Crédito y desarrollo económico

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.

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.

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.