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عمومی::
رویکرد استاندارد اصلاح شده
In addition, the study shows that banks using the revised standardized approach (RSA) offer interest rates that have increased by 0.16% points for loans to SMEs with a poor rating.3 A survey concerning the financial situation of SMEs by the European Commission also shows that for 7% of SMEs in Germany the biggest challenge in their business operations was securing access to financing (Doove et al. 2015).
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