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The model of lending process for the SME segment

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dc.title The model of lending process for the SME segment en
dc.contributor.author Hlawiczka, Roman
dc.contributor.author Doležal, Jiří
dc.contributor.author Bélas, Jaroslav
dc.contributor.author Cipovová, Eva
dc.relation.ispartof Proceedings of the 1st International Conference on Finance and Economics 2014
dc.identifier.isbn 978-80-7454-405-7
dc.date.issued 2014
dc.citation.spage 243
dc.citation.epage 256
dc.event.title 1st International Conference on Finance and Economics (ICFE)
dc.event.location Ho Chi Minh City
utb.event.state-en Vietnam
utb.event.state-cs Vietnam
dc.event.sdate 2014-06-02
dc.event.edate 2014-06-04
dc.type conferenceObject
dc.language.iso en
dc.publisher Tomas Bata University in Zlín
dc.subject commercial banks en
dc.subject SME credit risk en
dc.subject internal rating models en
dc.subject loan processing en
dc.description.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. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1004229
utb.identifier.obdid 43871483
utb.identifier.wok 000349078200018
utb.source d-wok
dc.date.accessioned 2015-05-06T06:58:38Z
dc.date.available 2015-05-06T06:58:38Z
utb.identifier.utb-sysno 85206
utb.contributor.internalauthor Hlawiczka, Roman
utb.contributor.internalauthor Doležal, Jiří
utb.contributor.internalauthor Bélas, Jaroslav
utb.contributor.internalauthor Cipovová, Eva
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