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Wirksamkeit von Landesbürgschaften und Bürgschaftsbanken: Eine empirische Studie für Mecklenburg-Vorpommern

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  • Neuberger, Doris
  • Räthke-Döppner, Solvig
Abstract
Staatliche Bürgschaften und Bürgschaftsbanken sind wichtige Instrumente, um Kreditrationierung aufgrund von Informationsasymmetrien zu reduzieren und somit die Finanzierung kleiner und mittelständischer Unternehmen zu erleichtern. Der vorliegende Beitrag untersucht die Wirksamkeit dieser Fördermaßnahmen in dem strukturschwachen Land Mecklenburg-Vorpommern auf der Grundlage einer Befragung geförderter Unternehmen aus dem Jahr 2007. Es zeigen sich positive Effekte auf Unternehmenswachstum, Beschäftigung und Finanzierung, von denen eine große Hebelwirkung auf das Wirtschaftswachstum in dieser Region zu erwarten ist.

Suggested Citation

  • Neuberger, Doris & Räthke-Döppner, Solvig, 2008. "Wirksamkeit von Landesbürgschaften und Bürgschaftsbanken: Eine empirische Studie für Mecklenburg-Vorpommern," Thuenen-Series of Applied Economic Theory 87, University of Rostock, Institute of Economics.
    • Handle: RePEc:zbw:roswps:87
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    References listed on IDEAS

    as
    1. Schiereck, D., 2002. "Bürgschaftsbanken in Deutschland," Publications of Darmstadt Technical University, Institute for Business Studies (BWL) 35282, Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL).
    2. Bigus, J. & Langer, T. & Schiereck, D., 2004. "Wie werden Kreditsicherheiten in der Praxis eingesetzt? - Ein Überblick über empirische Befunde," Publications of Darmstadt Technical University, Institute for Business Studies (BWL) 35181, Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL).
    3. Langer, T. & Schiereck, D., 2002. "Kreditvergaben über Bürgschaftsbanken: Eine theoretische Analyse zur potentiellen Vorteilhaftigkeit," Publications of Darmstadt Technical University, Institute for Business Studies (BWL) 60393, Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL).
    4. Menkhoff, Lukas & Neuberger, Doris & Suwanaporn, Chodechai, 2006. "Collateral-based lending in emerging markets: Evidence from Thailand," Journal of Banking & Finance, Elsevier, vol. 30(1), pages 1-21, January.
    5. Boot, Arnoud W A & Thakor, Anjan V & Udell, Gregory F, 1991. "Secured Lending and Default Risk: Equilibrium Analysis, Policy Implications and Empirical Results," Economic Journal, Royal Economic Society, vol. 101(406), pages 458-472, May.
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    8. Erik Lehmann & Doris Neuberger & Solvig R”thke, 2004. "Lending to Small and Medium-Sized Firms: Is There an East-West Gap in Germany?," Small Business Economics, Springer, vol. 23(1), pages 23-39, August.
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    More about this item

    Keywords

    financing of small and medium-sized enterprises; credit rationing; collateral; public loan guarantees; guarantee banks;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • H81 - Public Economics - - Miscellaneous Issues - - - Governmental Loans; Loan Guarantees; Credits; Grants; Bailouts

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