Green SMEs and Access to Finance: The Role of Banking Diversity

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dc.contributor.authorUnited Nations Environment Programme
dc.contributor.organizationEconomy Division
dc.contributor.organizationInquiry
dc.date.accessioned2020-12-10T15:45:59Z
dc.date.available2020-12-10T15:45:59Z
dc.date.issued2015
dc.descriptionThis document presents a detailed analysis of how the structure and diversity of the European banking sector shape access to finance for small and medium-sized enterprises (SMEs) within the green economy. Drawing on quantitative and qualitative data, it highlights the crucial role SMEs play in Europe’s economic output, employment, and particularly in the development and adoption of green technologies and practices. The document explains that bank credit remains the dominant external financing source for SMEs, while access to finance stands as a primary constraint—especially acute for green SMEs. It compares commercial, cooperative, and public banks, underscoring how non-commercial banks, with their focus on long-term, local lending and extensive branch networks, are particularly equipped to address the capital needs of SMEs.en
dc.formatText
dc.identifier.urihttps://wedocs.unep.org/handle/20.500.11822/34537
dc.languageEnglish
dc.page.number16 p.
dc.rights.accessLevelPublic
dc.subjectfinance
dc.subjectgreen economy
dc.subjectbanking
dc.subjectfinancial institution
dc.subjectinnovation
dc.subjectGermany, Federal Republic of
dc.subjectFrance
dc.subjectEurope
dc.subjectsmall enterprise
dc.subjectsmall and medium enterprise
dc.subject.sdgSDG 8 - Decent Work and Economic Growth
dc.titleGreen SMEs and Access to Finance: The Role of Banking Diversityen
dc.typeCommunication or other resource

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