Oriol Amat: Why some companies obtain loans and others no

Oriol Amat, the director of the Master's
in Financial and Accounting Management
, wrote on the reasons why some
companies obtain loans and others no in an article published in La Vanguardia on
8 May 2011. The professor of financial economics at Pompeu Fabra University
pointed out that “many companies which are not granted loans today do not
deserve to”.

In his article, Oriol Amat declared that “in order for a company to obtain
a loan, three conditions must exist, and the problem is that most do not meet
them”. Amat listed such conditions: “Firstly, the company must have a good
project enabling it to have the capacity to return the loan. Secondly, the
company must be capitalised with a healthy balance sheet”. As a final condition,
Amat stated that “the company must provide guarantees when requesting the loan”.

Oriol Amat is
the director of the Master's
in Financial and Accounting Management
and participates as a lecturer
on numerous programmes at IDEC-Universitat Pompeu Fabra. The professional
areas of interest of the professor of Financial Economy and Accounting at
the UPF are company analysis and accounting management. Oriol Amat has recently
published the book Euforia y pánico, analysing the causes
behind the current situation of the economy.

Please click here to
read the full article (in Spanish) published in La
Vanguardia

.