Innovations in the loan process for SME segment. The findings and experience from the Czech and Slovak banking sectors

Kód výsledku v IS VaVaI

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Výsledek na webu

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DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Innovations in the loan process for SME segment. The findings and experience from the Czech and Slovak banking sectors

Popis výsledku v původním jazyce

Small and medium enterprises (SME) fulfill important tasks in the economic system, because they create jobs, contribute to the GDP and engage in other important activities within the socio-economic system. However, these companies have limited access tocredit sources when compared to large enterprises. The aim of this paper was to introduce an innovated model of the loan process in relation to the segment of small and medium-sized enterprises (SMEs). In this context, the status and importance of open problems of internal rating models (IRM) of commercial banks in the process of SME credit risk management was analyzed. Based on the data that was obtained by us, a custom IRM for the SMEs segment was created and its quality was tested, respectively its limitations were defined as well. In this process, the Quadratic Discriminant Analysis (QDA) has been used. In the final phase our own innovative methodological proposal for loan process management for SMEs was introduced. A model of the l

Název v anglickém jazyce

Innovations in the loan process for SME segment. The findings and experience from the Czech and Slovak banking sectors

Popis výsledku anglicky

Small and medium enterprises (SME) fulfill important tasks in the economic system, because they create jobs, contribute to the GDP and engage in other important activities within the socio-economic system. However, these companies have limited access tocredit sources when compared to large enterprises. The aim of this paper was to introduce an innovated model of the loan process in relation to the segment of small and medium-sized enterprises (SMEs). In this context, the status and importance of open problems of internal rating models (IRM) of commercial banks in the process of SME credit risk management was analyzed. Based on the data that was obtained by us, a custom IRM for the SMEs segment was created and its quality was tested, respectively its limitations were defined as well. In this process, the Quadratic Discriminant Analysis (QDA) has been used. In the final phase our own innovative methodological proposal for loan process management for SMEs was introduced. A model of the l

Druh

D - Stať ve sborníku

CEP obor

AE - Řízení, správa a administrativa

OECD FORD obor

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Projekt

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Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2015

Kód důvěrnosti údajů

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

Název statě ve sborníku

Proceedings of the 2015 International Conference on Energy, Environment, Development and Economics Recent Advances in Environmental and Earth Sciences and Economics (EEDE 2015)

ISBN

978-1-61804-324-5

ISSN

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e-ISSN

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Počet stran výsledku

8

Strana od-do

60-67

Název nakladatele

Inase

Místo vydání

Zakynthos Island, Greece

Místo konání akce

Zakynthos Island, Greece

Datum konání akce

16. 7. 2015

Typ akce podle státní příslušnosti

WRD - Celosvětová akce

Kód UT WoS článku

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