【正文】 符合東盟鼓勵(lì)私人和公共部門(mén)之間協(xié)同促進(jìn)中小企業(yè)的發(fā)展，馬來(lái)西亞的商業(yè)銀行、 DIFs和政府機(jī)構(gòu)嚴(yán)格協(xié)同、指導(dǎo)中小企業(yè)，并為其融資以促進(jìn)中小企業(yè)發(fā)展。 從信用擔(dān)保公司的角度看，這種信息不對(duì)稱(chēng)主要是由于中小企業(yè)在貸款文件過(guò)程中缺乏經(jīng)驗(yàn)和理解不完全引起的。政府也一直致力于發(fā)展和提高中小企業(yè)，但結(jié)果有好有壞，部分原因是政策制定者在區(qū)分微型企業(yè)、小型企業(yè)和中型企業(yè)的不同需求和特點(diǎn)方面滯后。 to consider a suitable regional cooperation mechanism to create a harmonised information sharing system。由于沒(méi)有競(jìng)爭(zhēng)，它能夠完全控制信貸擔(dān)保市場(chǎng)。 此外，也有參與信貸擔(dān)保的銀行已經(jīng)批準(zhǔn)了一些中小企業(yè)的貸款（非 DAGS）的情況下最終被擔(dān)保公司拒絕的案例。事實(shí)上，部分已經(jīng)邁出了關(guān)鍵的挑戰(zhàn)，甚至在一定程度上索進(jìn)入國(guó)際市場(chǎng)的可能性。 三、政策討論、中小企業(yè)和信貸擔(dān)保合作的未來(lái)發(fā)展。擔(dān)保費(fèi)是信貸擔(dān)保公司的收入來(lái)源之一。微型企業(yè)的需求可能不同于小企業(yè)，無(wú)疑更不同于中型企業(yè)。 其次，中小企業(yè)以微型企業(yè)為主。并且考慮到事實(shí)，與銀行承擔(dān)的 20%風(fēng)險(xiǎn)相比，信貸擔(dān)保公司覆蓋了 80%的風(fēng)險(xiǎn)。對(duì)于這種批評(píng)，信貸擔(dān)保公司表示它有一個(gè)打包良好的且正在進(jìn)行的溝通方案，包括路演和媒體的報(bào)道，但除了電視。另一方面，由于技術(shù)和社會(huì)原因，部分不能與中小企業(yè)的快速發(fā)展保持同步。并且擔(dān)保公司并沒(méi)有給出拒絕擔(dān)保的具體理由。這種狀態(tài)是不健康的，特別是在有效制衡方面。 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 entering the international market. On the other hand, some, due to technical and social reasons, simply cannot keep pace rapid development of SMEs. The gap is incrementally been bridged as discussed in this conc