集群合作背景下中小企业对金融风险的认识

IF 3.2 Q1 BUSINESS, FINANCE Quantitative Finance and Economics Pub Date : 2019-09-16 DOI:10.3934/qfe.2019.3.586
Katarína Havierniková, M. Kordoš
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引用次数: 8

摘要

虽然中小企业是集群中数量最多的成员,但他们的许多代表并不知道这种合作的好处,他们普遍认为这是一种风险。因此,集群是中小企业可持续发展的一种形式。本文的重点是提供一个分析框架,通过描述与集群合作相关的金融风险,研究中小企业对选定风险指标的感知。而风险指标则通过五大类金融风险来呈现。为了达到本文的主要目的,采用了以下研究方法:卡方检验比较所述被调查者群体之间的统计学显著性差异,z得分调查个体反应的统计学显著性差异,帕累托分析确定最重要的风险指标,关键风险矩阵评估风险指标的水平。结果表明,集群合作中最重要的风险指标来自于经营风险类别,它们与集群合作的主要问题有关:人为因素失效、法律风险和自身信誉损失风险。这些结果突出了金融风险的重要性,对于中小企业、其他利益攸关方和决策者来说,克服集群合作发展中的障碍可能是必要的。本文的附加值在于从多个角度比较中小企业对风险指标的感知,并将最终的评价与那些有过或有过集群合作经历的中小企业的感知联系起来进行比较。
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The SMEs perception of financial risks in the context of cluster cooperation
Although, the Small and Medium-sized enterprises are the most numerous members in clusters, many of their representatives do not know benefits from this type of cooperation and they perceive it as a risky in general. Whereby, the clusters present one form of sustainable development of SMEs business. The focus of this paper is to provide an analytical framework in which the SMEs' perception of selected risk indicators is investigated by characterizing the financial risks related to cluster cooperation. While risk indicators are presented through five main categories of financial risks. To gain the main aim of this paper following research methods were used:Chi square test to compare statistical significant differences between the stated groups of respondents, Z-score to investigate the statistically significant differences in individual responses, Pareto analysis to determine the most important risk indicators and Key risk matrix to assess the level of risk indicators. The results have showed, that most important risk indicators are from category of business risks and they related with main issues of cluster cooperation:human factor failure, legal risk and risk related to lose of own reputation. These results highlighted the importance of financial risks that may be necessary for SMEs, other stakeholders and policy makers to overcome the barriers in development of cluster cooperation. The added value of this paper is the comparison of SMEs' perception of risk indicators from several points of view and final evaluation is connected and compared with the perception of those SMEs that have or had experience with cluster cooperation.
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来源期刊
CiteScore
0.30
自引率
1.90%
发文量
14
审稿时长
12 weeks
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