期刊名称：Equilibrium. Quarterly Journal of Economics and Economic Policy
印刷版ISSN：1689-765X
电子版ISSN：2353-3293
出版年度：2016
卷号：11
期号：2
页码：343-365
DOI：10.12775/EQUIL.2016.016
语种：English
出版社：Institute of Economic Research
摘要：The aim of this article was to define, quantify and compare significant factors of the debt financing in the segment of SMEs. The research focused on the significant differences between groups of entrepreneurs, defined in relation to gender, education, size and age of the company, was carried out in the Czech Re public in 2015 on a sample of 1,141 respondents. We found that while the im_x005f?portance of the credit risk increased during the crisis, the level of knowledge of conditions under which commercial banks provide loans is relatively low between entrepreneurs. Entrepreneurs presume that the credit conditions in commercial banks are not transparent, but agree that the better knowledge of credit criteria allows for easier access to funding. Substantial differences in the assessment of the factors of credit risk by defined groups of entrepreneurs were identified.
关键词：small and medium enterprises; credit risk; debt financing; gender of entrepreneurs; education of entrepreneurs; company's age and size; Czech Republic
