As already indicated above, credit guarantee under the SIDBI scheme takes care of borrowers that have no collateral to offer. For other SME borrowers credit enhancement schemes would be useful in enhancing flow of credit to this critical segment of the economy. Role of credit information agencies 13. The role of credit information companies in this context is worth mentioning.
If the supervisor judges that the way in which a firm has effected an Risk Mitigation action has not resulted in the risk being reduced to an acceptable level, he or she will write a replacement Programme, requiring further action by the firm or, perhaps, requiring a third party or a specialist team from within the Central Bank to take action.