Bank Lending to Small and Medium Enterprises : The Republic of Serbia

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dc.creatorWorld Bank
dc.date2013-03-18T20:37:44Z
dc.date2013-03-18T20:37:44Z
dc.date2012-01
dc.date.accessioned2026-07-01T01:02:17Z
dc.descriptionThis report presents findings of a study of Bank lending to small and medium enterprises (SME) in Serbia. The study uses methodology developed by the Bank and already used in a number of studies in South America. The study is based on answers to standard questionnaires and detailed on-site interviews with eight banks. The interviewed banks are the most active in SME lending in Serbia and account for about 70 percent of the total market. Banks are currently offering a fairly broad range of both tailored and standardized products and are increasingly flexible with product pricing. This includes checking, savings and time deposit accounts; export and import loans; overdrafts for working capital and investment loans; business credit cards; various types of payment services; Internet and phone banking. The report is organized as follows: section two describes the banking sector and markets in Serbia, reviews definition of SMEs and provides key characteristics of the SME finance market in Serbia. Section three discusses details of SME access to finance. It describes the drivers and obstacles, government programs, and characteristics of the market environment. Section four focuses on how banks engage in lending to SMEs, describing their business models and their risk management. Section five provides a number of conclusions on the conditions of access and future trends.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2012/01/16426642/serbia-bank-lending-small-medium-enterprises
dc.identifierhttps://hdl.handle.net/10986/12796
dc.identifierhttps://doi.org/10.1596/12796
dc.identifier.urihttp://hdl.handle.net/123456789/414524
dc.languageEnglish
dc.languageen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCEPTABLE COLLATERAL
dc.subjectACCESS POINTS
dc.subjectACCESS TO BANKING
dc.subjectACCESS TO BANKING SERVICES
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCOUNTING
dc.subjectADVISORY SERVICES
dc.subjectAGRICULTURAL BANK
dc.subjectAMOUNT OF CREDIT
dc.subjectAPPROVAL PROCESSES
dc.subjectAUDITING
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBALANCE SHEET
dc.subjectBALANCE SHEETS
dc.subjectBANK BRANCHES
dc.subjectBANK CREDIT
dc.subjectBANK LENDING
dc.subjectBANK LOANS
dc.subjectBANKING ASSETS
dc.subjectBANKING INSTITUTIONS
dc.subjectBANKING MARKET
dc.subjectBANKING MARKETS
dc.subjectBANKING SECTOR
dc.subjectBANKING SERVICE
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKRUPTCY
dc.subjectBANKRUPTCY PROCEDURES
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBORROWINGS
dc.subjectBUSINESS CENTERS
dc.subjectBUSINESS CREDIT
dc.subjectBUSINESS STRATEGIES
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL LOANS
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCAPITAL STANDARDS
dc.subjectCAPITALIZATION
dc.subjectCASH FLOW
dc.subjectCASH MANAGEMENT
dc.subjectCDS
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOLLATERALS
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSOLIDATED FINANCIAL STATEMENTS
dc.subjectCONSUMER FINANCE
dc.subjectCONSUMER LOANS
dc.subjectCOST OF CREDIT
dc.subjectCREDIT APPLICATIONS
dc.subjectCREDIT ASSESSMENT
dc.subjectCREDIT BUREAU
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CARDS
dc.subjectCREDIT DECISIONS
dc.subjectCREDIT GROWTH
dc.subjectCREDIT GUARANTEE
dc.subjectCREDIT HISTORY
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT LINE
dc.subjectCREDIT LINES
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKETS
dc.subjectCREDIT POLICIES
dc.subjectCREDIT PRODUCTS
dc.subjectCREDIT PROGRAMS
dc.subjectCREDIT REPORT
dc.subjectCREDIT REPORTS
dc.subjectCREDIT RISK
dc.subjectCREDIT RISK MANAGEMENT
dc.subjectCREDIT RISKS
dc.subjectCREDIT SCORING
dc.subjectCREDIT SCORING MODELS
dc.subjectCREDIT WORTHINESS
dc.subjectCREDITOR
dc.subjectCREDITORS
dc.subjectCREDITS
dc.subjectCREDITWORTHINESS
dc.subjectCUSTOMER SERVICE
dc.subjectDEBT
dc.subjectDEBT BURDEN
dc.subjectDEBT OUTSTANDING
dc.subjectDEBTS
dc.subjectDEFICITS
dc.subjectDEMONSTRATION EFFECTS
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRY
dc.subjectDIVERSIFICATION
dc.subjectEARNING CAPACITY
dc.subjectECONOMIC AGENTS
dc.subjectECONOMIC CONDITIONS
dc.subjectECONOMIC GROWTH
dc.subjectEIB
dc.subjectEMPLOYMENT
dc.subjectENTERPRISE CREDIT
dc.subjectENTREPRENEUR
dc.subjectENTREPRENEURS
dc.subjectENTREPRENEURSHIP
dc.subjectEXCHANGE RATES
dc.subjectEXTERNAL FINANCING
dc.subjectEXTERNAL FUNDS
dc.subjectFACTORING
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCING OBSTACLES
dc.subjectFIXED ASSETS
dc.subjectFOREIGN BANKS
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN EXCHANGE
dc.subjectFORMS OF CREDIT
dc.subjectGOVERNMENT CREDIT
dc.subjectGOVERNMENT INVOLVEMENT
dc.subjectGUARANTORS
dc.subjectHOUSEHOLD LENDING
dc.subjectHOUSEHOLDS
dc.subjectHOUSING
dc.subjectINDEBTEDNESS
dc.subjectINFLATION
dc.subjectINFORMATION ASYMMETRIES
dc.subjectINFORMATION SHARING
dc.subjectINSURANCE
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERMEDIARY BANK
dc.subjectINTERMEDIARY BANKS
dc.subjectINTERNAL FUNDS
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL BANKING
dc.subjectINTERNATIONAL BANKS
dc.subjectINTERNATIONAL FINANCE
dc.subjectINVESTMENT BANK
dc.subjectINVESTMENT DECISIONS
dc.subjectINVESTMENT FINANCE
dc.subjectINVESTMENT LOANS
dc.subjectINVESTMENT PLAN
dc.subjectJOB CREATION
dc.subjectLACK OF COLLATERAL
dc.subjectLEGAL FRAMEWORK
dc.subjectLENDING TECHNIQUES
dc.subjectLEVEL OF INTEREST RATES
dc.subjectLEVELS OF COLLATERAL
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectLOAN APPROVAL
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PROCESSING
dc.subjectLOAN PRODUCTS
dc.subjectLOAN RECOVERY
dc.subjectLOAN SUPERVISION
dc.subjectLOAN TERMS
dc.subjectLOANS FROM BANKS
dc.subjectLOANS TO BUSINESSES
dc.subjectLOCAL BANK
dc.subjectLOCAL GOVERNMENTS
dc.subjectMANDATES
dc.subjectMARKET DEVELOPMENT
dc.subjectMARKET ECONOMIES
dc.subjectMARKET ENVIRONMENT
dc.subjectMARKET STRUCTURE
dc.subjectMARKET VALUE
dc.subjectMARKETS DEVELOPMENT
dc.subjectMATURITIES
dc.subjectMATURITY
dc.subjectMICRO CREDITS
dc.subjectMICRO-ENTERPRISES
dc.subjectMONETARY POLICY
dc.subjectMORTGAGES
dc.subjectMOVABLE COLLATERAL
dc.subjectMUNICIPALITIES
dc.subjectNON-PERFORMING LOANS
dc.subjectNPL
dc.subjectOUTREACH
dc.subjectOVERDRAFT
dc.subjectOVERDRAFTS
dc.subjectPAYMENT SERVICES
dc.subjectPRIVATE INVESTORS
dc.subjectPRIVATIZATION
dc.subjectPROFITABILITY
dc.subjectPROPERTY RIGHTS
dc.subjectPRUDENTIAL REGULATIONS
dc.subjectPUBLIC MARKETS
dc.subjectPUBLIC POLICY
dc.subjectRATING SYSTEMS
dc.subjectREGIONAL BANKS
dc.subjectREGULATORY FRAMEWORK
dc.subjectREPAYMENT
dc.subjectRESERVE REQUIREMENTS
dc.subjectRESERVES REQUIREMENTS
dc.subjectRETAIL BANKING
dc.subjectRETAIL BUSINESS
dc.subjectREVOLVING FUND
dc.subjectRISK DIVERSIFICATION
dc.subjectRISK MANAGEMENT
dc.subjectRISK PROFILE
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BONDS
dc.subjectSECOND LOAN
dc.subjectSECURITIES
dc.subjectSETTLEMENT
dc.subjectSHAREHOLDERS
dc.subjectSMALL BANKS
dc.subjectSMALL BUSINESSES
dc.subjectSMALL ENTERPRISES
dc.subjectSOCIAL SECURITY
dc.subjectSOLVENCY
dc.subjectSTART-UPS
dc.subjectSUBORDINATED DEBT
dc.subjectSUBSIDIARIES
dc.subjectSUBSIDIARY
dc.subjectTELECOMMUNICATIONS
dc.subjectTERM CREDIT
dc.subjectTERM CREDITS
dc.subjectTIME DEPOSIT
dc.subjectTRANSACTION COST
dc.subjectTRANSACTION COSTS
dc.subjectTURNOVER
dc.subjectTURNOVERS
dc.subjectUNION
dc.subjectWORKING CAPITAL
dc.titleBank Lending to Small and Medium Enterprises : The Republic of Serbia

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