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

Jazyk

angličtina

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

ISBN

978-80-7454-405-7

Klíčová slova anglicky

commercial banks SME credit risk internal rating models loan processing

Štítky

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

Anotace

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.