Zdrojový dokument:Scientific papers of the University of Pardubice. Series D, Faculty of Economics and Administration. 44/2018
ISSN:1211-555X (Print)
Abstrakt:
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.