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Financing SMEs and Entrepreneurs 2012

An OECD Scoreboard

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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.

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France

There are roughly 2.5 million SMEs in France. They account for 99.8% of all enterprises and employ 60.5% of the labour force. Both total business loans and SME loans increased over the period 2007-10. This includes both drawn (utilised) and undrawn (not utilised) loans. However, the year-on-year growth rates declined during the recession. The share of SME loans in total business loans stood at 26.2%, the same level as in 2010. The share of SME drawn short-term loans in total SME drawn loans decreased from 21.7% (2007) to 17.7% (2010).

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