1、字数：英文 2905 单词， 15898 字符；中文 4887 汉字 出处： Kozubkov L, Homolka L, Kristalas D. The Effect of Business Environment and Entrepreneurs Gender on Perception of Financial Risk in The Smes SectorJ. Journal of Competitiveness, 2017, 8(1):36-50 外文文献： The Effect of Business Environment and Ent
2、repreneurs Gender on Perception of Financial Risk in The Smes Sector Abstract Small and medium-sized enterprises (SMEs) are crucial, and not only for the Czech economy. Their sustainable growth is important for the economy of most European countries. Because of this, the issues surrounding the
3、ir financing, government support and public perception are widely discussed. The problems connected with external financing of SMEs are closely related to effective management of financial risk, which can minimize competition, create better financial structure and increase the firms competitiveness.
4、 Our results of the questionnaire survey in the Czech Republic in 2015 were obtained using Structural Equation Modelling (SEM) and revealed a factor which the male sample believed to be an important influence on the perception of financial risk is a banks approach to business. This factor is signifi
5、cantly influenced by knowledge, rules and principles including the knowledge of banks credit conditions, their transparency and the ability of entrepreneurs to manage financial risks. In the female sample, state and public perception showed to be much more important in the perception of financial ri
6、sk. Male entrepreneurs mitigate financial risks through a banks assistance whereas female entrepreneurs emphasize the role of society. Keywords: small and medium-sized enterprises, financial risk, government support, social environment, banks approach, Czech Republic 1.INTRODUCTION Filser, Eggers, Kraus and Mlovics (2014) state that the increasing pressure from globalization on todays firms makes it hard to develop enduring competitive advantages, and improve business performance or create sustain
