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How do regulatory frameworks for bank loan financing and P2P financing impact SME's financial accessibility?

Incecinar, Can (2025) How do regulatory frameworks for bank loan financing and P2P financing impact SME's financial accessibility?

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Abstract:While bank loans remain the traditional option for small and medium enterprises, peer-to-peer lending provides access to capital from disperse investors. National regulatory frameworks shape investor confidence, reduce information asymmetries, and influence the expansion of both traditional and alternative finance. Drawing on a panel of 125 countries from 2014-2018, this study shows that favorable regulations, robust creditor rights and deeper information systems, along with dedicated crowdfunding laws, and regulatory sandboxes, improve SME accessibility to finance.
Item Type:Essay (Bachelor)
Faculty:BMS: Behavioural, Management and Social Sciences
Subject:85 business administration, organizational science
Programme:International Business Administration BSc (50952)
Link to this item:https://purl.utwente.nl/essays/106896
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