THE FACTORS AFFECTING NEEDS FOR CREDIT GUARANTEE OF SMALL AND MEDIUM ENTERPRISES (SMES) IN HO CHI MINH CITY

• Main Author: Quang Phuc Tran
• Other Authors: Wen-Huei Yang
• Format: Others
• Language: en_US
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/97980377683599901329

碩士 === 義守大學 === 企業管理學系 === 103 === Credit Guarantee Fund (CGF) will not perform effectively if the small and medium enterprises (SMEs) do not have needs for credit guarantee. However, the most fundamental weaknesses of SMEs is the lack of capital, according to SISME (2014), just 32.38% of SMEs can regularly access loans, about 35.24% of SMEs hardly access loans and the rest cannot access loans since many different reasons. In fact, utilization of these funds is very limited; most SMEs do not have enough business capital and collateral. Hence, the needs for CGF to support SMEs that can hardly access bank credit capital are very high. When the enterprises have little capital, the need for credit guarantee is higher. Conversely, the enterprises are strong in capital scale, the need for CGF will decrease. To understand the current status of the SMEs’ needs for credit guarantee, this thesis conducts survey and test quantitative model in terms of the SMEs’ needs for CGF in Ho Chi Minh City.