Access to credit for Venetian Smes: an empirical analysis

Small and medium Enterprises (SME) are the core of the Italian economy, they have been a great source of innovation and competitiveness. The global crisis deeply affects our economy harming Italian firms, from this situation a new challenge arises: help SME to regain their position. Financial resources are the most difficult to obtain, recession and new banking directive have changed the rules of the game, and this document aims to find, through an empirical analysis, how firms are facing the issue of access to credit, searching common patterns and verifying if 2013 is for real the year where Italian recession stops.