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June 11, 2019

Dutch SME bank financing, from a European perspective

Publication

Dutch SMEs are obtaining bank loans less often than SMEs elsewhere in the eurozone.

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June 11, 2019

Measuring Credit Rationing of Dutch firms

Publication

This background document is associated to the CPB Policy brief on Dutch SME-bank financing in a European perspective. It explains in detail what we do in a microsimulation model that is described in a textframe on credit rationing on page 14 of the Policy Brief. On the basis of firm-level data from Statistics Netherlands and under strong assumptions, we estimate the amount of credit rationing that Dutch firms potentially faced in 2007-2016. Our simulation study is novel, and it highlights that researching credit rationing on the basis of microdata is feasible and that it can yield insights relevant for policy applications.