文章基本信息

标题：Credit standards and factors affecting their strictness in the segment of SMEs in the Slovakia
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作者：Aleksandr Kljucnikov ; Monika Sobekova Majkova ; Zuzana Vincurová 等
期刊名称：Journal of International Studies
印刷版ISSN：2071-8330
电子版ISSN：2306-3483
出版年度：2018
卷号：11
期号：1
页码：163-176
DOI：10.14254/2071-8330.2018/11-1/12
语种：English
出版社：Centre of Sociological Research, Szczecin, Poland
摘要：Credit standards have a strong impact on GDP and the average size of provided loans within the economy. The aim of this paper is to investigate whether such factors as the age of entrepreneurs and the size of their companies are relevant,and have a significant impact on the perception of credit standards. The research is focused on the impact of the selected factors and comparison of the perception of strictness of credit conditions before and after the crisis on the basis of the data from two surveys carried out among 756 Slovak companies back in 2008 and then in 2016. Basing on the Pearson´s chi-square analysis of the results we may present the statistical evidence that the age of an owner and the size of a company have significant impact on the perception of loan criteria, while the impact of company’s size has higher intensity.
关键词：small and medium-sized enterprises;SMEs;credit risk;credit standards;loan condition