The manual aims to provide guidance to small and medium-sized enterprises (SMEs) in the industry on methods of evaluating business risk, techniques for making equipment investment decisions and marketing tips.
However, most of the surveyed enterprises reported that they find it difficult to access bank loans due to their lack of formal business plans and familiarity with requirements and procedures for obtaining mortgages, including the various types of credit available.
Tsurutani also suggested that banks should work closely with machinery retailers to clarify the various types and methods of obtaining appraisals to facilitate the processing of loan applications by SMEs.
