This will be especially pertinent to those borrowers in the informal and  BIS Review 111/2009  1  Small and Medium Enterprises (SMEs) who have a track record and good performance to use it to access credit. The SME sector is very important to the industrial development of this country and the Vision 2030.
3  Accordingly, many OTC derivatives contracts have shifted to exchange trades and clearing through CCPs (Chart 2). However, this could give rise to several issues. For example, there are concerns that this change might increase moral hazard among market participants given that they do not directly bear counterparty credit risks and have less incentive to monitor credit risks.