Financing SMEs and Entrepreneurs 2012

An OECD Scoreboard

image of Financing SMEs and Entrepreneurs 2012

Access to finance represents one of the most significant challenges for entrepreneurs and for the creation, survival and growth of small businesses. As governments address this challenge, they are running up against a major and longstanding obstacle to policy making: insufficient evidence and data. Better data is needed to understand the financing needs of SMEs and entrepreneurs and to provide the basis for  informed institutional and public policy decisions.

This first edition of "Financing SMEs and Entrepreneurs:  An OECD Scoreboard" represents a major step in addressing this obstacle by establishing a comprehensive international framework for monitoring SMEs’ and entrepreneurs’ access to finance over time.  Comprising 18 countries, including  Canada, Chile, Denmark, Finland, France, Hungary, Italy, Korea, the Netherlands, New Zealand, Portugal, Slovak Republic, Slovenia, Sweden, Switzerland, Thailand, the United Kingdom and the United States, the Scoreboard presents data for a number of debt, equity and financing framework condition indicators. Taken together, they provide governments and other stakeholders with a tool to understand SMEs’ financing needs, to support the design and evaluation of policy measures and to monitor the implications of financial reforms on SMEs’ access to finance.

English Also available in: French


In Chile, 99% of all enterprises are SMEs. They employ 57% of the business sector labour force, and 77% of SMEs are microenterprises, 19% are small and 3% are medium-sized.The data does not include the fishing industry and the education and health and social work sectors (ISIC Rev. 3: B M, and N). Although the usual definition of an SME is based on the annual sales of the enterprise, the financial sector uses a definition based on the loan amount, as indicated in . The share of SME loans in total business loans increased during the years 2007-10, from 16.7% to 18.2%. The share of SMEs’ short-term loans in total SME loans was 60% (2010), indicating that loans were mainly being used to resolve cash flow problems in the production cycle or during the course of business. There was a noticeable decrease in the proportion of SMEs’ non-performing loans in total SME loans, from 7.1% (2009) to 6.6% (2010).

English Also available in: French



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