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

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F18%3A63519719" target="_blank" >RIV/70883521:28120/18:63519719 - isvavai.cz</a>

Výsledek na webu

<a href="https://fes.upce.cz/sites/default/files/public/mika0267/scipap_44_125025.pdf" target="_blank" >https://fes.upce.cz/sites/default/files/public/mika0267/scipap_44_125025.pdf</a>

DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

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

Popis výsledku v původním jazyce

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 to reduce 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 analysed by Chi-square and Z score statistics to find the differences between selected groups and individual responses. The results of the research confirm that more trade firms positively perceive the selected facts than service firms in Slovakia, however, aspects of Czech service and trade firms do not differ. 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 entrepreneurs’ 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.

Název v anglickém jazyce

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

Popis výsledku anglicky

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 to reduce 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 analysed by Chi-square and Z score statistics to find the differences between selected groups and individual responses. The results of the research confirm that more trade firms positively perceive the selected facts than service firms in Slovakia, however, aspects of Czech service and trade firms do not differ. 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 entrepreneurs’ 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.

Druh

J_SC - Článek v periodiku v databázi SCOPUS

CEP obor

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OECD FORD obor

50204 - Business and management

Projekt

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Návaznosti

V - Vyzkumna aktivita podporovana z jinych verejnych zdroju

Rok uplatnění

2018

Kód důvěrnosti údajů

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

Název periodika

Scientific Papers of the University of Pardubice. Series D. Faculty of Economics and Administration

ISSN

1211-555X

e-ISSN

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Svazek periodika

26

Číslo periodika v rámci svazku

44

Stát vydavatele periodika

CZ - Česká republika

Počet stran výsledku

12

Strana od-do

53-64

Kód UT WoS článku

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EID výsledku v databázi Scopus

2-s2.0-85065580687