Wyniki wyszukiwania - Biblioteka Nauki

1

Kredyt bankowy jako zewnętrzne źródło finansowania dla przedsiębiorstw rozpoczynających działalność gospodarczą

100%

Wilczyńska M.

Przedsiębiorstwo i Region

|

2016

|

nr 8

33-46

EN

Sector of small and medium-sized enterprises (SMEs) is significant in every market economy. Small and medium-sized enterprises are generally considered as an element powering the economy despite the economic slowdown in Poland and turbulences in the economies of Member States of the European Union. Micro-enterprises have the largest share of enterprises belonging to the SME sector - in Poland, they consist of 95.7% of the market (in the European Union - 92.2%). This sector produces a significant portion of GDP and generates numerous workplaces. Their share in the GDP over 5 years remains at similar level and amounts to 48.5%. However, SMEs are often confronted with market imperfections. They have difficulties in obtaining capital or credit, particularly in the start-up phase of the enterprise. Financial resources are their foundation. What is more, they are the basis for the operation of each enterprise. In Poland, there are various possibilities of obtaining financing sources; however, their variety does not imply that all parties have equal access to these resources. Currently, the most important source of funding, in addition to equity capitals, are bank credits. The aim of this paper is to present a credit offer for enterprises beginning an economic activity by selected institutions of the Polish banking sector.

2

Krótkoterminowe kredyty bankowe dla przedsiębiorstw w warunkach kryzysu finansowego

100%

Mikołajczak P.

|

2014

|

nr 2(19)

122-137

EN

The economic slowdown in Poland, which is mainly a consequence of the ongoing global financial crisis since 2008, exposed Polish firms to the danger of loss of liquidity risk arising among others from the deteriorating financial condition of companies and limited access to short-term finance. It determines not only the proper functioning of any enterprise, but often the ability of surviving on the market. The article presents the results of analyzes of relationship between the dynamics of changes in different types of short-term loans and the gross domestic product. It also presents the most important types of financial crises and the factors that determine them. An attempt was made to present the credit policy of banks to changes in the economic situation in Poland.

3

Kredyt czy leasing przy inwestycji unijnej

75%

Szymczak A.

|

2007

|

tom R. 9, nr 9

52-53

PL

Dotacje dla firm są refundacją poniesionych kosztów, co oznacza, że dotacja jest wypłacana dopiero po zakończeniu realizacji projektu i uregulowaniu wszystkich zobowiązań wobec dostawców wynikających z tego tytułu. Takie podejście do tematu połączone z brakiem zaliczek wypłacanych przy zawieraniu umowy o dotację powoduje konieczność zapewnienia środków finansowych na całą inwestycję, czyli wydatków kwalifikowanych i niekwalifikowanych. Zakupy zazwyczaj są finansowane ze środków kredytu bankowego bądź leasingu. Warto nadmienić, że wypłata dotacji jest inna dla każdego z tych przypadków.

4

Analiza finansowania inwestycji termomodernizacyjnych za pomocą kredytów bankowych

75%

Michalak P.

|

2006

|

tom R. 37, nr 7-8

32-36

PL

W artykule przedstawiono podstawowe rodzaje kredytów bankowych. Omówiono finansowanie inwestycji termomodernizacyjnych za pomocą kredytów oraz przedstawiono wpływ podstawowych parametrów kredytu (oprocentowanie, czas kredytowania) na obciążenie finansowe inwestora.

EN

The basic types of bank credits are presented. Financing of thermal modernisation investments, by using the credits, is included. The influence of the basic credit parameters (the interest, credit period) on the financial charge of an investor is also given.

5

Społeczna odpowiedzialność biznesu w sektorze bankowym a realizacja koncepcji odpowiedzialnego kredytowania

63%

Waksmundzka K.

Prakseologia

|

2012

|

nr 152

185-200

EN

The aim of the article is to combine corporate social responsibility (CSR) in the banking sector with the idea of responsible lending. Because CSR concerns stakeholders and borrowers, it may seem obvious that implementation of the two ideas should be parallel. Yet banks, desspite the implementation of CSR, do not act with the idea of responsible lending. By ignoring responsible lending, sometimes banks do a disservice to their borrowers. Examples of banks operating in Poland provide empirical support for this thesis.

6

Zależności miedzy wykorzystaniem kredytu handlowego i bankowego w świetle teorii i badań

51%

Ziętek-Kwaśniewska K.

|

2013

|

tom 5(41)

171-190

EN

This article deals with the problems related to the use of trade credit in financing business operation against the background of the other source of external capital – bank credit. The article is a review of selected literature on the relationship between the two above-mentioned forms of financing. Analysing the literature of the subject, one can conclude that trade credit can be a substitute for bank credit. There are also a growing number of publications that pinpoint an informational role of trade credit, which can be used by banks to update their assessment of the creditworthiness of a business. For the sake of topicality, special emphasis has been paid to the relationship between the use of trade credit and bank credit in selected cases of financial crisis.