Pub Date : 2019-07-01DOI: 10.4324/9780429401060-12
Jong-goo Lee, Sunyoung Hong, Taehyun Lee, W. Park
{"title":"The Korea credit guarantee fund and its contribution to the economy","authors":"Jong-goo Lee, Sunyoung Hong, Taehyun Lee, W. Park","doi":"10.4324/9780429401060-12","DOIUrl":"https://doi.org/10.4324/9780429401060-12","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"80 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132680853","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Satoshi Kuwahara, N. Yoshino, Megumi Sagara, Farhad Taghizadeh‐Hesary
The credit risk database (CRD) makes it possible to mitigate the problem of information asymmetry between small and medium-sized enterprises (SMEs) and financial institutions and contributes to improving SMEs’ access to finance by collecting a large number of financial statements through the mechanism of SME finances and establishing a robust statistical model. We use the CRD in Japan, confirm the situation in Japan, and highlight the CRD’s contribution to evaluating the creditworthiness of SMEs. We also explain how to establish the CRD as a financial infrastructure, while indicating that the CRD and the scoring model based on it have maintained their quality owing to their operating system. We hope our experience contributes to the introduction of a statistical credit risk database composed of a large number of anonymous financial statement data in other countries and that the CRD helps to improve SMEs’ access to finance as a financial infrastructure.
{"title":"Establishment of the Credit Risk Database","authors":"Satoshi Kuwahara, N. Yoshino, Megumi Sagara, Farhad Taghizadeh‐Hesary","doi":"10.4324/9780429401060-5","DOIUrl":"https://doi.org/10.4324/9780429401060-5","url":null,"abstract":"The credit risk database (CRD) makes it possible to mitigate the problem of information asymmetry between small and medium-sized enterprises (SMEs) and financial institutions and contributes to improving SMEs’ access to finance by collecting a large number of financial statements through the mechanism of SME finances and establishing a robust statistical model. We use the CRD in Japan, confirm the situation in Japan, and highlight the CRD’s contribution to evaluating the creditworthiness of SMEs. We also explain how to establish the CRD as a financial infrastructure, while indicating that the CRD and the scoring model based on it have maintained their quality owing to their operating system. We hope our experience contributes to the introduction of a statistical credit risk database composed of a large number of anonymous financial statement data in other countries and that the CRD helps to improve SMEs’ access to finance as a financial infrastructure.","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"61 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127206659","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-01DOI: 10.4324/9780429401060-13
T. Nadeem, R. Rasool
{"title":"Marketing","authors":"T. Nadeem, R. Rasool","doi":"10.4324/9780429401060-13","DOIUrl":"https://doi.org/10.4324/9780429401060-13","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128018900","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The role of credit guarantee schemes in financing micro, small, and medium enterprises","authors":"N. Maini","doi":"10.4324/9780429401060-8","DOIUrl":"https://doi.org/10.4324/9780429401060-8","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"71 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125170777","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-01DOI: 10.4324/9780429401060-11
Atsuo Kuroda
{"title":"Credit supplementation system for unlocking SME and startup access to finance","authors":"Atsuo Kuroda","doi":"10.4324/9780429401060-11","DOIUrl":"https://doi.org/10.4324/9780429401060-11","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"64 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121406081","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-01DOI: 10.4324/9780429401060-14
Youngho Chang, Cedric Rimaud
{"title":"Small and medium-sized enterprises’ financing in Singapore","authors":"Youngho Chang, Cedric Rimaud","doi":"10.4324/9780429401060-14","DOIUrl":"https://doi.org/10.4324/9780429401060-14","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133264696","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Enhancing access to finance for SMEs","authors":"Arnault Prêtet, Tabea Klang","doi":"10.4324/9780429401060-2","DOIUrl":"https://doi.org/10.4324/9780429401060-2","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132000016","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-07-01DOI: 10.4324/9780429401060-16
Le Ngoc Dang, Anh Tu Chuc
{"title":"Challenges in implementing the credit guarantee scheme for SMEs","authors":"Le Ngoc Dang, Anh Tu Chuc","doi":"10.4324/9780429401060-16","DOIUrl":"https://doi.org/10.4324/9780429401060-16","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125771726","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Role of credit guarantee for financing MSMEs","authors":"A. Wardhono, M. Modjo, E. Utami","doi":"10.4324/9780429401060-9","DOIUrl":"https://doi.org/10.4324/9780429401060-9","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"119 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132274864","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The role of credit rating agencies in addressing gaps in micro and small enterprise financing","authors":"S. Shankar","doi":"10.4324/9780429401060-4","DOIUrl":"https://doi.org/10.4324/9780429401060-4","url":null,"abstract":"","PeriodicalId":273088,"journal":{"name":"Unlocking SME Finance in Asia","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129491773","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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