About Megumi Sagara
Megumi Sagara is a sales planning manager at the CRD Association.Are financial statements effective in evaluating the creditworthiness of small and medium-sized enterprises?
The credit risk database (CRD) was established in March 2001 as a membership organization to collect financial statements, some nonfinancial information, and default information of small and medium-sized enterprises (SMEs) in Japan. CRD members are composed of all credit guarantee corporations (CGCs) in Japan, government-affiliated or private financial institutions, and so on.
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