Credit risk management in small and medium-sized enterprises (SMEs)
Başlık çevirisi mevcut değil.
- Tez No: 583934
- Danışmanlar: Prof. Dr. JAROSLAV BELAS
- Tez Türü: Doktora
- Konular: Ekonomi, Maliye, Economics, Finance
- Anahtar Kelimeler: Belirtilmemiş.
- Yıl: 2019
- Dil: İngilizce
- Üniversite: Tomas Bata University in Zlín
- Enstitü: Yurtdışı Enstitü
- Ana Bilim Dalı: Belirtilmemiş.
- Bilim Dalı: Belirtilmemiş.
- Sayfa Sayısı: 155
Özet
Özet yok.
Özet (Çeviri)
Information asymmetry and credit risk underlie in the reasons of credit access obstacles of Small and medium-sized enterprises (SMEs). In this regard, one of the purposes of the thesis is to find out constraints that stem from information asymmetries between firms and banks and also credit risks of SMEs in the bank credit access of Turkish SMEs. In order to solve asymmetric information and credit risk problems, the thesis aims to discover some factors that can influence bank lending decision to provide an easier access for those firms. Some methods that are based on hard data can solve the credit access issues. However, the nonexistence of audited financial statements and lack of complete and timely information provided by SMEs cause troubles for banks to evaluate SMEs' creditworthiness by financial indicators. To cope with this issue, the thesis suggests some variables that are based on soft information such as some attitudes of businesses and relationship between banks and firms. In this respect, the thesis supposes that by signaling their competencies and behaviors that are related with entrepreneurial orientation, SMEs can reduce banks' concerns about their credit risks in relationship lending. Another target of this thesis to widen entrepreneurs' perspective to cope with constraints of bank financing. By highlighting the importance of these entrepreneurial characteristics, the research makes entrepreneurs and SMEs to understand their competencies and significance of signaling those skills through their relationship with banks. By doing so, the thesis offers an alternative way for SMEs to gain bank financing and face with reduced obstacles in their credit access. Both banks and entrepreneurs can benefit from the outcomes of this research. By focusing on soft information such as SMEs' entrepreneurial characteristics banks can create new credit assessment methods to overcome credit default issues of SMEs. Moreover, the thesis can be useful for entrepreneurs to develop their entrepreneurial characteristics, and loan officers or loan managers can have better understanding of those behaviors. In this context, the thesis might be helpful for entrepreneurs and bank employees to improve their career and their working effectiveness. For these reasons, the research might be a useful resource in the academic field and business life by highlighting the importance of entrepreneurial ability and personal development in bank financing.
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