A proposed banking union would help to separate the commercial banks creditworthiness from that of their government.

This way public credit registries and credit bureaux may be able to operate and provide adequate and up to date electronic credit information.

Finally, the high correlation between the creditworthiness of a particular country s commercial banks and that of its government creates an additional source of vulnerability, which is particularly damaging in the eurozone.

This would, in its turn, allow banks and other lenders to better assess enterprise risks using modern ICT based techniques for credit risk assessment and credit scoring.

Women farmers receive only a minor share of formal agricultural credit even in regions where they constitute the majority of producers, for example, in sub Saharan Africa and Asia.41 While specific credit programmes for women have been important for enhancing women's entrepreneurship, greater efforts are needed to ensure women's access to mainstream credit programmes.

Some of this information is available from commercial databases and information service providers

Examples are technology and business information.

Your credit cards have been frozen.

My credit's shot.

Trade programmes with UNCTAD and ITC (computerized trade information system, etc.)

Microenterprise credit product

And this credit card thing?

It'll go back to the credit card used for the original purchase.

(b) Allow utilization of the full value inherent in assets to support credit in a broad array of credit transactions

My credit cards, they never fail.

Networks, clusters, business schools and business associations can help transmit the necessary information and enhance the capacity of developing country enterprises to internationalize

Lack of, and deficiencies in, information can affect businesses in different ways.

QUANTITATIVE ASPECTS OF ICT, E BUSINESS AND

On ICT and e business for development 12

Major credit cards (Visa, MasterCard, American Express, Diner's Card) and travellers' cheques in major foreign currencies are generally accepted in leading hotels, restaurants, department stores and several large stores.

Access points should serve as development hubs for exchanging business and marketing information.

A legal system that supports secured credit transactions is critical to reducing the perceived risks of credit transactions and promoting the availability of secured credit.

As her life grew, credit card was her answer.

Macroeconomic stabilization and the expansion of the financial system increased the credit resources of commercial banks in long term investments geared to technology upgrades for enterprises and the creation of new, competitive production operations.

24. The UNCTAD secretariat has also discussed possible collaboration with OAU in the area of trade information, notably through its Trade Analysis and Information System (TRAINS).

E business cannot develop without trust in ICT.

ICT FOR DEVELOPMENT AGENDA

They anticipate revenue in order to appear creditworthy.

Noting the growing dependence of Governments, businesses, other organizations and individual users on information technologies for the provision of essential goods and services, the conduct of business and the exchange of information,

The growth of the information technology enabled services (ITES) and business process outsourcing (BPO) sector has been fuelled by rapid advances in information and communication technologies (ICTs) during the last decade.

(a) The Investment Management Service requires a detached information technology infrastructure given the nature of its financial functions, its fiduciary responsibility and the highly confidential and time sensitive data with which it deals.

(f) Creating a subregional web facility providing trade and transport documents, a platform for networking and trade information.

Quantitative aspects of ICT, e business and development recent developments 4

You maxed out 15 credit cards and let them go to collections.

Four distinct types of microfinance institutions are operating in the countries of North and Central Asia credit unions, non governmental organization MFIs, commercial banks and microfinance banks.

A key to a successful legal regime governing secured transactions is to enable a broad array of businesses to utilize the full value inherent in their assets to obtain credit in a broad array of credit transactions.

Mastering the specific information related to assessing creditworthiness and monitoring the performance of loans is precisely the kind of thing at which the private sector is supposed to excel.

Business units normally pay the IT organization to assist during projects and then to operate the environment.

Computers remain the most important means of access to the Internet and of ICT use in business processes.

As a result, banks distrust one another and have mostly stopped lending to each other, which jeopardizes economic activity by severely reducing the availability of credit to businesses.

In paragraph 277 of its report, the Board recommended that UNDP perform additional trade verification procedures, such as monitoring of credit and market risk limits, independently of the trading function.

They range from subdued bank lending to unusually high risk aversion, and from discredited credit vehicles to the withdrawal of some institutions from credit intermediation altogether.

Some access is available through Co Operatives and the Credit Unions.

Both countries will facilitate trade and investment expansion through the dissemination of reliable and comprehensive economic data, transparent and stable commercial laws and regulations, and active promotion of business contacts and facilitating access to commercial market information.

Paragraph 13.95 Replace quot Trade Control Measures Information System focal points quot with quot national and regional TRAINS focal points quot .