, banks have become more reluctant to lend funds to SMEs. The government's use of a credit guarantee scheme (CGS) relies on …

, banks are the main source of financing, and the lack of a comprehensive credit rating database has been a bottleneck for … SMEs. This paper examines how a credit rating scheme for SMEs can be developed, when access to other financial and non …

provides remedies for mitigating them. The remedies proposed in this paper include the development of credit information … infrastructures for SMEs to remedy the asymmetric information problem, utilization of credit rating techniques for SMEs, the … development of a sustainable credit guarantee scheme, the development of specialized private banks for SME financing, and the …

, banks have become more reluctant to lend funds to SMEs. The government's use of a credit guarantee scheme (CGS) relies on …