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THE IMPACT OF SOCIAL AND ECONOMIC FACTORS IN THE CREDIT RISK MANAGEMENT OF SME

机译:社会经济因素对中小企业信用风险管理的影响

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Numerous research studies deal with the issue of researching the impacts on credit risk determinants in the SME segment. The study of economic factors that are easier to quantify from methodological point of view, and which prevent complex evaluation of causality of interest rate risk and the discovery of various social barriers dominate. This consistent fact forms a platform in designing the research to introduce a model of dependency of effective credit risk management in the SME segment on significant social and economic factors. Empirical research was carried out in the Czech business environment in 2017 on a sample of 352 enterprises. The structural analysis modeling (SEM) was the main analytical method. The research results confirmed the fact that an effective approach to managing the SME's credit risk is determined by a number of factors of a non-economic nature. The most important are education and family environment. These are followed by economic factors, such as a relationship with banks, financial knowledge in the area of capital and payment discipline. The multi-spectral dimension of the findings and causality also opened up a wide discussion and prepared a high-quality data research base for further deeper exploration of this issue.
机译:众多研究研究处理了研究中小企业细分中信用风险决定因素的影响问题。从方法论的角度来看,更容易量化的经济因素,并防止对利率风险的因果关系复杂评估以及各种社会障碍的发现。这一一致的事实形成了设计研究,以在大量社会和经济因素中介绍有效信用风险管理依赖性依赖性模型。 2017年捷克商业环境在352家企业的样本中进行了实证研究。结构分析建模(SEM)是主要的分析方法。研究结果证实了管理中小企业信用风险的有效方法取决于非经济性的多项因素。最重要的是教育和家庭环境。这些是经济因素,如与银行的关系,资本和支付纪律领域的金融知识。调查结果和因果关系的多光谱维度也开辟了广泛的讨论,并为此问题的进一步探讨了高质量的数据研究基础。

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