Commission Regulation (EC) No 97/2009Dangos y teitl llawn

Article 3

The characteristics included in the data collection shall be:

(a)

the relevance of the ownership situation at the start of the enterprise and at the observation time for access to finance;

(b)

the degree and success rates of all attempts to obtain various sorts of internal and external financing and the reasons for not obtaining such financing;

(c)

the extent of guarantees for business loans;

(d)

the perception by the owner/manager of the cost and burden of obtaining business loans and of the enterprise’s financial situation;

(e)

the importance of the choice of financial institution (geographic proximity, in particular cross-border situations, foreign vs. domestic ownership, prior client status, etc.);

(f)

the debt/turnover ratio and other correlations of finance characteristics in the enterprise accounts and their importance for future business growth;

(g)

the perceived need for future financing and its forms and the reasons for this need;

(h)

the perceived link of finance options and their availability and perspectives for employment growth;

(i)

the perception of overall administrative burden on enterprises;

(j)

the effort required to reply to a questionnaire (if any) on access to finance.