D
2014
The model of Lending Process for the SME Segment.
HLAWICZKA, Roman, Jiří DOLEŽAL, Jaroslav BELÁS a Eva CIPOVOVÁ
Základní údaje
Originální název
The model of Lending Process for the SME Segment.
Autoři
HLAWICZKA, Roman, Jiří DOLEŽAL, Jaroslav BELÁS a
Eva CIPOVOVÁ
Vydání
Ho Chi Minh City, Vietnam, Proceedings of the 1st International Conference on Finance and Economics 2014, od s. 243-256, 14 s. 2014
Nakladatel
Ton Duc Thang University, Tomas Bata University in Zlín and Corvinus University of Budapest
Další údaje
Typ výsledku
Stať ve sborníku
Obor
50200 5.2 Economics and Business
Stát vydavatele
Česká republika
Utajení
není předmětem státního či obchodního tajemství
Forma vydání
paměťový nosič (CD, DVD, flash disk)
Organizační jednotka
Vysoká škola finanční a správní
Klíčová slova anglicky
commercial banks SME credit risk internal rating models loan processing
V originále
The aim of this paper was to introduce a model of the loan process in relation to the segment of small and medium-sized enterprises (SMEs). In this context, the status and importance of open problems of internal rating models of commercial banks in the process of SME credit risk management was analyzed. In the next stage, based on the data that was obtained by us, a custom IRM for the SMEs segment was created and its quality was tested, respectively its limitations were defined as well. In the final phase our own innovative methodological proposal for loan process management for SMEs was introduced. A model of the loan process has been designed to ensure optimization of credit decisions, a reasonable rate of effectiveness of lending practices and a reasonable rate of individual commercial banks approach to the SME segment.
Zobrazeno: 23. 12. 2024 17:38