Credit Guarantees
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Credit Guarantees
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Author : Michael Gudger
language : en
Publisher: Food & Agriculture Org.
Release Date : 1998
Credit Guarantees written by Michael Gudger and has been published by Food & Agriculture Org. this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Political Science categories.
The problem of collateral is a daily issue for lenders and causes much debate in the development finance community. Given the difficulties experienced in arranging traditional forms of loan security, such as land or chattel mortgages, various collateral substitutes have been proposed. Among the substitutes for traditional collateral is the loan guarantee. Guarantee systems for loans have been proposed, planned and implemented in various countries. The assumption made by proponents of such a service is that the guarantee organization is either better informed about the risk of the loan than the lender or it is better structured financially to be able to manage the risk. Despite the apparent attractiveness of a loan guarantee, the empirical evidence available gives little encouragement. Nevertheless, interest in guarantees continues.
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.
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.
Credit Guarantees
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Author : Michael Gudger
language : en
Publisher:
Release Date : 1998
Credit Guarantees written by Michael Gudger and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Agricultural credit corporations categories.
Loan Guarantees
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1991
Loan Guarantees written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991 with Export credit insurance categories.
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.
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.
Are There Synergies Between World Bank Partial Credit Guarantees And Private Lending
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Author : Harry Huizinga
language : en
Publisher: World Bank Publications
Release Date : 1999
Are There Synergies Between World Bank Partial Credit Guarantees And Private Lending written by Harry Huizinga and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with categories.
August 1997 One test of the efficacy of World Bank partial credit guarantees is whether they lower the interest rate and lengthen the effective maturity of the part of the credit not covered by the guarantee. Do they? Since 1994, the World Bank has provided partial credit guarantees to private financiers of several large infrastructure projects in developing countries. A major objective of the partial guarantee program is to leverage Bank resources so as to provide developing countries with better private credit terms. A real test of the efficacy of World Bank partial credit guarantees is whether they also lower the interest rate and lengthen the effective maturity of the part of the credit not covered by the World Bank guarantee. On the basis of deals closed so far, Huizinga finds no evidence that guarantees have affected nonguaranteed interest rates favorably, while the duration of the nonguaranteed credits remains relatively short. This paper-a product of the Development Research Group-is part of a larger effort in the group to evaluate the impact of World Bank guarantees.
Credit Guarantees For Small And Medium Size Business Ventures
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Author : Hungary. Pénzügyminisztérium
language : en
Publisher:
Release Date : 1993
Credit Guarantees For Small And Medium Size Business Ventures written by Hungary. Pénzügyminisztérium and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Commercial loans categories.
Impact Evaluation Of Credit Guarantee Schemes In Agriculture
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Author : Benni, N.
language : en
Publisher: Food & Agriculture Org.
Release Date : 2021-12-09
Impact Evaluation Of Credit Guarantee Schemes In Agriculture written by Benni, N. and has been published by Food & Agriculture Org. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-09 with Political Science categories.
While a considerable amount of literature has been produced in the past decades on the overall experience of using partial credit guarantee schemes (PCGS) to overcome the credit gap in developing agriculture, what is still lacking nowadays is a structured and rigorous empirical evidence demonstrating the concrete impact of PCGS specifically established to unlock financing for agricultural SMEs. Most case studies available today only provide a descriptive analysis of the results, constraints and features of agriculture-specific PCGS, while lacking an impact evaluation approach (either fully experimental or quasi/non-experimental) whose findings could also be used to properly inform the design of future facilities and related policies. This working paper has been developed to assist in overcoming the current gap in empirical data on the impact of agricultural PCGS, by providing interested readers (whether policymakers, the academia, development agencies, or other stakeholders) with key information on technical and operational aspects of impact evaluations of credit guarantee schemes in agriculture, as well as recommendations on the feasibility of carrying out such evaluations with the aim of generating evidence on a more systematic basis. The hope is that public stakeholders interested in carrying out a proper impact evaluation of an agriculture-focused guarantee scheme can use the materials provided by this publication as a reference point for their work.