stable finance. One efficient way to promote SME financing is through credit guarantee schemes, where the government … guarantees a portion (ratio) of a loan provided by a bank to an SME. This research provides a theoretical model and an empirical … analysis of factors that determine optimal credit guarantee ratio. The ratio should be able to fulfill the government's goal of …

experienced serious liquidity and solvency problems. Based on the new policy of the State Bank of Vietnam, in order to ensure safe … paper investigates the effects of the Basel II capital requirement implementation in Viet Nam on the bank lending rate and …). The main finding of the paper is that at the bank level, a tightening of regulatory capital requirements does not induce a …

development of the SME sector is the lack of stable finance. Considering the bank-dominated characteristic of economies in Asia …, 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 …

development of the SME sector is the lack of stable finance. Considering the bank-dominated characteristic of economies in Asia …, 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 …

about borrowers, and so does the default risks. This model will allow banks to offer collateral-free lower-interest credit …