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fied as a Development Financial Institution (DFI). There is no clarity about CGC’s functions and responsibilities as a DFI. Can a public credit guarantee pany at the same time be a DFI? Do they have the same roles, functions and responsibilities? Logically, it means plexity and haziness. If the CGC is mandated to be a DFI, then it should publicly explain and clarify this issue, to avoid confusion. 企業(yè)信用數(shù)據(jù)庫和擔(dān)保體系的開發(fā) 作者: Sharifah Mariam Alhabshi 博士 Abdullah Azmi Abd. Khalid 先生 Barjoyai Bardai 教授(博士) 國籍:馬來西亞 出處:馬來亞大學(xué) 中文譯文: 一、總結(jié) 首先、政府在提高中小企業(yè)的能力作為國家經(jīng)濟(jì)增長(zhǎng)的引擎方面的努力已經(jīng)變得十分明顯。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