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Model of the loan process in the context of unrealized income and loss prevention

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dc.title Model of the loan process in the context of unrealized income and loss prevention en
dc.contributor.author Doležal, Jiří
dc.contributor.author Šnajdr, Jiří
dc.contributor.author Belás, Jaroslav
dc.contributor.author Vincúrová, Zuzana
dc.relation.ispartof Journal of International Studies
dc.identifier.issn 2071-8330 Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued 2015
utb.relation.volume 8
utb.relation.issue 1
dc.citation.spage 91
dc.citation.epage 106
dc.type article
dc.language.iso en
dc.publisher Centre of Sociological Research
dc.identifier.doi 10.14254/2071-8330.2015/8-1/8
dc.relation.uri http://www.jois.eu/?201,en_model-of-the-loan-process-in-the-context-of-unrealized-income-and-loss-prevention
dc.subject Commercial banks en
dc.subject Credit risk en
dc.subject Internal rating models en
dc.subject Loan processing en
dc.subject Small and medium-sized enterprises en
dc.description.abstract Currently, in the banking sector of the economically developed countries is possible to monitor the trend of high liquidity and the low volume of credit financing of Small and Medium-sized Enterprises (SMEs). is situation is far from ideal because the banks are losing potential revenue and the SME segment within appropriate extent cannot finance its business objectives through bank loans. The aim of the paper was to propose a model for a comprehensive assessment of the credit worthiness of the client and retrospective evaluation of bank lending in terms of unrealized income and loss prevention, resulting from the application of exit strategies in the SME segment. e aim of this article was to propose a model for comprehensive assessment of the credit worthiness of the client and retrospective evaluation of bank lending in terms of unrealized income and loss prevention, resulting from the application of exit strategies in the SME segment. Our most important finding is that there is potentially quite a large group of clients who have problems with the bank ratings, but despite the fact that the bank does not give them credit, these companies continue to remain on the market. Another important finding is that there is the possibility of improving the loan process in the SME segment. These options are incorporated in our proposal to the loan process. © CSR, 2015. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1006402
utb.identifier.obdid 43874366
utb.identifier.scopus 2-s2.0-84969894877
utb.source j-scopus
dc.date.accessioned 2016-07-26T14:58:26Z
dc.date.available 2016-07-26T14:58:26Z
dc.rights Attribution 3.0 International
dc.rights.uri https://creativecommons.org/licenses/by/3.0/
dc.rights.access openAccess
utb.contributor.internalauthor Doležal, Jiří
utb.contributor.internalauthor Šnajdr, Jiří
utb.contributor.internalauthor Belás, Jaroslav
utb.fulltext.affiliation Jiří Doležal, Jiří Šnajdr, Jaroslav Belás, Zuzana Vincúrová Tomas Bata University in Zlín Czech Republic j2_dolezal@utb.cz Tomas Bata University in Zlín Czech Republic belas111@gmail.com Tomas Bata University in Zlín Czech Republic e-mail belas111@gmail.com Paneuropean University in Bratislava Slovak Republic info@paneurouni.com
utb.fulltext.dates Received: February, 2015 1st Revision: April, 2015 Accepted: May, 2015
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