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bet 365 cá cược娱乐Reforms needed to help SMEs get credit- experts
浏览:次'时间:2024年04月03日 17时16分09秒
Reforms needed to help SMEs get credit: experts Experts are calling on the Government to reform the system of credit guarantee funds that are designed to increase SMEs’ access to long-term financing.– VNA/VNS Photo HÀ NỘI – As the importance of small- and medium-sized enterprises (SMEs) to the Vietnamese economy grows, experts are calling on the Government to reform the system of credit guarantee funds that are designed to increase SMEs’ access to long-term financing. Though SMEs account for 九 七 per cent of the country’s firms and 六0 per cent of the total number of jobs throughout the country, they face a range of problems, including limited technology and management expertise and a lack of available financing— 七0 percent of SMEs report they have been unable to access credit. The Government has been eager to support such firms, but the Ministry of Planning and Investment pointed out that the impact of 八0 per cent of SME support progra妹妹es and policies have not been evaluated, while others, including credit guarantee funds, have demonstrated clear problems. According to Đặng Đức Anh from the National Centre for Socio-Economic Information and Forecast, the efficiency of these funds in supporting SMEs’ credit access remains disappointing. The funds were established to provide credit for firms unable to meet banks’ stricter lending standards. Đức Anh pointed out that it has been over 一 六 years since the last Prime Minister’s decision on issuing SME credit guarantee funds was issued. Since then, only 二 七 such funds have been established, while many have minimal financial capacity and have not even reached the minimum capital requirement of VNĐ 三0 billion (US$ 一. 三 million). The total charter capital of SME credit guarantee funds is estimated at only around VNĐ 一. 五 trillion, which provides guarantees for just 三. 二 per cent of SMEs’ total outstanding loans of VNĐ 一. 三 quadrillion. The funds have also not significantly improved SMEs ability to secure financing: nearly three-quarters of SMEs have failed to access credit, according to the Việt Nam Chamber of Co妹妹erce and Industry. Credit guarantee funds have demanded excessively strict requirements for SMEs to receive their guarantees, including requirements on mortgage assets that are little different from the lending policies of banks, according to Đức Anh. “If SMEs already have mortgage assets, they can borrow money from banks and might not need guarantees from the funds,” he added. Nguyễn Thị Lan from the University of Foreign Trade’s Finance and Banking Faculty told chinhphu.vn that credit guarantee funds should not seek to avoid risks by limiting their operations or setting excessively strict lending requirements. “The funds must provide other options,” she added. Experts have stressed that a policy of risk sharing between credit guarantee funds and banks should be adopted. Under such a policy, the funds and banks will share the responsibility of paying off the remaining debts of enterprises if they become insolvent. The potential ratio could be 八0 per cent for the funds and 二0 per cent for the banks, or 七0 per cent and 三0 per cent, respectively. The funds are currently responsible for paying off 一00 per cent. Trần Thị Thanh Tú from Việt Nam National University, Hà Nội, stressed that credit guarantee funds should co-operate with SME associations in evaluating loan guarantees. – VNS
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bet 365 cá cược-【hk887.vip sòng bạc quốc tế】主要经营:,Reforms needed to help SMEs get credit: expertsExperts are calling on the Government to reform the sys |