Tony Stevenson1, Keith Pond2

(1. James Cook University, Singapore; 2. Loughborough University, Loughborough, UK)

 

 

Abstract: In this paper we use five German and UK bank case studies to test and extend a conceptual model of risk assessment in bank lending to SMEs. Derived from research in Germany and the UK the model postulates that factors in the external, operating and internal environments of individual banks can influence risk assessment decisions.

 

 

Key words: SME; bank; lending; risk; UK German

 

JEL codes: D82, K20, G21