外文翻譯---企業(yè)信用數(shù)據(jù)庫和擔保體系的開發(fā)-數(shù)據(jù)庫-免費閱讀
【正文】 一方面，政府機構(gòu)和金融機構(gòu)已經(jīng)成功的教育和揭示了中小企業(yè)在這方面的機會。 本調(diào)研廣泛地調(diào)查了馬來西亞信貸登記機構(gòu)和信貸局的現(xiàn)狀和它們的未來發(fā)展前景；在充分調(diào)查制度框架的基礎(chǔ)上，為企業(yè)尤其是中小企業(yè)建立一個信貸信息數(shù)據(jù)庫；考慮一個合適的區(qū)域合作機制，以創(chuàng)造一個協(xié)調(diào)信息共享系統(tǒng)；回顧了信貸擔保系統(tǒng)的現(xiàn)狀并確定信用擔保體 系發(fā)展面臨的挑戰(zhàn)。但由信貸擔保公司成立的中小企業(yè)管理局從 2020年才開始運作，因此這需要很長一段時間才能實現(xiàn)。信貸擔保公司表明這個問題需要通過協(xié)商政策決定來糾正和解決。在股本和持續(xù)資金方面，國家銀行和金融機構(gòu)一直支持著它。因此，盡管在提高中小企業(yè)方面付出了各種努力，但針對中小企業(yè)的投訴卻比比皆是。 to scrutinise adequate institutional frameworks of credit information database for firms, especially SMEs。首先，不只中小企業(yè)，金融機構(gòu)在理解各項計劃和確定實施這些計劃的政策的體制問題方面混淆不清。發(fā)展中小企業(yè)的多樣化和全球競爭性是去的可持續(xù)經(jīng)濟發(fā)展的中心點。 信貸擔保公司對銀行的控訴的反應是其收取的擔保費并不是一種負擔。信貸擔保公司還強調(diào)中小企業(yè)的商業(yè)計 劃必須是可行的，并且是基于其內(nèi)部 5C（信用、性格、能力、抵押品和條件）標準的。它很少于公眾進行溝通。這份藍圖確認了中小企業(yè)在少于五年內(nèi)得到的改善。正如最后總結(jié)里提到的，這些差距在不斷彌補。但是，政策建議我們提出關(guān)于信貸登記處（或信貸局）未來發(fā)展方面的考慮用以提高和加強馬來西亞中小企業(yè)的水平和實力。 信貸擔保公司及其員工的公眾形象并不好。在處理問題遲緩這個問題上，信貸擔保公司則表明這主要是因為申請人提交的文件不完整或提交信息和文件誤期等等。 通常，來自參與信貸擔保的銀行的控訴主要是信貸擔保公司處理信貸擔保事件的速度太慢，并且就整體而言，其收取的擔保費過高。 第三，在不斷變化的全球環(huán)境下，馬來西亞的中小型企業(yè)如雨后春筍般出現(xiàn)。持續(xù)多樣的援助已經(jīng)被引入各種水平的中小企業(yè)。 to review the current situation of the credit guarantee system, and identify the challenges for developing the credit guarantee system. Accordingly, we have surveyed 652 SMEs and interviewed the Credit Guarantee Corporation (CGC), the SME Credit Bureau, selected mercial banks, development financial institutions and government agencies. These surveys and interviews may be subject to various limitations, bearing in mind the time and financial constraints. Nevertheless, the policy suggestions that we put forward for consideration regarding the future development of the credit registry/ bureau and the credit guarantee system in Malaysia are aimed at enhancing and strengthening the SMEs in Malaysia. In line with the ASEAN blueprint which encourages synergy between private and public sectors in enhancing SMEs development, mercial banks, DFIs and government agencies in Malaysia are rigorously collaborating with, guiding and financing for SMEs development. The blueprint is confirming the improvement that has been made by SMEs within a period of less than five years (this is based on DOS survey of 2020 and Bank Negara Report 2020). Nevertheless for reasons explained in this report, (Table ) many SMEs are still dissatisfied with services provided to them. One can look at this discontent from two perspectives. On the one hand government agencies, financial institutions have succeeded in educating and exposing the SME of available opportunities. Indeed some have taken the challenge even to the extent of exploring the possibility of
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