SMEs sector in Poland has limited abilities of getting bank credits, state and EU subsidies. It is only slightly supported by the state and it does not have access to the developed instruments of the EU financial market. Less stable financial and macroeconomic policy forces polish SMEs sector to use more risky methods and forms of financing their development, in the contrast of companies running on more stable Germany market. This difference in access to financing sources can reduce polish enterprises' value and drive them to bankruptcy on the common EU market.
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