PL EN


2016 | 8 | 33-46
Article title

Kredyt bankowy jako zewnętrzne źródło finansowania dla przedsiębiorstw rozpoczynających działalność gospodarczą

Content
Title variants
EN
Bank credit as an external source of financing for enterprises beginning an economic activity
Languages of publication
PL
Abstracts
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.
Year
Issue
8
Pages
33-46
Physical description
Dates
published
2016-12-18
Contributors
  • Zakład Finansów i Rachunkowości, Instytut Ekonomii i Zarządzania, Państwowa Wyższa Szkoła Techniczno-Ekonomiczna w Jarosławiu
References
Document Type
Publication order reference
Identifiers
YADDA identifier
bwmeta1.element.desklight-621ec57d-d593-4947-9d9c-4a9ea244415f
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