1、conclusion
Firstly, government efforts toward enhancing the capability and capacity of SMEs as the country growth engine has been remarkable. Continuous multi-types assistance has been introduced for all levels of SMEs. Broadly success has been evident but not in all areas. Firstly, institutional issues relating to comprehending the various schemes and identifying implementing agencies that run the schemes have confused not only SMEs but also financial institutions.
Secondly, SME is dominated by micro enterprises. Demands and needs of micro enterprises may differ from small and definitely with medium enterprises. Therefore despite various efforts being introduced to enhance SMEs complaints are abound because the needs of micro enterprises have not been understood and therefore not met. For example, micro enterprises which started as cottage industries seldom have financial documentation to support their financial application and some have limited or no knowledge of the various financial schemes provided by government or financial institutions.
Thirdly, the changing global environment has seen a mushrooming of of SMEs in Malaysia. The government has been developing and promoting SMEs but the results have been mixed, partly because policymakers were late in classifying the different


一、總結(jié)
首先、政府在提高中小企業(yè)的能力作為國家經(jīng)濟增長的引擎方面的努力已經(jīng)變得十分明顯。持續(xù)多樣的援助已經(jīng)被引入各種水平的中小企業(yè)。廣泛的成功是顯著的，但并不是所有領(lǐng)域都是這樣。首先，不只中小企業(yè)，金融機構(gòu)在理解各項計劃和確定實施這些計劃的政策的體制問題方面混淆不清。
其次，中小企業(yè)以微型企業(yè)為主。微型企業(yè)的需求可能不同于小企業(yè)，無疑更不同于中型企業(yè)。因此，盡管在提高中小企業(yè)方面付出了各種努力，但針對中小企業(yè)的投訴卻比比皆是。因為中小企業(yè)的需求沒有能被理解，所以其需求就不會被滿足。例如，以家庭手工業(yè)形式發(fā)起的微型企業(yè)很少有財務(wù)文件支持它們呢的財務(wù)運用，它們很少或者幾乎不知道由政府或者金融機構(gòu)提供的各種金融計劃。
第三，在不斷變化的全球環(huán)境下，馬來西亞的中小型企業(yè)如雨后春筍般出現(xiàn)。政府也一直致力于發(fā)展和提高中小企業(yè)，但結(jié)果有好有壞，部分原因是政策制定者在區(qū)分微型企業(yè)、小型企業(yè)和中型企業(yè)的不同需求和特點方面滯后。發(fā)展中小企業(yè)的多樣化和全球競爭性是去的可持續(xù)經(jīng)濟發(fā)展的中心點。中小企業(yè)在更廣泛的發(fā)展議程，特別是在馬來西亞各民族人民之間消除貧困和公平發(fā)展方面，扮演者重要角色。