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未来的中小企业融资 Future of SME finance

论文作者:www.51lunwen.org论文属性:学术文章 Scholarship Essay登出时间:2014-05-24编辑:auditjiang点击率:3343

论文字数:5909论文编号:org201405240903595778语种:英语论文 English地区:中国价格:$ 22

关键词:SME丨内部融资丨Basel II丨风险资本丨Transparent rating procedures

摘要:经济增长和就业在欧盟和的核心是里斯本战略,其主要目标是使欧洲成为最有竞争力的和有活力的知识型经济在世界上,中小型企业作出重大贡献 。 然而,中小型企业能力的增长取决于其潜在的高投资在结构调整,创新和资格,所有这些投资需要资金,在此背景下的一贯反复投诉的中小企业的问题就在于获得融资,这是一个高度相关的约束,关乎欧洲经济复苏。变化的影响 ,金融部门的行为 ,信贷机构对工艺品,贸易和中小企业。

外文资料原文
Title:Future of SME Finance
Background – the environment for SME finance has changed
   Future economic recovery will depend on the possibility of Crafts, Trades and SMEs to exploit their potential for growth and employment creation.
   SMEs make a major contribution to growth and employment in the EU and are at the heart of the Lisbon Strategy, whose main objective is to turn Europe into the most competitive and dynamic knowledge-based economy in the world. However, the ability of SMEs to grow depends highly on their potential to invest in restructuring, innovation and qualification. All of these investments need capital and therefore access to finance.
   Against this background the consistently repeated complaint of SMEs about their problems regarding access to finance is a highly relevant constraint that endangers the economic recovery of Europe.
   Changes in the finance sector influence the behavior of credit institutes towards Crafts, Trades and SMEs. Recent and ongoing developments in the banking sector add to the concerns of SMEs and will further endanger their access to finance. The main changes in the banking sector which influence SME finance are:
   • Globalization and internationalization have increased the competition and the profit orientation in the sector;
   • worsening of the economic situations in some institutes (burst of the ITC bubble, insolvencies) strengthen the focus on profitability further;
   • Mergers and restructuring created larger structures and many local branches, which had direct and personalized contacts with small enterprises, were closed;
   • up-coming implementation of new capital adequacy rules (Basel II) will also change SME business of the credit sector and will increase its administrative costs;
   • Stricter interpretation of State-Aide Rules by the European Commission eliminates the support of banks by public guarantees; many of the effected banks are very active in SME finance.
   All these changes result in a higher sensitivity for risks and profits in the finance sector.
   The changes in the finance sector affect the accessibility of SMEs to finance.
   Higher risk awareness in the credit sector, a stronger focus on profitability and the ongoing restructuring in the finance sector change the framework for SME finance and influence the accessibility of SMEs to finance. The most important changes are:
   • In order to make the higher risk awareness operational, the credit sector introduces new rating systems and instruments for credit scoring;
   • Risk assessment of SMEs by banks will force the enterprises to present more and better quality information on their businesses;
   • Banks will try to pass through their additional costs for implementing and running the new capital regulations (Basel II) to their business clients;
   • due to the increase of competition on interest rates, the bank sector demands more and higher fees for its services (administration of accounts, payments systems, etc.), which are not only additional costs for SMEs but also limit their liquidity;
   • Small enterprises will lose their personal relationship with decision-makers in local branches – the credit appl论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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