Metrika

  • citati u SCIndeksu: 0
  • citati u CrossRef-u:0
  • citati u Google Scholaru:[]
  • posete u poslednjih 30 dana:9
  • preuzimanja u poslednjih 30 dana:4

Sadržaj

članak: 1 od 103  
Back povratak na rezultate
2021, vol. 67, br. 2, str. 35-46
Ekosistem MSP i podrška finasiranja banaka u Srbiji
aUniverzitet 'Union - Nikola Tesla', Fakultet za menadžment - FAM, Sremski Karlovci
bUniverzitet Singidunum, Poslovni fakultet, Beograd

e-adresagoran.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.
Reference
Abreu, M., Mendes, V.V. (2010) Financial literacy and portfolio diversification. Quantitative Finance, 10(5): 515-528
Atkinson, A. (2017) Financial education for SMEs and potential entrepreneurs. OECD Working Papers on Finance, Insurance and Private Pensions, No. 43
Barua, C., Gati, B., Havas, A., Lajumoke, T., Radnai, M., Taraporevala, Z. (2019) How banks can use the ecosystem to win in the SME market. McKinsey
Durkalić, D., Ćurčić, M. (2019) Međusobni uticaj potraživanja bankarskog sektora i međunarodne investicione pozicije Republike Srbije. Ekonomika, vol. 65, br. 1, str. 95-106
EC (2018) DigComp 2.1: The Digital Competence Framework for Citizens with eight proficiency levels and examples of use. Brussels
EC (2018) SME Performance Review. Brussels, https:// ec.europa.eu/growth/smes/business-friendly-environment/performance-review_ en (accessed on 30 April 2020)
EC (2017) Survey on the access to finance of enterprises (SAFE). u: Analytical Report
European Commission (2008) Think small first: A small business act for Europe. Brussels, vailable at http://ec.europa.eu/transparency/ regdoc/rep/1/2008/EN/1-2008-394EN-F1-1.Pdf (assessed 12.04.2020)
European Commission (2018) Proposal for a Council Recommendation on Key Competences for Life-Long Learning. Brussels, https://eur-lex.europa.eu/ legalcontent
Grozdanić, R., Radović, M., Kvrgić, G., Jevtić, B. (2012) Investment in Innovation of SMEs: Evidence from Balkan Countries. Metalurgia International, 17(10): 176-179
Jevtić, B., Zakić, N., Popović, J., Ćorić, G., Kvrgić, G. (2020) Digital Challenges for SMES Organisations in Human Capital Investments and Change. u: Economic and Social Development: Book of Proceedings, Belgrade, 20--29. https://www. esd-conference.com/upload/book_of_proceedings/ Book_of_Proceedings_ esdLisbon 2020_Online.pdf
Jevtić, B., Vučeković, M., Radulović, D. (2014) Technological innovations: Evidence from Serbia. International Review, br. 3-4, str. 27-33
Ministry Of Economy (2018) Report on Small and Medium-Sized Enterprises in Serbia for 2017. Belgrade: SME and Entrepreneurship Department, Accessed on 30 April 2020
NBS (2018) Overall Payment System Indicators. https:// www.nbs.rs/internet/english/35/statistika/index.html (accessed on 14 January 2019)
OECD (2018) Financing SMEs and Entrepreneurs 2020: An OECD Scoreboard. Paris: OECD Publishing
OECD (2019) SME Policy Index: Western Balkans and Turkey 2019: Assessing the Implementation of the Small Business Act for Europe
PPS, NALED, USAID Public-Private Dialogue for Growth. Belgrade: National Alliance for Local Economic Development, http://www.jpd.rs/ oprojektu.php. (Accessed on 30 April 2020)
Reiserer, A. (2019) Report on conditions for SMEs in Western Balkans. EBRD
Simonović, Z., Petrović, D., Ćurčić, N. (2019) Production of grapes and wine in Serbia. Ekonomika, vol. 65, br. 4, str. 11-20
The Republic Of Serbia (2014) Regulation on Rules for State Aid Granting. Republic of Serbia: Ministry of Finance, http://www.mfin.gov.rs/UserFiles/ File/ drzavna%20pomoc/Uredba%20o% 20pravilima %20za %20dodelu%20 drzavne%20pomoci.pdf. (Accessed on 30 March 2020)
Tradingeconomics (2020) Loans to the private sector. available at https:// tradingeconomics.com/serbia/loans-to-private-sector (visited 12.042020
Vienna Initiative (2014) Credit Guarantee Schemes for SME Lending in Central, Eastern and South-Eastern Europe. u: Vienna Initiative Working Group on Credit Guarantee Schemes
Vojteski-Kljenak, D., Lukić, R., Kvrgić, G. (2013) The Inventory Management Efficiency Impact on the Performance of Trade in Serbia. Metalurgia International, 18(2): 183-189
World Bank (2018) Higher but fragile growth. Western Balkans Regular Economic Report, No. 14, http://pubdocs.worldbank.org/ en/194301538650996304/rev2-WBRER14-WQ-web-ENG.pdf (accessed on 15 April 2020)
World Bank (2018) Global Financial Development Database. https://www. worldbank.org/en/publication/gfdr/data/global-financial-development-database. (Accessed on 20th April 2020)
World Bank (2018) World Bank Open Data (database). https://data. worldbank.org/ (accessed on 19 November 2018)
World Bank (2018) Doing Business 2019: Training for Reform. Washington, DC: World Bank, http://www.doingbusiness.org/en/doingbusiness
World Bank (2016) World Development Indicators 2016. Washington, DC, https://doi.org/10.1596/978-1-4648-0683-4
World Bank (2019) World Bank Country and Lending Groups. https://doi.org/10.1596/30977
 

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

Povezani članci

Ekonomika poljoprivrede (2019)
Influence of financial technology (fintech) on financial industry
Musabegović Ismail, i dr.

Ekonomika poljoprivrede (2020)
Factors important for achieving the competitiveness of industrial and agroindustrial products
Ćurčić Nikola, i dr.

Ekonomika preduzeća (2019)
Digitalizacija poreske administracije u Srbiji
Pitić Goran, i dr.

prikaži sve [13]