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British Business Banking: The Failure of Finance Provision for SMEs

By (author) Dr Michael Lloyd

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Price: R 3,239.95

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Why are British banks so risk averse when it comes to providing long-term loan finance to businesses? In Europe the dominance of bank lending in the financing of small and medium sized enterprises (SMEs) is well-observed. Yet in the UK exactly the opposite is the case, where most SME funding is via bank overdrafts and credit cards. The roots of this significant difference lie partly in the historical, institutional, political and cultural structure of the British banking system, and in parallel explanatory factors in the UK SME population, but the real mystery is why, in the twentieth century, there appears to have been no significant change in the attitudes of British banks towards providing long-term loan finance to SMEs. Indeed, this risk aversion might have been expected to alter during the postwar period and the substantial expansion of consumer demand and expanded commodity production, but it did not. This book explores not only how the historical formation of British banking structures produced such a relatively risk-averse arrangement compared to other European countries and the United States, but also why this banking attitude has persisted to the present day. The book concludes with a suite of recommendations necessary for British banks to provide a more balanced mix of financial provision to SMEs.

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Normal Price | R 4,640.95
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The Ballerina and the Bull: Anarchist Utopias in the Age of Finance

Johanna Isaacson
Paperback / softback
288 pages
was: R 306.95
now: R 275.95
This title will take longer to obtain, and should be delivered in 6-8 weeks

Our moment has seen the resurgence of an anarchist sensibility, from the uprisings in Seattle in 1999 to the Occupy movement of 2011.

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Fifteen Dogs

AndrÃ© Alexis
Paperback / softback
176 pages
was: R 280.95
now: R 252.95
Available from overseas. Dispatched in aprox 4-8 weeks as local supplier is out of stock

A pack of dogs are granted the power of human thought - but what will it do to them? A surprising and insightful look at the beauty and perils of consciousness.

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Bonsai Success in Southern Africa

Carl Morrow
Paperback / softback
160 pages
was: R 320.95
now: R 288.95
Stock is usually dispatched in 6-12 days from date of order

In this uniquely Southern African book, Carl Morrow and Keith Kirsten guide readers step by step into the magical realms of bonsai as a hobby, horticultural practice and art form.

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