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Bankernas kriterier för utlåning av kredit till nya SMF
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
2016 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Syfte: Syftet med denna uppsats är att undersöka vilka faktorer som kan vara avgörande vid en kreditbedömning på ett nystartat SMF.Metod: Uppsatsen bygger på en kvalitativ och abduktiv metod, med komplement av kvantitativ data. Primär data består av en fallstudie som baserar sig på två intervjuer och en surveyundersökning till 36 bankrådgivare. Detta kompletteras med en dokumentundersökning från bankerna.Empiri: Empirin baseras på intervjuer med två bankmän som arbetar som bankrådgivare. En survey har skickats via e-post till 36 olika bankrådgivare runt om i Sverige bland de fyra storbankerna.Slutsatser: Uppsatsen visar att bankerna har en del kriterier som de tittar på när de beviljar en kredit till nytt SMF. Dessa skiljer sig från fall till fall, men faktorer som bra och långvarig relation med banken och ägaren själv, ses ha tyngre vikt.

Abstract [en]

Purpose: The purpose of this paper is to examine the factors that can be crucial to a credit assessment of a newly established SME.Methodology: The essay is based on a qualitative and abductive method, with the addition of quantitative data. The primary data consists of a case study based on two interviews, and a survey on 36 investment banker. It is supplemented with documents examination from the banks.Empirical foundation: The empirical data is based on interviews with two bankers who works as business advisors. A survey was also sent by email to 36 different business advisors around Sweden among the four major banks.Conclusions: The thesis shows that the banks have some criteria that they are looking at when granting credit to new SMEs. These differ from case to case, but factors such as good and long lasting relationship with the bank and the owner himself, seems to have heavier weight

Place, publisher, year, edition, pages
2016. , 63 p.
Keyword [en]
Small and medium enterprise, new credits, information asymmetry and criteria
Keyword [sv]
Små och medelstora företag, nya krediter, informationsasymmetri och kriterier.
National Category
Business Administration
Identifiers
URN: urn:nbn:se:miun:diva-27612OAI: oai:DiVA.org:miun-27612DiVA: diva2:926924
Subject / course
Business Administration FE1
Educational program
BSc Programme in Business and Economics SEKOG 180 higher education credits
Supervisors
Available from: 2016-05-10 Created: 2016-05-10 Last updated: 2016-05-10Bibliographically approved

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Citation style
  • apa
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  • vancouver
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Language
  • de-DE
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  • nn-NO
  • nn-NB
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  • Other locale
More languages
Output format
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