D 2014

The model of Lending Process for the SME Segment.

HLAWICZKA, Roman, Jiří DOLEŽAL, Jaroslav BELÁS and Eva CIPOVOVÁ

Basic information

Original name

The model of Lending Process for the SME Segment.

Authors

HLAWICZKA, Roman, Jiří DOLEŽAL, Jaroslav BELÁS and Eva CIPOVOVÁ

Edition

Ho Chi Minh City, Vietnam, Proceedings of the 1st International Conference on Finance and Economics 2014, p. 243-256, 14 pp. 2014

Publisher

Ton Duc Thang University, Tomas Bata University in Zlín and Corvinus University of Budapest

Other information

Language

English

Type of outcome

Stať ve sborníku

Field of Study

50200 5.2 Economics and Business

Country of publisher

Czech Republic

Confidentiality degree

není předmětem státního či obchodního tajemství

Publication form

storage medium (CD, DVD, flash disk)

Organization unit

University of Finance and Administration

ISBN

978-80-7454-405-7

Keywords in English

commercial banks SME credit risk internal rating models loan processing

Tags

Změněno: 18/4/2017 09:39, Ing. Dominika Moravcová

Abstract

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.