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(已修改)
2025-06-01 10:47 本頁面
【正文】 外文翻譯之二 THE DEVELOPMENT OF CORPORATE CREDIT INFORMATION DATABASE AND CREDIT GUARANTEE SYSTEM FINAL DRAFT REPORT 作者： Dr. Sharifah Mariam Alhabshi， Mr. Abdullah Azmi Abd. Khalid Prof. Dr. Barjoyai Bardai 國籍： Malaysia 出處： University of Malaya 原文正文： conclusion Firstly, government efforts toward enhancing the capability and capacity of SMEs as the country growth engine has been remarkable. Continuous multitypes assistance has been introduced for all levels of SMEs. Broadly success has been evident but not in all areas. Firstly, institutional issues relating to prehending the various schemes and identifying implementing agencies that run the schemes have confused not only SMEs but also financial institutions. Secondly, SME is dominated by micro enterprises. Demands and needs of micro enterprises may differ from small and definitely with medium enterprises. Therefore despite various efforts being introduced to enhance SMEs plaints are abound because the needs of micro enterprises have not been understood and therefore not met. For example, micro enterprises which started as cottage industries seldom have financial documentation to support their financial application and some have limited or no knowledge of the various financial schemes provided by government or financial institutions. Thirdly, the changing global environment has seen a mushrooming of of SMEs in Malaysia. The government has been developing and promoting SMEs but the results have been mixed, partly because policymakers were late in classifying the different needs and characteristics of micro, small and medium enterprises. The developments of diverse and internationally petitive SMEs are central towards achieving sustainable economic growth. SMEs have a key role to play in the wider development agenda, especially in relation to poverty eradication and equitabledevelopment among the various ethnic groups in Malaysia. CGC: Issues and Problems 1. Being a public credit guarantee institution, CGC has capitalized its monopolistic position in the SME financial market. In terms of capitalization and continuous funding, BNM and the financial institutions have always backed it. Without petition, it is able to pletely control the credit guarantee market. This is unhealthy, particularly in terms of an effective check and balance. 2. The usual plaints from the participating banks is that the CGC is s
畢業(yè)設(shè)計(jì)相關(guān)推薦
鄂ICP備17016276號-1