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2006 | 17 | 4 | 56-68
Tytuł artykułu

POLISH ENTERPRISES AS BORROWERS: A LOOK AT BANK STRATEGIES FROM THE OTHER SIDE OF THE MIRROR

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Warianty tytułu
Języki publikacji
PL
Abstrakty
EN
The article presents the opinions of enterprises about the relationship between lending banks and their clients. The authors confront these opinions with previously analyzed views and strategies declared by Polish banks.The article is based on a survey conducted on a sample of enterprises via the Internet in December 2005. The survey shows that enterprises are fully aware of the diversified treatment of borrowers by banks, even though banks declare that they treat everyone in the same way. The basic criterion seems to be the size of the company. Although many enterprises use the services of several banks at the same time, contrary to expectations, they tend to be loyal - in the sense of the long-standing nature of their contacts with their servicing banks. Companies generally attach more weight to their own reputation than their servicing banks. They also reveal a smaller (than widely believed) level of informational shortcomings involving providing incomplete data. Relations between banks and borrowers are largely influenced by the fragmentation of the banking sector, which encourages aggressive competition for the best clients and restricts access to loans for high-risk borrowers. It is possible to expect that small and medium-sized enterprises will find it increasingly easier to obtain loans as the banking sector undergoes progressive concentration, accompanied by growing competition from the international bond market.
Słowa kluczowe
Czasopismo
Rocznik
Tom
17
Numer
4
Strony
56-68
Opis fizyczny
Rodzaj publikacji
ARTICLE
Twórcy
autor
autor
  • M. Lissowska, Kolegium Analiz Ekonomicznych, Szkola Glówna Handlowa, al. Niepodleglosci 162, 02-554 Warszawa, Poland
  • M. Aciba, M. Lissowska, Kolegium Analiz Ekonomicznych, Szkola Glówna Handlowa, al. Niepodleglosci 162, 02-554 Warszawa, Poland
Bibliografia
Typ dokumentu
Bibliografia
Identyfikatory
CEJSH db identifier
06PLAAAA01252850
Identyfikator YADDA
bwmeta1.element.04b700c3-3123-3b62-84f5-da8340a4bb64
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