprises, especially Smes, and in supporting economy. In this context, the credit model based on relationship lending needs significant changes both in terms of supply and demand. The results of a survey carried out on lending in Veneto Region help to understand the evolution and perspectives of the new credit models which involve firms in providing qualitative and forward-looking information and banks in increasing information and transparency concerning the evaluation and pricing process of the loans.

 

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