Credit Guarantee Institutions And Sme Finance
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Credit Guarantee Institutions And Sme Finance
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Author : Paola Leone
language : en
Publisher: Springer
Release Date : 2012-01-17
Credit Guarantee Institutions And Sme Finance written by Paola Leone and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-01-17 with Business & Economics categories.
This book analyses and confronts the functioning of guarantee systems for SMEs in countries where these schemes had an important development. The book also highlights how the current financial crisis is modifying the guarantees schemes, through policy maker interventions.
Unlocking Sme Finance In Asia
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Author : Naoyuki Yoshino
language : en
Publisher: Routledge
Release Date : 2019-07-01
Unlocking Sme Finance In Asia written by Naoyuki Yoshino and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-07-01 with Business & Economics categories.
There is limited access for small and medium-sized enterprises (SMEs) to bank credit. This book proposes new and sustainable models to help ease the access of SMEs to finance and boost economic growth and job creation in Asia. This book looks at the difficulties of SMEs in accessing finance and suggests ways on how to mitigate these challenges. It suggests how we can develop credit information infrastructures for SMEs to remedy the asymmetric information problem and to utilize credit rating techniques for the development of a sustainable credit guarantee scheme. The book provides illustrations of various Asian economies that implemented credit guarantee schemes and credit risk databases and is a useful reference for lessons and policy recommendations.
A Guide To Sme Financing
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Author : D. Munro
language : en
Publisher: Springer
Release Date : 2013-07-26
A Guide To Sme Financing written by D. Munro and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-07-26 with Business & Economics categories.
A Guide to SME Finance is a brief guide to designing and implementing an SME finance program within a commercial bank or other financial institution, such as an NGO. This work covers the rationale behind SME finance why it makes sense for a bank to enter this market sector, followed by a step-by-step approach to designing and implementing the program. Munro highlights the need to automate the lending process, and offers a lengthy description of how this can be accomplished. Examples of loan application, analysis, and approval forms and templates are included along with instructions for use. Additional formats are provided for loan officer goals and periodic reviews, portfolio and relationship profitability management, as well as a model credit score card to use as a 'sift' for loan applicants.
Financing Smes And Entrepreneurs 2013 An Oecd Scoreboard
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Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2013-08-23
Financing Smes And Entrepreneurs 2013 An Oecd Scoreboard written by OECD and has been published by OECD Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-23 with categories.
The Scoreboard presents data for a number of debt, equity and financing framework condition indicators for financing SMEs and entrepreneurs.
Credit Guarantees
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Author : Asian Development Bank
language : en
Publisher: Asian Development Bank
Release Date : 2016-10-01
Credit Guarantees written by Asian Development Bank and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-10-01 with Business & Economics categories.
The Pacific Private Sector Development Initiative---a regional technical assistance facility cofinanced by the Asian Development Bank (ADB), the Government of Australia, and the Government of New Zealand---has undertaken landmark secured transaction reforms in eight Pacific Island countries. These reforms have unlocked the value in "movable" assets such as machinery, inventory, and accounts receivable for use as collateral in borrowing. They have the potential to benefit businesses and financial institutions that offer business loans. Yet, despite these reforms, financial institutions remain unwilling to lend. Businesses still find it hard to access the credit they need to grow, which in turn creates jobs and drives the economic activity so desperately needed in the Pacific. Credit guarantees are often proposed as an instrument to overcome this problem. However, as this publication demonstrates, there is no strong theoretical justification for their use.
Roles Of Financial Institutions And Credit Guarantees In Regional Revitalization In Japan
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Author : Nobuyoshi Yamori
language : en
Publisher: Springer
Release Date : 2019-08-10
Roles Of Financial Institutions And Credit Guarantees In Regional Revitalization In Japan written by Nobuyoshi Yamori and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-08-10 with Business & Economics categories.
This book is about the roles that financial institutions are expected to play for revitalizing regional economies in Japan, which face several serious problems such as a rapidly aging population as well as a sharp decline in population. The Japanese government expects regional financial institutions to contribute to that revitalization. Actually, Japanese regional financial institutions have made various efforts to support small and medium-sized enterprises (SMEs) to increase their profitability and sustainability. However, the efforts have not yet produced adequate outcomes. To help clarify the reasons for the failures and to offer policy recommendations, the authors used four questionnaires to conduct surveys. They sent the questionnaires to the headquarters of regional financial institutions for Chapter 1 and to the staffs of regional financial institutions for Chapter 2. The government revised the Credit Guarantee System Reform Act in 2017 to promote financial institutions and credit guarantee corporations in order to proactively support SMEs, so in Chapter 3 the aims of the revised act are explained. Chapter 4 is based on a survey of startups that used the public credit guarantee. Finally, Chapter 5 is based on another, different questionnaire that was sent to SMEs to find out why they failed to improve their risk management and how financial institutions can help them to prepare for disasters. To the best of the authors’ knowledge, these questionnaire studies on regional revitalization have not been carried out elsewhere, making this book unique.
Financing Small And Medium Sized Enterprises In Asia And The Pacific
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Author : Asian Development Bank
language : en
Publisher: Asian Development Bank
Release Date : 2022-03-01
Financing Small And Medium Sized Enterprises In Asia And The Pacific written by Asian Development Bank and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-03-01 with Business & Economics categories.
Small and medium-sized enterprises (SMEs) are widely regarded as the backbone of economies and make a unique contribution to gross domestic product, exports, and employment. Yet, SMEs face multiple challenges in gaining access to finance that can fuel their growth. This publication scrutinizes the multiple factors affecting SMEs’ access to finance and the impact of credit guarantee schemes (CGSs), examines country case studies from across the globe, and highlights the financial and economic additionality of CGSs when they are rigorously setup. To support Asia and Pacific economies, the publication suggests operational policy recommendations for the key priority areas of CGSs, focusing on legal and regulatory setup, corporate governance, services offered, risk management, and monitoring.
The Sme Financing Gap Vol I Theory And Evidence
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Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2006-10-25
The Sme Financing Gap Vol I Theory And Evidence written by OECD and has been published by OECD Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-10-25 with categories.
Analyzes the lack of funding for small and medium-sized enterprises (SMEs) and recommends measures to foster an improved flow of financing.
Public Financing For Small And Medium Sized Enterprises
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Author : Asian Development Bank
language : en
Publisher: Asian Development Bank
Release Date : 2023-11-01
Public Financing For Small And Medium Sized Enterprises written by Asian Development Bank and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-11-01 with Business & Economics categories.
Highlighting the importance of Asia’s small and medium enterprises (SMEs), this report shows how economies can learn from policies employed by the Republic of Korea (ROK) and the United States (US) to offer SMEs the credit they need to thrive. With SMEs making up some 96% of all Asian businesses, the report explains the challenges they commonly face and analyzes the impact of specialized financing facilities in the ROK and the US. It offers a study of public institutional approaches towards improving credit access, assesses international lending regulations, and explores how developing public lending schemes for SMEs can support growth.
The New Basel Capital Accord And Sme Financing
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Author : Rym Ayadi
language : en
Publisher: Centre for European Policy Studies
Release Date : 2005
The New Basel Capital Accord And Sme Financing written by Rym Ayadi and has been published by Centre for European Policy Studies this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Bank capital categories.
The First Basel Capital Accord, implemented in 1988, was aimed at ensuring the soundness and stability of the international banking system. The new accord, Basel II, which is planned for implementation in December 2006, is intended to strengthen the framework for dealing with credit risk. This book provides an informative analysis of what Basel II means for the small and medium-sized enterprize (SME) sector in Europe and its impact on its credit financing conditions. It also presents a detailed analysis of how banks formulate an internal rating system and illustrates how this system works in practice. Finally, it concludes with the key measures that should be taken by banks, SMEs, and public policymakers to improve financing in the new rating culture.