Role of credit guarantee scheme in the development of small and medium-sized enterprises: With emphasis on knowledge-based enterprises

Roohollah Aboojafari, Alireza Daliri, Farhad Taghi Zadeh Hesary, Mohammad Mokhtari, Mohsen Ekhitiari

研究成果: Chapter

1 被引用数 (Scopus)

抄録

Small and medium-sized enterprises (SMEs) in their growth stage reach the point where, on the one hand, personal resources do not meet their needs, and, on the other, they do not have enough collateral to attract external financing. Access to financing can be facilitated by obtaining loans from financial institutions backed by governmental credit guarantees. Therefore, the development of a sound credit guarantee scheme will be an important step in filling the financing gap of SMEs. In this chapter, the situation of the credit guarantee scheme for SMEs in Iran has been investigated by using the available data and interviews with activists from this field with the grounded theory method. The weaknesses of the Iranian credit guarantee scheme have been shown, and based on the analysis, solutions and policy recommendations have been presented in accordance with the social and economic environment of the Islamic Republic of Iran. The most important problem is the lack of a credit database for comprehensive assessment of SMEs, especially knowledge-based enterprises. The lack of a robust database makes it impossible to carry out a comprehensive evaluation, because these models require a large amount of data. The lack of accurate models makes it difficult to rate credit status and thus to issue credit guarantees. In addition, the current level of the capital of the credit guarantee funds in Iran is not sufficient given the large number of SMEs in the country.

本文言語English
ホスト出版物のタイトルUnlocking SME Finance in Asia
ホスト出版物のサブタイトルRoles of Credit Rating and Credit Guarantee Schemes
出版社Taylor and Francis
ページ217-246
ページ数30
ISBN(電子版)9780429684579
ISBN(印刷版)9781138353428
DOI
出版ステータスPublished - 2019 1 1

ASJC Scopus subject areas

  • 経済学、計量経済学および金融学(全般)
  • ビジネス、管理および会計(全般)

フィンガープリント

「Role of credit guarantee scheme in the development of small and medium-sized enterprises: With emphasis on knowledge-based enterprises」の研究トピックを掘り下げます。これらがまとまってユニークなフィンガープリントを構成します。

引用スタイル