Beck, ThorstenPeria, Maria Soledad MartinezDemirguc-Kunt, Asli2012-03-302012-03-302011Journal of Financial Services Research09208550https://hdl.handle.net/10986/5354Using data for 91 large banks from 45 countries, this paper finds that foreign, domestic private, and government-owned banks use different lending technologies and organizational structures for SME financing. The extent, type, and pricing of SME loans, however, is not strongly correlated with lending technologies and organizational structures, suggesting that SME financing need not be based only on "relationship lending". Consistent with these results, we find few significant differences in the extent, type, and pricing of SME loans across bank types. Instead, we find significant differences across developed and developing countries, driven by differences in the institutional and legal environment.ENBanksOther Depository InstitutionsMicro Finance InstitutionsMortgages G210Financing PolicyFinancial Risk and Risk ManagementCapital and Ownership Structure G320Firm Performance: Size, Diversification, and Scope L250Economic Development: Financial MarketsSaving and Capital InvestmentCorporate Finance and Governance O160Journal ArticleWorld Bank