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The aim of this article is to define and compare the major determinants of financial and credit risks between micro-, small and medium enterprises. The research of entrepreneurs’ opinions about business environment in Czech Republic was carried out in 2015. We found that financial risk intensively impacts business environment, while only a small group of entrepreneurs stated they are able to properly manage those risks. Entrepreneurs agreed that the importance of credit risk increased during the crisis. Small and medium enterprises demonstrated better knowledge of credit conditions of commercial banks and gave more positive assessment of the transparency of these conditions as compared to micro-enterprises. © CSR, 2015.