企业信用数据库和担保体系的开发-----外文翻译.doc

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企业信用数据库和担保体系的开发-----外文翻译,1、conclusionfirstly, government efforts toward enhancing the capability and capacity of smes as the country growth engine has been remarkable. continuous multi-...
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1、conclusion
Firstly, government efforts toward enhancing the capability and capacity of SMEs as the country growth engine has been remarkable. Continuous multi-types assistance has been introduced for all levels of SMEs. Broadly success has been evident but not in all areas. Firstly, institutional issues relating to comprehending the various schemes and identifying implementing agencies that run the schemes have confused not only SMEs but also financial institutions.
Secondly, SME is dominated by micro enterprises. Demands and needs of micro enterprises may differ from small and definitely with medium enterprises. Therefore despite various efforts being introduced to enhance SMEs complaints are abound because the needs of micro enterprises have not been understood and therefore not met. For example, micro enterprises which started as cottage industries seldom have financial documentation to support their financial application and some have limited or no knowledge of the various financial schemes provided by government or financial institutions.
Thirdly, the changing global environment has seen a mushrooming of of SMEs in Malaysia. The government has been developing and promoting SMEs but the results have been mixed, partly because policymakers were late in classifying the different


一、总结
首先、政府在提高中小企业的能力作为国家经济增长的引擎方面的努力已经变得十分明显。持续多样的援助已经被引入各种水平的中小企业。广泛的成功是显著的,但并不是所有领域都是这样。首先,不只中小企业,金融机构在理解各项计划和确定实施这些计划的政策的体制问题方面混淆不清。
其次,中小企业以微型企业为主。微型企业的需求可能不同于小企业,无疑更不同于中型企业。因此,尽管在提高中小企业方面付出了各种努力,但针对中小企业的投诉却比比皆是。因为中小企业的需求没有能被理解,所以其需求就不会被满足。例如,以家庭手工业形式发起的微型企业很少有财务文件支持它们呢的财务运用,它们很少或者几乎不知道由政府或者金融机构提供的各种金融计划。
第三,在不断变化的全球环境下,马来西亚的中小型企业如雨后春笋般出现。政府也一直致力于发展和提高中小企业,但结果有好有坏,部分原因是政策制定者在区分微型企业、小型企业和中型企业的不同需求和特点方面滞后。发展中小企业的多样化和全球竞争性是去的可持续经济发展的中心点。中小企业在更广泛的发展议程,特别是在马来西亚各民族人民之间消除贫困和公平发展方面,扮演者重要角色。