TY - JFULL AU - Daniel Badulescu PY - 2012/7/ TI - SMEs Relationship Banking: Length, Loyalty, Trust. Do SMEs get Something in Return? T2 - International Journal of Economics and Management Engineering SP - 1037 EP - 1045 VL - 6 SN - 1307-6892 UR - https://publications.waset.org/pdf/14685 PU - World Academy of Science, Engineering and Technology NX - Open Science Index 66, 2012 N2 - Under the difficult access to finance of SMEs, they expect that its relationship with the banks shall constitute a real help to access appropriate financing, at reasonable costs and requirements, given the possibility of mutually beneficial and long lasting relation. The literature, but also the research we have carried on, is centered on such determinants as concentration and the length of the relationship, but at the same time, there is little certainty that banks are responding positively to them. Furthermore, although the trust is considered as being a fundamental element of bank relationship – see the case house bank – SMEs find that the banks finance them looking rather on collaterals and covenants than to trust. Moreover, a positive behavior, such as prompt or advance repayments of loans, doesn-t generate any positive feedback from the banks side. All these show a deep un-satisfaction of the SMEs concerning their relationship banking. ER -