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Technical assistance assuming greater role in business assistance programs

机译：技术援助在商业援助计划中发挥更大作用

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Ensuring credit availability in underserved areas or to disadvantaged businesses while minimizing program cost to taxpayers will become more challenging as private lenders use more sophisticated techniques to identify acceptable credit risks in thesmall business sector. Increasing service--in the form of better monitoring and provision of technical assistance--is seen as the best way to promote financial and program success. The financial sector is evolving rapidly. The availability of more comprehensive databasEs combined with more sophisticated analytical tools for identifying acceptable credit risks may reduce the need for Federal business assistance among those small businesses that can be screened through ciphers such as credit scoring. Among these businesses, greater financial integration is expediting the flow of funds to their most productive uses, tapping funds from both traditional financial institutions and nontraditional lenders such as suppliers. Small business borrowers are securing an increasing share of their credit needs from institutions outside the local community. Federal business assistance programs must evolve with the financial sector to ensure that public resources are used to increase the availability of capital to businesses that are otherwise excluded from participation in capital markets. The implication of these developments is that Federal programs will have to continually develop tools to reduce risks, given public policy goals.
机译：随着私人贷方使用更先进的技术来确定小企业部门可接受的信用风险，在确保服务不足地区或弱势企业的信贷可用性的同时将纳税人的计划成本降至最低将变得更具挑战性。以更好的监测和提供技术援助的形式增加服务被认为是促进财务和计划成功的最佳方法。金融部门正在迅速发展。提供更全面的数据库以及更复杂的分析工具来识别可接受的信用风险，可以减少可通过密码评分等密码进行筛选的小企业对联邦商业援助的需求。在这些业务中，更大程度的金融整合正在加速资金流向其最具生产力的用途，同时从传统金融机构和非传统贷方（例如供应商）那里获取资金。小型企业借款人正在从本地社区以外的机构获得越来越多的信贷需求。联邦商业援助计划必须与金融部门一起发展，以确保使用公共资源来增加那些不参与资本市场的企业的资本可用性。这些发展的含义是，给定公共政策目标，联邦计划将必须不断开发工具以降低风险。

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