Sectoral and International Diversities in the perception of Bank Financing: Evidence from Slovak and Czech SMEs

Result code in IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F18%3A63519950" target="_blank" >RIV/70883521:28120/18:63519950 - isvavai.cz</a>

Result on the web

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DOI - Digital Object Identifier

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Result language

angličtina

Original language name

Sectoral and International Diversities in the perception of Bank Financing: Evidence from Slovak and Czech SMEs

Original language description

Banks’ approaches in SMEs financing, being aware of loan conditions and transparency of credit terms are significant facts to improve ability of SMEs to manage their financial and credit risks and also to make SMEs to face with reduced obstacles in their bank credit access. In this context, the research not only aims to compare different sectors in country level but also purposes to make comparison between countries that SMEs’ operate in same sector, regarding their perceptions of these facts. 972 Slovakian and Czech SMEs are analyzed by Chi-square and Z score statistics to find the differences between selected groups and individual responses. According to results of the study, more trade firms positively perceive the selected facts than service firms in Slovakia. But, aspects of Czech service and trade firms do not differ regarding to these facts. Moreover, Slovakian trade firms are more agree that they have knowledge about loan conditions than Czech trade firms do. On the other hand, more Slovakian firms negatively perceive banks’ approach to them than Czech SMEs. Regarding to ntrepreneurs’ knowledge about lending terms, no significant differences exists between the Czech and Slovakian service firms. Furthermore, loan conditions are not transparent for more Slovakian service firms than Czech service firms. The reasons why the differences or similarities exist between the same sectors of different countries and various sectors of a country can be related with education and experience of entrepreneurs, relationship between SMEs and banks and length of the relationship, SMEs’ amount of tangible assets, activities for innovation and in international markets, being discourage to apply for credits, number of bank branches and degree of bank competition.

Czech name

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Czech description

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Type

D - Article in proceedings

CEP classification

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OECD FORD branch

50204 - Business and management

Project

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Continuities

S - Specificky vyzkum na vysokych skolach

Publication year

2018

Confidentiality

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Article name in the collection

Economics, Management, Finance, New Trends and Challenges for Academics and Entrepreneurs

ISBN

978-80-8154-243-5

ISSN

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e-ISSN

neuvedeno

Number of pages

12

Pages from-to

53-64

Publisher name

GEORG

Place of publication

Žilina

Event location

Bratislava

Event date

Oct 10, 2018

Type of event by nationality

EUR - Evropská akce

UT code for WoS article

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