Tackling Small And Medium Sized Enterprise Problem Loans In Europe PDF Download
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Author | : Mr.Wolfgang Bergthaler |
Publisher | : International Monetary Fund |
Total Pages | : 36 |
Release | : 2015-03-30 |
Genre | : Business & Economics |
ISBN | : 1498384838 |
Download Tackling Small and Medium Enterprise Problem Loans in Europe Book in PDF, ePub and Kindle
The global financial crisis has left a large private sector debt overhang and high levels of non- performing loans (NPLs) in several European countries. Small and medium-size enterprises (SMEs) represent a significant and weak segment of the nonfinancial corporate sector. SMEs face a number of legal, financial, and regulatory challenges to restructuring that differ from those of larger corporates, such as a rigid and costly insolvency regime, a higher fixed cost to loan restructuring, and the lack of alternative sources of financing. Given SMEs’ large presence and close links to the banking system, addressing the SME loan problem in Europe will be critical for strengthening bank and corporate balance sheets and supporting a more robust and sustained recovery.
Author | : Wolfgang Bergthaler |
Publisher | : |
Total Pages | : 36 |
Release | : 2015 |
Genre | : Bankruptcy |
ISBN | : |
Download Tackling Small and Medium Sized Enterprise Problem Loans in Europe Book in PDF, ePub and Kindle
The global financial crisis has left a large private sector debt overhang and high levels of non- performing loans (NPLs) in several European countries. Small and medium-size enterprises (SMEs) represent a significant and weak segment of the nonfinancial corporate sector. SMEs face a number of legal, financial, and regulatory challenges to restructuring that differ from those of larger corporates, such as a rigid and costly insolvency regime, a higher fixed cost to loan restructuring, and the lack of alternative sources of financing. Given SMEs' large presence and close links to the banking system, addressing the SME loan problem in Europe will be critical for strengthening bank and corporate balance sheets and supporting a more robust and sustained recovery.
Author | : |
Publisher | : |
Total Pages | : |
Release | : 2015 |
Genre | : |
ISBN | : 9781475552263 |
Download Tackling Small and Medium Enterprise Problem Loans in Europe Book in PDF, ePub and Kindle
Author | : Mr.Shekhar Aiyar |
Publisher | : International Monetary Fund |
Total Pages | : 79 |
Release | : 2015-09-24 |
Genre | : Business & Economics |
ISBN | : 1513511653 |
Download A Strategy for Resolving Europe's Problem Loans Book in PDF, ePub and Kindle
Europe’s banking system is weighed down by high levels of non-performing loans (NPLs), which are holding down credit growth and economic activity. This discussion note uses a new survey of European country authorities and banks to examine the structural obstacles that discourage banks from addressing their problem loans. A three pillared strategy is advocated to remedy the situation, comprising: (i) tightened supervisory policies, (ii) insolvency reforms, and (iii) the development of distressed debt markets.
Author | : Mr.Wolfgang Bergthaler |
Publisher | : International Monetary Fund |
Total Pages | : 36 |
Release | : 2015-03-30 |
Genre | : Business & Economics |
ISBN | : 1475551592 |
Download Tackling Small and Medium Enterprise Problem Loans in Europe Book in PDF, ePub and Kindle
The global financial crisis has left a large private sector debt overhang and high levels of non- performing loans (NPLs) in several European countries. Small and medium-size enterprises (SMEs) represent a significant and weak segment of the nonfinancial corporate sector. SMEs face a number of legal, financial, and regulatory challenges to restructuring that differ from those of larger corporates, such as a rigid and costly insolvency regime, a higher fixed cost to loan restructuring, and the lack of alternative sources of financing. Given SMEs’ large presence and close links to the banking system, addressing the SME loan problem in Europe will be critical for strengthening bank and corporate balance sheets and supporting a more robust and sustained recovery.
Author | : Eva Kaili |
Publisher | : Springer |
Total Pages | : 204 |
Release | : 2019-02-28 |
Genre | : Business & Economics |
ISBN | : 3030028313 |
Download New Models of Financing and Financial Reporting for European SMEs Book in PDF, ePub and Kindle
This book looks at the 23 million registered Small and Medium Enterprises (SMEs) that make up 98 per cent of the EU economy. Addressing the high end of SMEs in terms of new models for SME funding and financial reporting, this merged way of looking at SMEs reveals a ‘myopic’ thinking in terms of net present value and (future) cash flows generating short-termism and low risk appetite for business. This is not an accounting issue, but rather a preference toward certain financial tools. A segment of SMEs, the ones that seek new ways of funding possibilities, as well as modern technologies (MTFs listing, blockchain, ICOs, etc.) do require, even without knowing, IFRS for SMEs. This book reveals how market conditions impact the financial performance and sustainability of SMEs and also generate innovative policy interventions and financing strategies for SME integrity and efficiency. The authors frame their arguments in the context of the Capital Markets Union, looking at the Innovation Triangle, SME growth ecosystem and business models. They conclude by advocating for closing the circle of financing and financial reporting for SMEs, while considering if new financial models of financing and financial reporting are good for all the SMEs or only for some. The economy is being shaped by new models of financing and financial reporting. Read this practitioners’ view to understand the current changes and challenges.
Author | : Mr.Federico J Diez |
Publisher | : International Monetary Fund |
Total Pages | : 29 |
Release | : 2021-04-02 |
Genre | : Business & Economics |
ISBN | : 1513574566 |
Download Insolvency Prospects Among Small-and-Medium-Sized Enterprises in Advanced Economies Book in PDF, ePub and Kindle
The COVID-19 pandemic has increased insolvency risks, especially among small and medium enterprises (SMEs), which are vastly overrepresented in hard-hit sectors. Without government intervention, even firms that are viable a priori could end up being liquidated—particularly in sectors characterized by labor-intensive technologies, threatening both macroeconomic and social stability. This staff discussion note assesses the impact of the pandemic on SME insolvency risks and policy options to address them. It quantifies the impact of weaker aggregate demand, changes in sectoral consumption patterns, and lockdowns on firm balance sheets and estimates the impact of a range of policy options, for a large sample of SMEs in (mostly) advanced economies.
Author | : OECD |
Publisher | : OECD Publishing |
Total Pages | : 140 |
Release | : 2006-10-25 |
Genre | : |
ISBN | : 9264029419 |
Download The SME Financing Gap (Vol. I) Theory and Evidence Book in PDF, ePub and Kindle
Analyzes the lack of funding for small and medium-sized enterprises (SMEs) and recommends measures to foster an improved flow of financing.
Author | : Asian Development Bank |
Publisher | : Asian Development Bank |
Total Pages | : 262 |
Release | : 2021-12-01 |
Genre | : Business & Economics |
ISBN | : 9292691163 |
Download Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies Book in PDF, ePub and Kindle
High and persistent levels of nonperforming loans (NPLs) have featured prominently in recent financial crises. This book traces NPL trends during and after crises, examines the economic impact of high NPLs, and compares the effectiveness of NPL resolution strategies across economies in Asia and Europe. The book distills important lessons from the experiences of economies using case studies and empirical investigation of ways to resolve NPLs. These findings can be invaluable in charting a course through the financial and economic fallout of the coronavirus disease (COVID-19) pandemic to recovery and sustained financial stability in Asia, Europe, and beyond.
Author | : Patrizio Messina |
Publisher | : Kluwer Law International B.V. |
Total Pages | : 222 |
Release | : 2019-06-19 |
Genre | : Law |
ISBN | : 9403501448 |
Download Finance for SMEs: European Regulation and Capital Markets Union Book in PDF, ePub and Kindle
With the European Commission’s announcement of the Capital Markets Union in 2016, a major step was at last taken to provide for the special needs of small and medium enterprises (SMEs). This book presents the first in-depth legal analysis of the challenges that SMEs have to face when managing their balance sheets and trying to attract investors, what alternative financing tools are most effective and how recent legislation reaches fair and convenient conditions for SMEs. The analysis focuses specifically on the Capital Markets Union structure and on other European initiatives that support and enhance SMEs’ raising money on capital markets in order to better diversify their investments and plan a growth and development strategy. An updated description of the European framework is provided, together with references to relevant national systems. Issues and topics covered include the following: need for long-lasting access to funds; securitization for SMEs; SME Z-score; crowdfunding; and peer-to-peer, minibond and accounts receivables financing. Case study analyses furnish a deep understanding of the financial structures and their main features. Appendices include English texts of the main European Union (EU) legal documents pertaining to SMEs. For SMEs discouraged by over-regulation designed for larger businesses, and who find themselves in difficulties when they have to face the required process, this book will prove to be of immeasurable practical value. This book represents one of the first publications on SMEs and finance and contains data and information resulting from a deep and well-focused research on the topic. The added value of this study will allow the academics to understand the main issues related to this topic and will provide for a steady basis for further research and analysis with regards to law and economics for SMEs. Furthermore, it will be also warmly welcomed by practitioners in the area of SME financing and will be useful to support them in the selection of the most appropriate tools for their clients. Banks and interested EU officials will also value its clear and straightforward approach to the subject.