外文翻译---企业信用数据库和担保体系的开发-数据库(编辑修改稿)

外文翻译---企业信用数据库和担保体系的开发-数据库(编辑修改稿)内容摘要：

ent situation of the credit registries and bureaus in Malaysia, and the future prospects for their development。 to scrutinise adequate institutional frameworks of credit information database for firms, especially SMEs。 to consider a suitable regional cooperation mechanism to create a harmonised information sharing system。 to review the current situation of the credit guarantee system, and identify the challenges for developing the credit guarantee system. Accordingly, we have surveyed 652 SMEs and interviewed the Credit Guarantee Corporation (CGC), the SME Credit Bureau, selected mercial banks, development financial institutions and government agencies. These surveys and interviews may be subject to various limitations, bearing in mind the time and financial constraints. Nevertheless, the policy suggestions that we put forward for consideration regarding the future development of the credit registry/ bureau and the credit guarantee system in Malaysia are aimed at enhancing and strengthening the SMEs in Malaysia. In line with the ASEAN blueprint which encourages synergy between private and public sectors in enhancing SMEs development, mercial banks, DFIs and government agencies in Malaysia are rigorously collaborating with, guiding and financing for SMEs development. The blueprint is confirming the improvement that has been made by SMEs within a period of less than five years (this is based on DOS survey of 2020 and Bank Negara Report 2020). Nevertheless for reasons explained in this report, (Table ) many SMEs are still dissatisfied with services provided to them. One can look at this discontent from two perspectives. On the one hand government agencies, financial institutions have succeeded in educating and exposing the SME of available opportunities. Indeed some have taken the challenge even to the extent of exploring the possibility of entering the international market. On the other hand, some, due to technical and social reasons, simply cannot keep pace rapid development of SMEs. The gap is incrementally been bridged as discussed in this concluding chapter. Possible Routes of Developing the CGC in Malaysia in Meeting SMEs’ Financing Needs It would be possible to have another credit guarantee provider to cater for the large number of SMEs which require financing. This could be a financially sound and stable private entity with a wellestablished credit bureau. The rationale for this is to generate petit。