Data from our 2003 survey also indicate that among small businesses, relatively large firms (whether measured by sales, assets, or number of employees), and relatively older firms, were more likely than smaller or younger firms to use a wide range of types of credit, including credit lines, capital leases, motor vehicle loans, mortgages, and equipment loans.
Financial markets, if properly regulated, should regain a key role in allocating resources and sending price signals to individual players and policymakers. Third, an interconnected financial system requires a very high level of harmonisation of financial regulation and cooperation among financial markets and banking supervisors, both at the international and at the regional level.