.:role of BNM:.

Bank Negara Malaysia is the central bank for Malaysia. The objective of BNM in essence encapsulate the importance of promoting economic growth with the price stability and maintaining monetary and financial stability. It was established with the following objective :

• To issue currency and to keep reverse safeguarding the value of the currency. 
• To act as a banker and financial adviser to the government. 
• To promote monetary stability and a sound financial structure 
• To influence the credit situation to the advantage of the Malaysia. 
• To promote the reliable, efficient and smooth operation of national payment and settlement system and to ensure that national payment and settlement system and to ensure that national payment and settlement system policy is directed to the advantage of Malaysia

As a central bank in an emerging economy, Bank Negara Malaysia has an important developmental role. This role ranges from developing the necessary institutions and market infrastructure for the development of a modern and strong financial system to contributing to the strengthening of the foundation of the economy. In strengthening the financial market infrastructure, Bank Negara Malaysia has built a strong payment systems.

These systems are regularly "upgraded" to address the impact of technology on the banking system. To promote a good credit culture among banking institutions, Bank Negara Malaysia also operates the Central Credit Reference Information System. The first of its kind in this region, this system collects and disseminates credit information on all borrowers. This allows banking institutions to make informed decisions on loan applications.