HLAWICZKA, Roman, Jiří DOLEŽAL, Jaroslav BELÁS and Eva CIPOVOVÁ. The model of Lending Process for the SME Segment. In Proceedings of the 1st International Conference on Finance and Economics 2014. Ho Chi Minh City, Vietnam: Ton Duc Thang University, Tomas Bata University in Zlín and Corvinus University of Budapest. p. 243-256. ISBN 978-80-7454-405-7. 2014.
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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
Original language English
Type of outcome Proceedings paper
Field of Study 50200 5.2 Economics and Business
Country of publisher Czech Republic
Confidentiality degree is not subject to a state or trade secret
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 AR 2013-2014, RIV_ano, WOS, xD1
Changed by Changed by: Ing. Dominika Moravcová, učo 21787. Changed: 18/4/2017 09:39.
Abstract
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.
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