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时间:2021-10-27 17:01 来源: Essay代写

摘要:留学作业网提供留学生金融学作业定制,本文是关于中小企业融资渠道解决中小企业融资供应方问题研究。中小规模......

留学作业网提供留学生金融学作业定制REPSF Project 04/003: Final Main Report –Executive Summary 1
SME ACCESS TO FINANCING: ADDRESSING THE SUPPLY SIDE OF SME FINANCING
REPSF Project No. 04/003
Author:
RAM Consultancy Services Sdn Bhd
FINAL MAIN REPORT
July 2005
EXECUTIVE SUMMARY
Small and medium scale enterprises (SME) are the backbone of many successful developednations such as Japan, Chinese Taipei, Germany and the Republic of South Korea. ASEANcountries too have touted SME as the new engine of economic growth and development. Inthe last decade or so, various ASEAN governments have formulated national agendas and
development polices addressing all aspects of demand and supply to promote the SMEsector. However, ASEAN SMEs’ contribution to the economy has not reached a level on parwith SME in developed countries. Various challenges and impediments prevent SME fromdeveloping to their full potential. One of which is the access to formal sector financing.
This study seeks to discover the factors that inhibit SME lending by financial institutions byexamining the institutional, legal and regulatory framework present in ASEAN membercountries. Concurrently, the research also examines the viability of credit scoring in improvingaccess to finance for SME and surveys the interest of financial institutions to undertake creditscoring for SME loans. The report draws on the findings of the research and fieldwork surveyto recommend appropriate strategies to improve access to financing.SME in ASEAN draw financing primarily from internal funds and the informal sector. Formalsector financing makes up less than 25% of funding needs. This figure is even lower in thetransition economies where banking intermediation is still relatively low. A survey of financialinstitutions throughout ASEAN revealed that many banks and non-bank institutions aregenerally keen to lend to SME as they realise that on a portfolio basis, SME loans providehigher returns and lower risk compared to large corporate loans. However, these fundinginstitutions face severalimpediments in financing SME. Naturally, financial institutions
attribute most of the impediments to either the government, the prevailing legal andregulatory framework, or the SME. The objective view is that no party is entirely free fromblame.
Governments in ASEAN have generally been supportive of SME development by initiatingvarious financing programmes and support measures. These have taken the form of interestsubsidies, grants, credit guarantee schemes, loan quotas, export financing, developmentfinance institutions, specialised institutions and the like. By and large, the general consensusis that these government supported initiatives have not been as successful as intended, asindicated by the low rate of formal sector financing achieved by SME. Many have argued thatdespite the good intentions of government, public sector measures have generated negativetrade-offs and encouraged the emergence of a dependency syndrome, which more than offsetthe massive subsidies committed to the sector. More often than not too, financingprogrammes for SME have been compromised by the lack of coordination of governments’development policies or their ad-hoc implementation.

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