English: The Member raises a number of important points, first of all regarding economic intelligence and the role that the Development Bank of Wales has in this regard. It has an economic intelligence unit that's able to assess market trends and customer trends in a range of different environments and across different sectors. That sort of economic intelligence needs to be utilised, of course, by universities and by students within universities when they are considering starting their businesses, but equally, there is a role for Careers Wales. I was delighted at the start of this month to launch Working Wales, which is a consolidated advice service; it's essentially a single front door for anybody who's seeking career advice to be able to access expert and professional advice in a timely fashion. That can often, then, lead to a referral to Business Wales. So, we now have Careers Wales and Business Wales operating very much in tandem, dovetailing over entrepreneurship. Business Wales has been incredibly successful in supporting business births in recent years, to the point now where we have a record number of businesses existing in Wales. We are preciously close now to having 260,000 businesses operating in Wales and we have a record number of businesses that are headquartered here in Wales. But the Member also makes the point about business death rates and the fear of failure. I do not believe that anybody starting a business should fear failure or, indeed, be embarrassed by failure. Failure is part of the learning process in life and that includes in business, and at the moment, the business death rate in Wales is something in the region of 10.4 per cent. Across the UK, the business death rate is 13.1 per cent. In order to have a dynamic economy, you also have to have churn within the economy, and for that reason, I would say to anybody who is considering starting a business, 'Do not fear failure, particularly on your first attempt', because many of the most successful businesspeople in our country have failed not just once, but on many occasions.
Welsh: Mae'r Aelod yn codi nifer o bwyntiau pwysig, yn gyntaf oll ynghylch deallusrwydd economaidd a'r rôl sydd gan Fanc Datblygu Cymru yn hyn o beth. Mae ganddo uned wybodaeth economaidd sy'n gallu asesu tueddiadau'r farchnad a thueddiadau cwsmeriaid mewn amrywiaeth o wahanol amgylcheddau ac ar draws gwahanol sectorau. Mae angen i wybodaeth economaidd o'r fath gael ei defnyddio, wrth gwrs, gan brifysgolion a chan fyfyrwyr mewn prifysgolion pan fyddant yn ystyried dechrau eu busnesau, ond yn yr un modd, mae rôl gan Gyrfa Cymru i'w chwarae. Roeddwn wrth fy modd ar ddechrau'r mis wrth lansio Cymru'n Gweithio, sy'n wasanaeth cyngor cyfunol; yn y bôn, mae'n ddrws blaen i unrhyw un sy'n awyddus i gael cyngor gyrfaoedd allu cael mynediad at gyngor arbenigol a phroffesiynol mewn modd amserol. Yn aml, gall hynny arwain at atgyfeiriad at Busnes Cymru. Felly, erbyn hyn, mae gennym Gyrfa Cymru a Busnes Cymru yn gweithredu ar y cyd i raddau helaeth, gan blethu dros entrepreneuriaeth. Mae Busnes Cymru wedi bod yn hynod o lwyddiannus yn cynorthwyo busnesau i gychwyn dros y blynyddoedd diwethaf, a bellach mae gennym y nifer fwyaf erioed o fusnesau yng Nghymru. Rydym yn hynod o agos bellach at fod â 260,000 o fusnesau'n gweithredu yng Nghymru, ac mae gennym y nifer fwyaf erioed o fusnesau sydd â'u pencadlys yma yng Nghymru. Ond mae'r Aelod hefyd yn codi pwynt ynghylch cyfradd y busnesau sy'n methu, ac ofni methiant. Ni chredaf y dylai unrhyw un sy'n dechrau busnes ofni methiant, neu deimlo cywilydd am fethu. Mae methiant yn rhan o'r broses ddysgu mewn bywyd ac mae hynny'n cynnwys mewn busnes, ac ar hyn o bryd, mae cyfradd y busnesau sy'n methu yng Nghymru oddeutu 10.4 y cant. Ledled y DU, mae cyfradd y busnesau sy'n methu yn 13.1 y cant. Er mwyn cael economi ddynamig, mae'n rhaid i chi hefyd gael gwrthgiliad yn yr economi, ac am y rheswm hwnnw, buaswn yn dweud wrth unrhyw un sy'n ystyried dechrau busnes, 'Peidiwch ag ofni methiant, yn enwedig ar eich ymgais gyntaf', gan fod llawer o'r bobl fusnes fwyaf llwyddiannus yn ein gwlad wedi methu, ac nid unwaith yn unig, ond ar sawl achlysur.