Crédito y desarrollo económico
Destacados
Artículo
Revolving credit in Spain: Between financial inclusion and consumer risk
Fecha:
julio 2025
Revolving credit plays a growing but still limited role in Spain’s household borrowing landscape, offering flexible financing to consumers with limited access to conventional credit. However, its complex structure and high associated costs raise concerns around transparency, education, and regulatory oversight.
Artículo
Crédito revolving en España y Europa: inclusión financiera, riesgos, y transparencia
Fecha:
julio 2025
Este trabajo ofrece, a través de una comparación regulatoria europea, mecanismos para maximizar el valor del crédito revolving como instrumento de inclusión financiera sin comprometer
la sostenibilidad del sistema.
Artículo
Corporate access to bank loans: Assessing the impact of company and loan size
Fecha:
febrero 2025
Spanish companies enjoy lower bank borrowing costs than their Eurozone peers, with neither the size of the loan nor the company significantly impacting costs. While micro firms face slightly more obstacles in obtaining loans, the size penalty is far less significant in Spain, making access to finance a relatively minor concern across all business sizes.