Bank Negara says RM3.3b funds still available for SMEs 【中小企基金30亿待申请;国行:利率低可纾缓成本】
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2018 Feb 27, Tuesday

Bank Negara says RM3.3b funds still available for SMEs

LABUAN:  A total of RM3.3 billion in funding is still available under the Bank Negara Malaysia's (BNM) Funds for small and medium enterprises (SMEs) for working capital and the purchase of machinery.

BNM Development Finance and Enterprise Department Director Marina Kahar said local SMEs, including start-ups, should leverage the fund to finance and lower their cost of doing business.

She said the funding could be applied through commercial and Islamic banks, development financial institutions and Credit Guarantee Corp Malaysia Bhd.

A lack of awareness about such funds and grants provided by government agencies and financial institutions is one of the main reasons why they are not fully utilised, she told a media briefing here on Tuesday.

She said the largest source of financing to SMEs at 97 per cent came from financial institutions which provided consolidated funds.

The service sector topped the list of recipients of funding at 63 per cent, followed by manufacturing (15 per cent), construction (12 per cent), agriculture (six per cent) and other sectors (four per cent).

The BNM SME Fund, a revolving fund that is convenient and affordable for SMEs, was introduced in the late 1990s with a total allocation of RM10.4 billion.

Of the total, Marina said RM7.1 billion has been utilised, benefiting more than 76,000 SMEs.

She said financial institutions had simplified the application process for approval of the SME Fund within two weeks from 70 days previously.

“To ensure SMEs are well-informed on the policy and procedures of the facilities, Bank Negara has initiated the Train-the-Trainers (TTT) programme to equip bank officers with skills to increase capabilities, awareness and knowledge of SMEs on financing matters and share the knowledge with SMEs,” she said.

She said RM286.7 million in financing was extended to SMEs that attended the TTT programme.

She said so far 26,125 bank officers had been mobilised nationwide and provided with specialised training to assist and advise SMEs on financing matters, while 17,043 of SMEs had been trained via 341 programmes.

Marina also disclosed that between 2008 and 2017, more than 17,000 or 97 per cent of distressed SMEs were assisted directly by financial institutions through restructuring and rescheduling, while three per cent or 477 were assisted under BNM's Small Debt Resolution Scheme.

SMEs must ensure that the financing is used for business purposes and make prompt repayment.

On the Disaster Relief Facility to assist SMEs affected by floods recently, she said the RM500 million fund allocated for the purpose is still available until May 31, 2018. - Bernama


Source: The Star Online


中小企基金30亿待申请:国行:利率低可纾缓成本


(吉隆坡29日讯)大马国家银行(BNM)副总裁周清莲表示,目前国行设立的中小企业基金尚有高达33亿令吉的可用基金,因此她呼吁本地中小企业(SME)向国行中小企业基金融资贷款,以纾缓经商成本。

据周清莲介绍,国家银行中小企业基金是为中小型企业提供便利以及负担的企的周转基金。为所有经济领域包括初创公司和企业提供无抵押的融资,用作营运资金和购买器械。

该基金于上世纪90年代后期创立,基金总额为104亿令吉,目前共有71%(74亿令吉)被利用,尚有29%(30亿令吉)可提申请;截至今年8月为止,国行中小型企业基金已经先后让7万5718家公司或企业收益,批准的贷款总额高达303亿令吉,相当于该基金总额的三倍。

他说:“目前我们有4种不同的资金,分别用于不同的目的,然而有一些基金得到充分利用,然而有些则缺乏问津,因此如今我们将这些资金整合到一个基金中,以方便中小型企业申请。“

利率比业界低

”我们的利率比业界低得多,所以我们呼吁在此服务范围内的中小型企业,善用国家银行的中小型企业基金。“

他日前在国行为中小型企业提供金融贷款举行的汇报会上,向出席的媒体代表们这么表示;出席汇报会的有国行金融及企业发展总监马丽娜,经理阿末哈尼夫贾马鲁丁以及国行策略通信部副总监李宝芳。

申请数额达500万,偿还期5年

她也表示,任何有意获得这项融资的中小型企业可以向所有商业和伊斯兰银行,发展金融机构(DFI)和大马信贷担保机构(CGC)申请国行中小型企业基金,申请数额高达500万令吉,偿还期限为5年。

周清莲指出,欧冠当局为各商务生命周期的企业提供一全面财务支援,每5家申请获批准的企业,就有一家是初创公司。

他说:“金融机构是为中小型企业最大的融资提供者,为中小型企业提供约97%的融资贷款,而国行中小型企业基金所批准的贷款中,有30%是来自初创公司。”

“与企业融资贷款相比,中小型企业融资贷款的份额持续上升折射出后者的持续支持,这表明了中小型企业已成为金融机构的重要成领域。“

无论如何,周清莲也指出,虽然金融机构,政府部门和机构为中小型企业提供大量基金,但企业对有关的基金,包括国行中小型企业基金缺乏认知,将对中小型企业的未来发张构成挑战,以及限制了对过内生产总值的贡献。

他说:”正在寻找融资贷款的中小型企业或许不知道,尚有如国家银行中小型企业基金和一些类似资金存在,但我们的基金任然在份额供中小型企业申请,因此我们希望透过媒体的力量,让更多的中小型企业获知相关的消息。“

来源:星洲网



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