Banking Models of Small and Medium Size Enterprises in Poland
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The article concerns the process of creating and functioning of banking models for Small and Medium Size Enterprises (SME) in Poland. The main thesis of the article is the statement that despite significant consolidation changes, the banking sector in Poland was able to propose new innovative models of SME banking, which overcame the most of historical barriers to SME financing. Article distinguishes four fundamental models of SME banking; retail model, diversified platforms model, life cycle model and bond model. Using the banking achievements' assessment a thesis was set up that out of the number of proposed SME banking models, the client-bank bond model should be highly evaluated by SME clients. As author indicates a model used by co-operative financial institutions could achieve high evaluation. To justify this thesis research results were presented, basing on SME clients poll conducted within the framework of 'Business Friendly Bank' Contest in 2004. When analysing high evaluations received by the bond model a probable reason was indicated. The bond model can be perceived as the reaction for extensive standardisation and globalisation in banking (understood as consolidation tendencies) and sometimes as the negation of high technology solutions by the part of more traditional entrepreneurs. However simultaneously the clients' acceptance for new technologies is growing fast in the SME sector.
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