Building an innovation-friendly financial system

The financial system is a pivotal component of the UK’s innovation and investment ecosystem. Following the financial crisis, the financial sector came under enormous criticism for its role in bringing about the most severe recession since the 1930s. In addition, the banking sector has been criticised for neglecting its core business, including lending to support business generation and growth.

This work programme focuses on how to reform the financial sector to ensure such a crisis does not occur again. Specifically, we are looking at the role of the financial sector on two fronts: one, ensuring that the financial system is a source of stability and growth for the economy, and two, mitigating the market failure in lending to innovative, high-growth firms.

The Big Innovation Centre is undertaking cutting-edge analysis on both of these fronts, building on our 2011 submission to the Independent Commission on Banking and our report 'The Discouraged Economy'. First, we seek to propose potential reforms to the regulation of the banking business model to ensure financial stability. Second, we are identifying and evaluating the systemic barriers faced by firms in access to finance, looking particularly at the capital structure of firms as well as risk assessment and mitigation.

Current research

  • What are the determinants of capital structure for small businesses in different industries, and at different stages of the business cycle?
  • What barriers to debt finance do SMEs face?
  • What barriers to equity finance do SMEs face?
  • How do equity shocks affect the wider economy and innovation ecosystem?
  • What is the evidence base to support the criticism that banks do not support high-growth, high-innovation SMEs?
  • What are the new organisational forms that can improve the ecology of banking? To what extent could German-style industrial or Swedish-style Handelsbanken be developed in the UK?

Related Reports

Credit Where It's Due: How to revive bank lending to British Small and Medium Sized Enterprises
This report suggests an innovative system of credit easing to boost lending to small and medium enterprises.

Will Hutton and Kenneth Peasnell
28 November 2011

The Discouraged Economy
This report argues that the UK’s financial sector is systematically failing SMEs which could provide the greatest source of innovation, jobs and growth.

Will Hutton, Paul Nightingale
08 September 2011

Related Events

Chancellor's Autumn Statement briefing
What else can the Chancellor do to give business, investors, consumers and entrepreneurs more confidence in the future?

Wednesday, 30 November 2011
18:00 - 20:00

Banking Business Models: Research forum
A joint Barclays Bank/Big Innovation Centre research forum

Friday, 23 September 2011
08:00 - 10:00

Related Blogs

What do the OBR forecasts really tell us?
Yesterday’s budget was meant to put Britain back on the path to growth and recovery. The Office of Budget Responsibility (OBR) has set out in its forecasts what that path might look like. As the government’s watchdog on public finances, its primary function is to ensure that the government is meeting its fiscal mandate during this period of austerity. But as the governments’ fiscal target is to eliminate the structural deficit by 2016/17, one of the key judgements they are required to make is the size of the output gap. The output gap reflects the underlying capacity for the economy to grow without giving rise to inflation, debt imbalances or other factors that could cause a subsequent correction in the future. And the size of the output gap is a key judgement for the OBR, because as it determines how much of the deficit is cyclical and how much of it is structural, it has important implications for the government’s fiscal target.

Hiba Sameen
22 March 2012

Cities in the Autumn Statement – Plenty of investment, not much innovation
The Coalition has always towed a pretty consistent line on geographic re-balancing in the UK: we need to become less dependent on the South East, and spread growth more evenly around the country. The message from today’s Autumn Statement was no different – the Chancellor announced a series of measures that aim to boost prosperity around the UK.

Andrew Sissons
29 November 2011

Finance for high growth firms: EIS and beyond
Brussels has given the Treasury the go-ahead to expand the Enterprise Investment Scheme (EIS). By reducing the tax investors pay when backing high-risk companies, it’s designed to increase investment in them. The government argues the scheme will create more high growth firms: the seven per cent of firms who create half of all new jobs.

Neil Lee
28 September 2011

Related News

Charles Levy asks 'Has inflation really been tamed?' in a leading letter to the editor of the Evening Standard
Charles Levy asks 'Has inflation really been tamed?' in a leading letter to the editor of the Evening Standard

15 February 2012