Lending Process for the SME Segment. The Findings and Experience from the Czech and Slovak Banking Sectors

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F15%3A43873076" target="_blank" >RIV/70883521:28120/15:43873076 - isvavai.cz</a>

Výsledek na webu

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DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Lending Process for the SME Segment. The Findings and Experience from the Czech and Slovak Banking Sectors

Popis výsledku v původním jazyce

Small and medium enterprises (SME) fulfil important tasks in an economic system. However, these companies have limited access to credit resources comparing to big companies. The aim of this article is thus to define the possibilities of lending process improvements based on an analysis of the significance of Internal Rating Models (IRM). Resulting from the data obtained in our research, a custom IRM for the SMEs segment has been created, testing its quality and defining its limitations as well. In thisprocess, the quadratic discriminant analysis (QDA) has been used. Moreover, the article also examines the opinions of the banking sector professionals on the quality and accuracy of the IRM currently used in Czech and Slovak banks. Finally, our own innovative methodological proposal for the lending process management for SMEs is introduced. A model of the lending process has been designed to ensure optimization of credit decisions, a reasonable rate of effectiveness of lending practices

Název v anglickém jazyce

Lending Process for the SME Segment. The Findings and Experience from the Czech and Slovak Banking Sectors

Popis výsledku anglicky

Small and medium enterprises (SME) fulfil important tasks in an economic system. However, these companies have limited access to credit resources comparing to big companies. The aim of this article is thus to define the possibilities of lending process improvements based on an analysis of the significance of Internal Rating Models (IRM). Resulting from the data obtained in our research, a custom IRM for the SMEs segment has been created, testing its quality and defining its limitations as well. In thisprocess, the quadratic discriminant analysis (QDA) has been used. Moreover, the article also examines the opinions of the banking sector professionals on the quality and accuracy of the IRM currently used in Czech and Slovak banks. Finally, our own innovative methodological proposal for the lending process management for SMEs is introduced. A model of the lending process has been designed to ensure optimization of credit decisions, a reasonable rate of effectiveness of lending practices

Druh

O - Ostatní výsledky

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