Credit Risk And Credit Access In Asia
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Credit Risk And Credit Access In Asia
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Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2006-03-09
Credit Risk And Credit Access In Asia 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 2006-03-09 with categories.
This conference proceedings discusses progress made since the 1997-98 financial crisis and presents summaries of the situation in each country.
Credit Risk And Credit Access In Asia
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Author : Organisation for Economic Co-operation and Development
language : en
Publisher: OECD
Release Date : 2006
Credit Risk And Credit Access In Asia written by Organisation for Economic Co-operation and Development and has been published by OECD this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Business & Economics categories.
This publication is based on the proceedings of the 4th meeting within the framework of the Forum for Asian Insolvency Reform, organised by the OECD, the World Bank and the Asian Development Bank and held in New Delhi, India, held in November 2004. It contains individual country reports on key trends and developments relating to debt, insolvency and credit risk management issues since the 1997-1998 Asian financial crisis; as well as four papers which explore the issues from a regional perspective.
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.
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.
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.
Finance In Asia
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Author : Qiao Liu
language : en
Publisher: Routledge
Release Date : 2013
Finance In Asia written by Qiao Liu and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Business & Economics categories.
Asia's demand for second-generation financial institutions and markets needs to be met in order for the region's further development to be sustained. This book provides a compelling, fact-based assessment of current practices and regulations in Asia's financial institutions and markets and carefully documents the exciting opportunities and challenges that lie ahead in the region's financial systems. This book differs in design from typical treatments of financial institutions and markets because its focus is on Asia rather than using the US model (in terms of market configurations or products) as a benchmark, and its takes a contemporary and forward-looking view of financial markets. Examples of practice from Asia are used to illustrate major accepted themes in finance and financial regulation. To the extent that Asia's main economies share characteristics that are distinct, for example, in the relationship between government and the banking sector, or in aspects of corporate governance, the book will discuss the consequences for market operation and intermediation. The book's carefully structured facts and rigorously argued analysis carry important implications both for students in business and law and for professionals new to financial markets in Asia. It will change the way that Asian financial markets and institutions is taught in universities as well as provide a valuable resource for professionals working in finance in Asia.
Credit Policies Lessons From East Asia
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Author : Dimitri Vittas
language : en
Publisher:
Release Date : 1999
Credit Policies Lessons From East Asia written by Dimitri Vittas and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with categories.
May 1995 Directed credit programs should be small, narrowly focused, and of limited duration (with clear sunset provisions). They should be financed by long-term funds to prevent inflation and macroeconomic instability. Directed credit programs were a major tool of development in the 1960s and 1970s. In the 1980s, their usefulness was reconsidered. Experience in most countries showed that they stimulated capital-intensive projects, that preferential funds were often (mis)used for nonpriority purposes, that a decline in financial discipline led to low repayment rates, and that budget deficits swelled. Moreover, the programs were hard to remove. But Japan and other East Asian countries have long touted the merits of focused, well-managed directed credit programs, saying they are warranted when there is a significant discrepancy between private and social benefits, when investment risk is too high on certain projects, and when information problems discourage lending to small and medium-size firms. The assumption underlying policy-based assistance and other forms of industrial assistance (such as lower taxes) is that the main constraint on new or expanding enterprises is limited access to credit. Vittas and Cho give an overview of credit policies in East Asian countries (China, Japan, and the Republic of Korea) as well as India, and summarize what these countries have learned about directed credit programs. Among the lessons: * Credit programs must be small, narrowly focused, and of limited duration (with clear sunset provisions). * Subsidies must be low to minimize distortion of incentives as well as the tax on financial intermediation that all such programs entail. * Credit programs must be financed by long-term funds to prevent inflation and macroeconomic instability. Recourse to central bank credit should be avoided except in the very early stages of development when the central bank's assistance can help jump-start economic growth. * They should aim at achieving positive externalities (or avoiding negative ones). Any help to declining industries should include plans for their timely phaseout. * They should promote industrialization and export orientation in a competitive private sector with internationally competitive operations. * They should be part of a credible vision of economic development that promotes growth with equity and should involve a long-term strategy to develop a sound financial system. * Policy-based loans should be channeled through well-capitalized, administratively capable financial institutions, professionally managed by autonomous managers. * They should be based on clear, objective, easily monitorable criteria. * Programs should aim for a good repayment record and few losses. * They should be supported by effective mechanisms for communication and consultation between the public and private sectors, including the collection and dissemination of basic market information. This paper -- a product of the Financial Sector Development Department -- is part of a larger effort in the department to study the effectiveness of policy-based finance in East Asia.
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.
Capital Market And Rating Agencies In Asia
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Author : Yoshitaka Kurosawa
language : en
Publisher:
Release Date : 2012
Capital Market And Rating Agencies In Asia written by Yoshitaka Kurosawa and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Capital market categories.
Capital Market and Rating Agencies in Asia Structuring a Credit Risk Rating Model Mitsuru Mizuno is a professor at the Graduate School of Business, Nihon University and a member of various academic societies, such as Japan Finance Association and Japan Society for the Economic Studies of Securities. Mitsuru Mizuno graduated at the Graduate School of Business, University of California, Berkeley and obtained a masters degree in business administration. Prior to joining Nihon University He worked for banks including the Development Bank of Japan, Asian Development Bank, and European Bank for Reconstruction and Development. He is the author of numerous publications on financial markets as well as corporate governance, and M & A. He is a regular speaker at seminars. Book jacket.
Fintech For Asian Smes
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Author : Naoko Nemoto
language : en
Publisher: Asian Development Bank
Release Date : 2019-10-29
Fintech For Asian Smes written by Naoko Nemoto 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 2019-10-29 with Business & Economics categories.
SMEs play a vital role in the Asian economy and comprise about 70% of the workforce and GDP in the region. To enhance productivity and ensure sustainable growth in Asia, it is vital to provide smooth financing to SMEs. Traditionally, commercial banks in Asia have regarded loans to SMEs as too risky relative to high transaction costs. However, new technologies including distributed ledger technology, cloud computing, and artificial intelligence are becoming a means of offering faster and more convenient and cost-effective financial services. The digital innovation could help SMEs to have easy access to finance in various routes. This book identifies and develops ideas on how to utilize new technologies to promote SME finance. It could encourage financial institutions and investors to develop new credit risk analysis tools, increase credit supply, and encourage sustainable growth for SME sectors. In addition, the book explores the ways policy makers and market participants could maximize the benefits while mitigating potential risks arising from the new digital era. The messages are important for the public and private sectors in Asia.