Financing of SME firms in India: Interview with Ranjana Kumar, Former CMD, Indian Bank; Vigilance Commissioner, Central Vigilance Commission
Financing of SME firms in India: Interview with Ranjana Kumar, Former CMD, Indian Bank; Vigilance Commissioner, Central Vigilance Commission
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印度中小企业融资：采访印度银行前 CMD Ranjana Kumar；
DOI：
10.1016/j.iimb.2010.04.011
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发表时间：
2010
期刊：
影响因子：
--
通讯作者：
Ashok Thampy
中科院分区：
文献类型：
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作者：
Ashok Thampy
印度至关重要的中小企业（SME）部门发展的一个主要瓶颈是缺乏足够的融资渠道。本文探讨了印度中小企业融资中的主要问题，例如银行面临的信息不对称以及中小企业信用评分等措施的有效性；交易贷款是否足以解决信息问题，或者贷款是否必须基于与中小企业的关系，同时使用“硬”和“软”信息；银行的规模和来源是否影响中小企业的信贷可用性。 Ranjana Kumar 是一位著名的印度银行家，直到最近还担任中央警戒委员会的警戒专员，他谈到了本文中提出的一些方面，例如信用评估和风险评估流程在当今银行业格局中的重要性，以及银行在印度中小企业发展中可以发挥的作用。
A major bottleneck to the growth of the vital Indian small and medium enterprises (SME) sector is its lack of adequate access to finance. This paper examines the major issues in the financing of SMEs in the Indian context, such as the information asymmetry facing banks and the efficacy of measures such as credit scoring for SMEs; whether transaction lending would be adequate to address the information issues or would lending have to be based on a relationship with the SME, using both ‘hard’ and ‘soft’ information; and whether the size and origin of the bank affect the availability of credit to SMEs. Ranjana Kumar, a prominent Indian banker who also served, till recently, as the Vigilance Commissioner in the Central Vigilance Commission, speaks on some aspects that are raised in the paper, such as the importance of the credit appraisal and risk assessment processes in today’s banking landscape and the role that banks can play in developing the SME sector in India.