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Commercial bank financing for micro-enterprises and SMEs in Mexico

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Date
2013-12
Author
Padilla, Ramón
Fenton Ontañon, Rodrigo
UN Symbol
LC/G.2597-P
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Abstract
This article examines commercial bank lending strategies for micro-enterprises and small and medium-sized businesses (SMEs) in Mexico, and the factors that promote or hinder lending in this segment. With this in mind, in 2011 a detailed survey was conducted of commercial banks operating in Mexico. Although credit to microenterprises and smes still represents a small share of the loan portfolio, the survey results point to growing interest in broadening it. Three different business models were identified, with major differences in strategies for offering financial services to this segment of enterprises. The greatest barriers to increasing the credit supply are lack of information, creditor protection failures, informality, and the changes and disruptions that commercial banking has experienced over the past three decades.
Translation
Financiamiento de la banca comercial para las micro, pequeñas y medianas empresas en México
Published in:
CEPAL Review   No.111

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Serie
CEPAL Review
United Nations Subtopics
SMALL AND MEDIUM ENTERPRISES ; BUSINESS FINANCING ; BUSINESS ENTERPRISES ; BANKERS' COMMERCIAL CREDITS ; SURVEYS
Country / Region
MEXICO
URI
https://hdl.handle.net/11362/37002
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