外文翻譯---企業(yè)信用數(shù)據(jù)庫和擔(dān)保體系的開發(fā)-數(shù)據(jù)庫-文庫吧
2025-04-17 10:47 本頁面
【正文】 low to process its guarantee covers and that the guarantee fees that it charges are, on the whole, too high. This is on top of the processing fees charged by the banks and CGC (in the case of the DAGS) and the interest payments. 3. CGC’s response to the above is that the guarantee fee it charges is not a burden, considering the fact that it is covering 80% of the risk as pared to the 20% risk carried by the banks. The guarantee fee is one of the sources of ine for CGC. CGC states that this issue needs to be corrected and resolved immediately through a negotiated policy decision. 4. Many SMEs have voiced their grievances on the long bureaucratic time for CGC to arrive at its decisions for the guarantee covers. There have been cases where documents already submitted have either been misplaced or lost. On the issue of delays in processing the loans and guarantees, the CGC states that this is often due to the submission of inplete documents and late submission of documents or information by the applicants. 5. From the CGC’s perspective, this asymmetrical information is mainly due to the inexperience and an inadequate understanding by the SMEs in preparing loan documentation process. The CGC also stress that the business proposal from SMEs must be viable and based on its internal 5Cs criteria Credit, Character, Capacity, Collateral and Condition. 6. Additionally, to improve the information flow in the application process, CGC suggests that this could be done by expanding advisory and handholding services. One avenue would be leveraging on the services of the SME Credit Bureau, which serves as a onestop centre of information on SMEs. But this would take some time since the SME Credit Bureau which is owned by CGC only started operations in 2020. 7. There have also been cases where the participating banks have approved the loans (nonDAGS) of some SMEs but were finally rejected by the CGC. No concrete reasons were given for the rejections. 8. The public image of the CGC and its employees is not that good. This could be due to its placency as a monopolistic public guarantee provider. It has rarely municated well with the public. To this criticism, CGC mentions that it has a wellpackaged ongoing corporate munication programme including road shows and media coverage, except television. Policy Discussion, Future Development of SMEs and Credit Guarantee Cooperation Broadly this study examines the curr
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