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-在線瀏覽
2025-07-31 10:47本頁面
【正文】 issatisfied 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 concluding chapter. Possible Routes of Developing the CGC in Malaysia in Meeting SMEs’ Financing Needs It would be possible to have another credit guarantee provider to cater for the large number of SMEs which require financing. This could be a financially sound and stable private entity with a wellestablished credit bureau. The rationale for this is to generate petition so that the credit guarantee panies, both public and private, can provide better products and services. The goal is to strive for greater effectiveness and efficiency in the critical areas of operations, delivery systems and customer service levels. If that is not possible, then another way is to eventually turn CGC into a fully independent private entity. A hint of this is already evident in CGC’s transformation plan. However, this would have some major policy implications, particularly regarding ownership and control. The question is to what extent would BNM reduce its dominance in CGC, bearing in mind the political and social dimensions in the larger SME framework and the total financial sector in Malaysia. The intellectual challenge would be to strike a right balance between government intervention and free enterprise. Being a partner and supporter of the SMEs and an important link between the SMEs and financial institutions, GCG’s role and functions would definitely bee more plex and multifaceted. As it makes forays into new and exciting areas like securitization and equity financing and possibly other sophisticated financial instruments in the future in line with its aim to bee financially sustainable, it must not lose sight on the increasing significance of microfinancing of SMEs. In the context of CGC, the range of loan size guaranteed between RM1,000 100,000 could indicate the microfinancing. However, it is interesting to note that although the number of loans guaranteed in this bracket was the highes
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