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EL DESÁNIMO DEL PRESTATARIO EN UNA ECONOMÍA DOMINADA POR LOS BANCOS: EVIDENCIA EMPÍRICA PARA PYME ESPAÑOLAS
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Este trabajo analiza los factores explicativos del desánimo del prestatario en una muestra de PYME que operan en una economía dominada por los bancos. Los resultados muestran que elevadas asimetrías informativas y costes de solicitud del préstamo incrementan la probabilidad del desánimo del prestatario entre las empresas más pequeñas y aquellas que trabajan con menos bancos. También mostramos que es menos probable que empresas cuyos gerentes muestren una actitud proactiva hacia el crecimiento y la mejora del negocio se desanimen a solicitar un préstamo.
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