中小企業(yè)的焦點銀行向前邁進一步

1、原文題目：中小企業(yè)的焦點:銀行向前邁進一步作者：卡摩爾.布萊姆，夏林.山原文出處：November 10.2008, “The Edge Malaysia”.銀行向前邁進一步在當前的經(jīng)濟環(huán)境中，與其放棄中小企業(yè)，一些銀行已經(jīng)決定去協(xié)助這些企業(yè)走出動蕩。在前方時代的挑戰(zhàn)全球低迷中,金融機構(gòu)都強調(diào)承諾要繼續(xù)支持中小企業(yè)融資。他們的理論是,這些行業(yè)是經(jīng)濟增長引擎。在銀行業(yè)界,特別是華僑銀行和馬來亞銀行，他們覺得在他們的長期合作關(guān)系的基礎(chǔ)上,不管經(jīng)濟條件有多么困難，中小企業(yè)將表現(xiàn)很出色。華僑銀行之商業(yè)銀行的主要負責人杰弗里說:“我們一直對我們的顧客保持著密切的聯(lián)系, 我們歡迎任何顧客的請求在受到市場的

2、發(fā)展下重新評估他們目前借款人的信用結(jié)構(gòu)。在較少見的不穩(wěn)定的經(jīng)濟社會時代，重組仍然是經(jīng)營商業(yè)的普通課程中的一部分?？傆幸环N情況使得重組可能成為必要， 當公司的運作遵循不同的周期，而該周期表現(xiàn)為不同程度的壓力和需求時，我們會為客戶提供更多的融資結(jié)構(gòu)方式?！币訲EOH引用例子，他們公司的中小企業(yè)業(yè)務涉及到合同并且受到開發(fā)材料費用上升的影響，這些影響是由于通過分配合同收益來滿足資金缺口需要額外的費用造成的。在其他情況下，盡管由于其不良狀況，他們現(xiàn)有的銀行家拒絕進一步承諾，但華僑銀行還是在政府合同中為他們的顧客提供過渡性貸款，完成了商品交付。同樣的,馬來亞銀行旨在加強這些困難時期中小企業(yè)的部分。商業(yè)銀行

3、高級副總裁的負責人ozidin Masari說:“我們認識了中小企業(yè)的戰(zhàn)略重要性就如同增長引擎。我們在1992年建立了一個商業(yè)部門，它的目的是集中于解決中小企業(yè)在特殊融資需求和其他方面的發(fā)展需要。從那時候起，為了滿足中小企業(yè)特殊的需求，我們大舉投資人才、專用設(shè)施以及定制產(chǎn)品和服務?！盧ozidin補充說,馬來亞銀行支持中小企業(yè)是通過多種經(jīng)濟周期,例如1997-1998年的亞洲金融危機的辦法,并致力于支持中小企業(yè)在前方時代的挑戰(zhàn)。本著這個思想，馬來亞銀行與客戶端保持開放的關(guān)系，并鼓勵中小企業(yè)的客戶和潛在客戶和銀行討論任何財務問題。Rozidin說:“重要的是中小企業(yè)的會計事項，事實和數(shù)據(jù)應該保持

4、透明度，因為這有助于銀行來評估他們的問題和他們的程度,以及推薦方案，財力和在其他領(lǐng)域可以幫助他們解決問題,使他們能夠采取積極措施,有更進一步的發(fā)展，避免未來的障礙。由于顧慮到抑制關(guān)鍵信息將使投資他們的銀行家產(chǎn)生不良的反應，因此中小企業(yè)不被建議如此行為?！痹诓环€(wěn)定的時期，一些銀行家仍然表示他們愿意相信評估過程將會被保持。Teoh說：“為了確保必要的保障，我們已經(jīng)代替了信用風險的過程。我們千萬不要錯過那些值得我們提供幫助的對象，我們不會退縮，因為這是證明我們對這一部分事項是恪守承諾的，通過我們與中小企業(yè)合作的經(jīng)驗,我們知道，給他們一個機會,他們可以做得很好?！盧ozidin還補充說,馬來亞銀行的信

5、用評價過程導致了最新的額外貸款將不會比過去更嚴格。銀行將評估中小企業(yè)業(yè)務的關(guān)鍵成功因素,可以確保在困難時期達到成功,而這些成功包括了中小企業(yè)的態(tài)度和承諾,生存的商業(yè)模式,在供應商和顧客之間保持一個良好的口碑的能力, 了解客戶，有效地管理應收賬款和清償債務?！彼f這個應用程序的基本信用原則并沒有改變，它仍舊是依靠四個關(guān)鍵指標-管理、商務、財務管理、擔保的風險。在過去的幾年中,銀行已申請實施了更多的統(tǒng)計方法開發(fā)一個定制的信用風險的度量方法和相應的信用風險的工具和風險系統(tǒng)。這個馬來亞銀行信用風險評級制度(CRRS) 為風險等級公司、商業(yè)和中小企業(yè)的借貸者提供了一種以統(tǒng)計為基礎(chǔ)的內(nèi)部風險評估體系。在這

6、個不確定時期,我國中小企業(yè)需要獲得忠告,重新評估他們的財務狀況,以確保他們不要經(jīng)濟動蕩。保持流動性和良好的現(xiàn)金流量過程是持續(xù)經(jīng)營的關(guān)鍵。Teoh說:“提前計劃幫助在不確定的市場的發(fā)展中可能會遇到的生意沿途項目和檢討業(yè)務情況。適應變化的關(guān)鍵步驟將維持在這一業(yè)務。我們致力于和中小企業(yè)合作,盡量減少商業(yè)上的困難。我們理解復雜的商業(yè)銀行業(yè),有助于消除這些困難，為客戶提供方便的產(chǎn)品和服務,以滿足客戶的業(yè)務需要?！敝档每隙ǖ氖?Rozidin說對中小企業(yè)融資方案下的政府貸款已經(jīng)有強勁的增長,在過去的三年中,平均增長率每年約26%。金融機構(gòu)及發(fā)展金融機構(gòu)(DFIs)繼續(xù)成為世界上最大的資金提供者,RM63.

7、2中小企業(yè)的132,000億,超過了中小企業(yè)帳戶RM51投射目標的1.1億中小企業(yè)帳戶。去年馬來西亞國家銀行從事了幾個關(guān)鍵的措施來鼓勵銀行和華氏溫標為小額信貸提供設(shè)施,導致6個商業(yè)銀行和三個華氏溫標微觀融資金額為RM271，超過了2.6億美元。向前看,在2008年商業(yè)銀行和華氏溫標有望保持的主要提供者提供的資金和中小企業(yè)與RM70億美元的貸款以外的批準,預計將有大約14萬中小企業(yè)帳戶列支。這兩個新的政府計劃,協(xié)助中小企業(yè)的現(xiàn)代化設(shè)施及中小企業(yè)引進設(shè)備從8月1日開始,也看到令人鼓舞的反應。馬來亞銀行建立了RM1.2億美元的兩個融資來幫助中小企業(yè)應對由于物價上漲的高等教育成本。中小企業(yè)融資方面的資

8、金上升到RM700萬來購買協(xié)助設(shè)備，中小企業(yè)的現(xiàn)代化設(shè)施也能夠分配到RM500億美元。這包括貸款重組、提供顧問服務,以有效的成本管理鼓勵投資措施。由于臨時物資流、管理成本上漲的問題，中小企業(yè)的援助工具將有助于面臨中小企業(yè)的財政困難。它的目的是幫助他們繼續(xù)運營和維護工作。中小企業(yè)的現(xiàn)代化設(shè)施將對其實現(xiàn)節(jié)能設(shè)備操作或購買提供融資。SME Focus: Banks step forwardBYLINE: Kamal Bairamov and Shirene ShanOriginally Published in November 10.2008, “The Edge Malaysia”.Rather

9、 than abandon SMEs during the current economic environment, some banks have decided to help such businesses ride out the turbulence.During the challenging times ahead amid a global downturn, several banking institutions have underlined their commitment to continue to support small and medium enterpr

10、ises (SMEs). Their rationale is that these industries are the engine of growth for the economy. Among the banks that have stepped forward are OCBC Bank and Maybank, as they feel that based on their long-term relationship with SMEs, SMEs will perform well despite the difficult economic conditions.Say

11、s Jeffrey Teoh, head of commercial banking at OCBC Bank (M) Bhd: We have always maintained close contact with our SME customers and we welcome any request by borrowers to reassess their current credit structure impacted by market developments.Restructuring is part of our normal course of doing busin

12、ess even during less volatile times. There will always be situations when restructuring might be necessary since companies operate along varying lifecycles which exhibit differing levels of stress and needs. We assist our customers by providing additional financing in a structured manner.Teoh cites

13、an example, whereby SMEs involved in contracts and affected by rising building material costs have been provided with additional funding to fill the financing gap secured via assignments of the contract proceeds.In other cases, OCBC Bank has provided bridging loans for customers to complete delivery

14、 of goods on their government contracts despite their existing bankers refusal to further commit due to their delinquent status.Similarly, Maybank aims to bolster the SME segment during these troubled times. Rozidin Masari, Maybank senior executive vice-president and head of business banking says: W

15、e realize the strategic importance of the SME segment as an engine of growth. We set up a business division in 1992 to focus on the special financing requirements and other developmental needs of the SMEs.Since then, we have invested heavily in skilled personnel, dedicated infrastructure as well as

16、custom-designed products and services to support the specific needs of the SME segment.Rozidin adds that Maybank has supported SMEs through the various economic cycles, such as the 1997-1998 Asian financial crisis, and is committed to supporting SMEs during the challenging times ahead.In line with t

17、his, Maybank has maintained an open relationship with clients and encourages SME customers as well as potential customers to discuss any financial problems with the bank.Rozidin says: It is vital that SMEs are transparent with the issues, facts and figures because this will enable the bank to evalua

18、te their problems and their extent, as well as recommend solutions, both financial and in other areas, which can help them to resolve their problems and enable them to take proactive steps and avoid obstacles in the future. SMEs are advised not to withhold key information for fear that this will eli

19、cit adverse reactions from their banker.In uncertain times, the bankers say their credit evaluation process will remain. Says Teoh: We have in place a credit risk process to ensure that, within the limits of the necessary safeguards, we do not miss out on providing assistance to those who are worthy

20、. We will not hold back; rather this is the time for us to demonstrate our commitment to this segment. Through our experience with the SMEs, we know that, given a chance, they can do very well.Rozidin also adds that Maybanks credit evaluation process for approving new and additional loans will be no

21、 more stringent than in the past. The bank will evaluate the key success factors in the SMEs business that can ensure success in difficult times, and this includes the SMEs attitude and commitment, viability of business model, ability to maintain a good reputation among suppliers and customers, know

22、ing customers well and managing receivables or collections effectively.He says the application of fundamental credit principles has not changed, and it is based on four key criteria - management, business, financial management and collateral risks. Over the years, the bank has applied a more statist

23、ical approach by developing a customized credit risk measurement methodology with accompanying credit risk tools and risk systems. The Maybank Credit Risk Rating System (CRRS) provides a statistically based internal risk rating system for the risk grading of corporate, commercial and SME borrowers.D

24、uring this uncertain period, the SME needs to obtain advice and reassess their financial situation to ensure that they do not get caught in this economic upheaval. Maintaining liquidity and good cash flow processes is critical to sustaining the business.Says Teoh: Planning ahead helps project and re

25、view possible business situations which the business may encounter along the way in uncertain market developments. Adaptability to change will be a key step to sustaining a business during these times. We are committed to partnering our SMEs to minimize their business difficulties faced. We understa

26、nd the complexities of business banking and can help remove those difficulties with convenient products and services to meet our customers business banking needs.On a positive note, Rozidin says that there has been strong growth for financing to SMEs granted under government loans schemes in the las

27、t three years, with average growth rate of about 26% per year. Banking institutions and development financial institutions (DFIs) continue to be the largest provider of funds to SMEs, approving RM63.2 billion to over 132,000 SME accounts, exceeding the projected target of RM51 billion to 110,000 SME

28、 accounts. Bank Negara Malaysia embarked on several key initiatives last year to encourage banks and DFIs to provide microfinance facilities, resulting in six commercial banks and three DFIs providing micro financing facilities amounting to RM271 million to over 26,000 micro enterprises as at end-March 2008. Going forward, commercial banks and DFIs are expected to remain the main providers of funds to SMEs in 2008 and beyond with RM70 billion in loans expected to be approved and disbursed to about 1