Το ελληνικό τραπεζικό σύστημα σε σχέση με τη χρηματοδότηση των επιχειρήσεων – Προβλέψεις
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Keywords
Τραπεζικό σύστημα ; Εξασφαλίσεις ; Χρηματοδοτήσεις ; ΠροβλέψειςAbstract
This paper aims to provide a detailed overview of the financial system and bank financing for businesses, in Greece. In the first part of the work, the role of the financial system, its operating framework, as well as the impact of current economic developments are analyzed. The dynamic operating environment of the system, requires an understanding of those factors that affect, the ability of banks to grant loans and businesses to access them.
After an introspection on the advantages and disadvantages of bank loans, the paper delves into a series of financial tools used by Greek businesses, including working capital loans, fixed needs coverage, bond loans, syndicated loans, leasing, factoring, and forfaiting. Also included are two important bank credit products, the letter of credit and the letter of guarantee.
It then discusses the types and value of collateral, as well as the qualitative and quantitative criteria used to assess a company's creditworthiness.
This is followed by the part of the forecasts concerning the future of business bank financing in Greece, after presenting the relevant methods used in this paper. The understanding of the macro-environment from the preceding chapters, is a necessary condition for the use of the forecasts, in the derivation of useful conclusions.