Autor: |
Doležal, Jiří, Šnajdr, Jiří, Belás, Jaroslav, Vincúrová, Zuzana |
Předmět: |
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Zdroj: |
Journal of International Studies (2071-8330); 2015, Vol. 8 Issue 1, p91-106, 16p |
Abstrakt: |
Currently, in the banking sector of the economically developed countries is possible to monitor the trend of high liquidity and the low volume of credit fi nancing of Small and Medium-sized Enterprises (SMEs). Th is situation is far from ideal because the banks are losing potential revenue and the SME segment within appropriate extent cannot fi nance its business objectives through bank loans. Th e aim of the paper was to propose a model for a comprehensive assessment of the credit worthiness of the client and retrospective evaluation of bank lending in terms of unrealized income and loss prevention, resulting from the application of exit strategies in the SME segment. Th e aim of this article was to propose a model for comprehensive assessment of the credit worthiness of the client and retrospective evaluation of bank lending in terms of unrealized income and loss prevention, resulting from the application of exit strategies in the SME segment. Our most important fi nding is that there is potentially quite a large group of clients who have problems with the bank ratings, but despite the fact that the bank does not give them credit, these companies continue to remain on the market. Another important fi nding is that there is the possibility of improving the loan process in the SME segment. Th ese options are incorporated in our proposal to the loan process. [ABSTRACT FROM AUTHOR] |
Databáze: |
Complementary Index |
Externí odkaz: |
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