Traduction de «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;

7. Notes with concern that the financial crisis and subsequent recession have affected European micro-enterprises and SMEs in particular, many of which are family businesses, and highlights the importance of EU assistance in relaunching economic growth by supporting the creation of high-quality jobs and the importance of fostering a favourable regulatory framework as regards, in particular, access to finance, taxation and inclusive social security protection for all actors in SME structures; stresses that well-targeted support towards healthy restructuring could have major positive effects on job retention, and highlights, furthermore, ...[+++]the importance of facilitating administrative procedures for family businesses, including through the use of one-stop-shop solutions; stresses the local job creation potential of SMEs in new and emerging sectors such as the circular economy; stresses that, as passing the business on from one generation to the next is the main challenge family businesses are facing, it is important that Member States try to improve the legal framework for the transfer of family businesses and improve access to finance for these transfers, thereby preventing cash-flow problems and distress sales and ensuring that family businesses survive; stresses, at the same time, that the legal framework must not permit any restriction of employees’ rights, including social rights;

87. Notes that SMEs and microenterprises are key drivers of job creation in Europe; stresses that SMEs and microenterprises face particular challenges when exploiting the job opportunities of a green transition, in particular regarding access to finance, training and bridging skills gaps; calls on the Commission and the Member States to take ambitious action to provide support to facilitate green job creation in SMEs and microenterprises, including targeted information, awareness raising, technical assistance and access to finance a ...[+++]nd training measures;

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;