TAILIEUCHUNG - SOME IDEAS ON POLICY-MAKING TO SME IN VIETNAM
(Referential document supplementary for presentation at Vietnam-Japan workshop: “policies on SME of Vietnam under the impact of globalization”, Hanoi, August 31st – September 1st, 2006 | The trust, firstly bases on business plan/project of loan-receiving enterprise, if they are actually feasible or not, if they have ability to do business profitably and refund borrowed capital or not. If enterprises prove this and persuade the banks, and in contrast, banks believe in possibility of plan/ project of enterprises, then the belief between two sides will be created. In other countries on the world, SMEs are also in the situation like ours that they do not have enough collateral to borrow capital; however, banks still enable them to borrow based on their feasible business plan. The belief can be created based on long-time partnership relation between enterprises and banks, trust of enterprises in repaying debts, their prestige in community about earnest business and development perspectives. Certainly, in order to create mutual belief, both sides need to try: enterprises really appreciate developing business plan and must have the entirely efficient business plan; at the same time, have clear, transparent financial management methods (enterprises need to learn to gain above things); keep the trust to customers, counterparts, focus on building and maintain prestige in community. In contrast, banks also need to regard enterprises as customers (that is an evident), but not the favour-granted person, try to find out, sympathy and support enterprises; at the same time also need to self-improve their skill level in order to appraise business/project plan of enterprises, observe, supervise, update information about enterprises to restrict possible risk.
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