2025-05-06-IMF-促进创业和中小企业以支持阿曼的经济多样化_阿曼（英）_14页_893kb

Summary of "Fostering Entrepreneurship and SMEs to Support Economic Diversification in Oman"

1. Context of SMEs in Oman:

   • SMEs (micro, small, and medium enterprises) are vital for economic diversification under Oman Vision 2040. They represent 98% of firms, contribute about 33% to non-hydrocarbon GDP and employ 76% of the private sector workforce as of 2023. SMEs play a crucial role in job creation, with an estimated need for 30,000 new jobs annually by 2032 to accommodate the growing educated labor force.

2. Obstacles to SME Development:

   • Key challenges include limited access to credit due to high non-performing loans and collateral constraints; insufficient risk-taking encouraged by rigid insolvency laws and high public sector salaries; and barriers to business registration and financial rehabilitation, which hinder entrepreneurial dynamism.

3. Recent Policy Actions:

   • Omani authorities have introduced reforms such as a 2019 Bankruptcy Law allowing distressed companies to restructure and continue operations; a new Commercial Companies Law facilitating incorporation of one-person limited liability companies; and the establishment of a Credit Bureau to improve credit decisions. Supportive initiatives include the SME Development Authority's funding programs, partnerships with institutions like Oman Development Bank, and SEZ integration programs that target 10% of contracts for SMEs, reducing registration fees.

4. Policy Priorities:

   • Further actions should focus on modernizing insolvency frameworks with tailored procedures for SMEs to reduce failure costs, implementing a well-designed credit guarantee scheme to enhance access to finance, leveraging FinTech for financial inclusion, and strengthening linkages with multinational enterprises in SEZs through technology, skills development, and export support to foster innovation and growth.