UTICAJ I ULOGA BANAKA U RAZVOJU PREDUZETNIČKE AKTIVNOSTI – ANALIZA MOGUĆNOSTI POSLOVANJA PREDUZETNIKA U BIH I AUSTRIJI / INFLUENCE AND THE ROLE OF BANKS IN THE DEVELOPMENT OF ENTREPRENEURIAL ACTIVITY - ANALYSIS OF POSSIBILITIES OF ENTREPRENEURS IN BIH AND AUSTRIA

Abstract

By the banking industry in the last 20 years there has been a huge encouragementto the development of small and medium-sized enterprises, which are becoming supporter ofthe development of each country. Banking and entrepreneurship have much in common, and so there is a constant interaction and interdependence between the two industries. The most important meeting point of mutual long-term relationship is that banks are the main sources of financing micro, small and medium enterprises. However, in their operations, banks are often turned themselves with the clear aim of achieving maximum profit. The ultimate goal can significantly affect the relationship with SMEs aggravating their business. With the strengthening or weakening of the mutual relations, comes to the strengthening or weakening of entrepreneurship. The entrepreneur must take into account all the factors that are relevant to their business and should have sufficient financial resources to complete the process of business, as this may result in problems with the business and eventually to bankruptcy. Without adequate accompaniment of financial institutions is difficult to achieve business success and provide unhindered growth and development of entrepreneurial ventures. The polling of entrepreneurs operating in the country or Austria, and the analysis of their responses we argue that where the conditions for starting a business, high interest rates, the possibility of lending, infrastructure, taxes better and more accessible to entrepreneurs.