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Banks can take advantage of the Credit Appraisal and Rating Tool
(CART) as well as a Risk Assessment Model (RAM) and a
comprehensive rating model for MSMEs, developed by SIDBI or
consider the ratings given by reputed credit rating agencies as
initiated by NSIC and whenever appropriate, structure the interest
rates in tune with these ratings.
Take the help of external experts who understand the banks risk
culture and rely on SMERA under compulsive Basel II stipulations for
SME rating.
FOCUS & RELEVANCE OF
THE CASE
Credit rating for the SME sector
BASEL II norms
Greater transparency,
MISCONCEPTIONS
• Assumption that SMEs will only get low ratings
because of their smaller size.