工商管理外文翻譯---貸款擔保的違約成本和對小企業(yè)的利處-工商管理-免費閱讀
【正文】 此外，對貸款人的動機分析表明擔保貸款組合的違約率和履行擔保的成本對保證水平特別敏感。最后，研究表明，貸款擔保計劃是支持本身具有風險的新型企業(yè)發(fā)起、存在和生存的有效方式。類似的 計劃，實際上，在其他國家例如 加拿大，日本，英國，韓國和德國 都存在。 GEORGE HAINES JR. 國籍： Canada 出處： Carleon University, Ottawa, Ontario, Canada 原文正文： Governments of most countries seek to encourage Small and Medium Sized Enterprise (SME) growth and the job creation that many believe is fostered by such growth. Substantive growth usually requires expansion capital. It is often perceived that pared with larger firms, SMEs face disproportionately less access to the debt capital they need for startup, growth, and , governments and trade associations have often intervened in credit markets by taking on the role of guarantor of loans that financial institutions advance to SMEs. For example, the Small Business Administration in the United States provides guarantees of loans made by banks to qualifying small firms. Similar schemes are in effect in, among other countries,Canada, Japan, the ., Korea, and Germany. Trade associations
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