Bariery kredytowania małych przedsiębiorstw

Abstract

Accessibility to banks’ credits for many small enterprises is limited in considerable degree. The main aim of the article is to perform opinions of both the banks as well as firms applying about credits resulting from analyses and researches about barriers of giving credits to small firms. In the article accepted foundation, that banks although competing about financial service of small firms, they create them many limitations in access to credits still. Both banks as well as businessmen perceive that credit limitations in our economy still exist, which are relating to six main categories: the guarantee, cost of credit, economical-financial situation of enterprises, complicated procedures, sociological-psychological barriers as well as credit frauds.