Sectoral and International Diversities in the perception of Bank Financing: Evidence from Slovak and Czech SMEs
Identifikátory výsledku
Kód výsledku v 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>
Výsledek na webu
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DOI - Digital Object Identifier
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Alternativní jazyky
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 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.
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 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.
Klasifikace
Druh
D - Stať ve sborníku
CEP obor
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OECD FORD obor
50204 - Business and management
Návaznosti výsledku
Projekt
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Návaznosti
S - Specificky vyzkum na vysokych skolach
Ostatní
Rok uplatnění
2018
Kód důvěrnosti údajů
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů
Údaje specifické pro druh výsledku
Název statě ve sborníku
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
Počet stran výsledku
12
Strana od-do
53-64
Název nakladatele
GEORG
Místo vydání
Žilina
Místo konání akce
Bratislava
Datum konání akce
10. 10. 2018
Typ akce podle státní příslušnosti
EUR - Evropská akce
Kód UT WoS článku
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