Estrategias para corregir los problemas de asimetrías de información que faciliten el acceso al financiamiento bancario en Pymes

Abstract

The objective of the work is to propose strategies to correct the problems of information asymmetries that facilitate access to bank financing to SMEs. Initially, the bank's perception of the risk that the SME segment implies in the process of access to financing is identified, using for the results of an advanced field work in some banks in the city of Guadalajara de Buga; then, the asymmetries of information that generate obstacles in the process of access to bank financing are determined, using three basic inputs that allow contrasting the results: the theory of asymmetric information, the results of the interviews with the banks of Guadalajara de Buga and the findings presented in the Great SME Survey for Guadalajara de Buga conducted by ANIF. Finally, the activities and actions that generate confidence in banking by industrial SMEs in Guadalajara de Buga are identified. The results suggest that the activities and actions to build trust should start with SMEs, who are the ones who have the need to access financial resources, while banks have the resources, but have other business lines that may be more profitable, such as This is the case of large companies and the institutional sector. In addition, for banking, it is expensive to strengthen the controls aimed at the SME segment, which is why, in situations of distrust, they act by rationing credit to these companies.