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Ekonomika
2021, vol. 67, br. 2, str. 35-46
Ekosistem MSP i podrška finasiranja banaka u Srbiji
Kvrgić Gorana ORCID, Milošević Dragana ORCID, Ćorić Goranb ORCID
aUniverzitet 'Union - Nikola Tesla', Fakultet za menadžment - FAM, Sremski Karlovci
bUniverzitet Singidunum, Poslovni fakultet, Beograd

e-adresa: goran.kvrgic@famns.edu.rs, dragan.milosevic@famns.edu.rs, gcoric@outlook.com
Ključne reči: mala i srednja preduzeća; ekosistem podrške; pristup finansijama; banke; Srbija
Sažetak
Jača svest o mogućnosti da bi tekuća kriza likvidnosti mogla dovesti do krize solventnosti, jer mnoga MSP nadoknađuju svoje opadajuće prihode preuzimanjem većeg duga, često uz državnu podršku. 2020. godine nivo insolventnosti i bankrota je još bilo moguće kontrolisati, dok se njihovo povećanje očekuje u 2021. godini. To postavlja pitanje efikasnosti ekosistema i politika podrške MSP kojima su potrebna u ovim okolnostima finansijska sredstva koja ih istovremeno ne bi dovodila u dodatna dugovanja. Ova pitanja su motivisala autore da u radu istraže pristup spoljnim izvorima finansiranja - bankarskim kreditima u okviru ekosistema podrške MSP. U radu se dalje analizira kvalitet drugih dimenzija, pravnog i regulatornog okvira, opcije kolateralizacije, kreditnog informacionog sistema i finansijska pismenost. U radu su korišćene deskriptivne statističke metode, kao i terenska i desk istraživanja. Ključni rezultati potvrdili su da mala i srednja preduzeća stvaraju unosnije prihode celoj nacionalnoj ekonomiji ako im se u kvalitetnom pristupu bankarskim izvorima finansiranja pružaju i bolji modeli usluga, tehnološki napredniji kao klijentima-što je i hipoteza ovog istraživanja. Skupa regulacija finansijskih tržišta, nerazvijene šeme finansiranja ili garancija koje finansira država, visoki parafiskalni nameti mogli bi, s druge strane, dalje narušiti poslovni ambijent za poslovanje malih i srednjih preduzeća.
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O članku

jezik rada: engleski
vrsta rada: izvorni naučni članak
DOI: 10.5937/ekonomika2102035K
primljen: 29.10.2020.
prihvaćen: 17.01.2021.
objavljen u SCIndeksu: 23.07.2021.
Creative Commons License 4.0

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