Traduction de «G-20 SME Finance Challenge » (Anglais → Français) :

improving access to finance through loan guarantees to help SMEs deal with the challenges of globalisation and climate change

4. Points out that SMEs across Europe are very heterogeneous in terms of the business models they use and the investment and innovation criteria they apply, and therefore face different types of financing challenge; stresses that this should be reflected in their finance modes and recommends differentiated methods of analysis and support for each investment model;

D. whereas access to finance continues to be one of the most significant challenges facing the creation, survival and growth of SMEs, micro-enterprises, social enterprises and cooperatives; whereas easing SME access to finance is crucial for the adoption of greener technology and for investment in sustainable business practices; whereas the private sector has an important role to play in developing alternative ways of financing;

F. whereas lack of finance, alongside a weaker entrepreneurial spirit than in other industrialised economies, remains one of the main challenges to EU enterprises’ competitiveness and entrepreneurship, and whereas persistent regulatory fragmentation and red tape continue to limit SMEs’ capacity, especially that of small and microenterprises, to adapt to an energy- and resource-efficient economy and expand into markets beyond their home country, both withi ...[+++]n the single market and worldwide;

20. Calls in the preparation of the future cohesion policy post 2013 for a strong EU-wide cohesion policy that streamlines existing funds and programmes that should ensure adequate financial resources and align the policy with the objectives of Europe 2020 Strategy; believes that funds should be focused on meeting the challenge of economic restructuring making the shift to a sustainable and competitive economy, including existing programmes aimed at globalisation, education, vocational training etc. to combat unemployment and reducin ...[+++]g social inequalities; is strongly opposed to any renationalisation; furthermore, calls for proposals to improve the absorption capacity through innovation investment and facilitating access to finance for SMEs; asks in this context the Commission to consider a new system, for instance called JERICHO (‘Joint Rural Investment CHOice’), for the Rural Development Fund which, based on the experience from the JEREMIE initiative, could provide SMEs with finance in rural areas where the market fails; believes that simplification, better application of the partnership principle and multi-level governance would improve absorption rate;

20. Welcomes the Commission's instruments in the field of micro-credit, mezzanine capital, business angel finance and securitisation of SME debt finance portfolios and risk capital in order to facilitate access to finance for small enterprises; calls for the development of a general system of SME-financing instruments such as laxer conditions for loans taking into account the company's structure and field of activity, conditions which could be implemented by regional and local intermediaries; requests that services in support of business and innovation raise awareness of, and prepare small enterprises for, the new rating culture and a ...[+++]closer cooperation with the capital market and consequently offer more support to professionalise such enterprises' management;