Traduction de «encours des crédits bancaires » (Français → Anglais) :

6. Highlights the importance of strengthening the local banking system; underlines the responsibility and the functions of banks, ranging from European- to local-scale banks, in terms of investing wisely in the economy and more specifically in SMEs; notes the differences between Member States in the cost of borrowing for SMEs and in access to financing for SMEs resulting from the adverse macroeconomic context, which might have negative competitive implications in border areas; points out that, even though SMEs‘ problems in accessing credit still vary among Member States, the results of the October 2011 ECB Bank Lending Survey show a s ...[+++]ignificant overall tightening of credit standards for loans to SMEs and demonstrate that reducing investments to a minimum can lead to a credit crunch; acknowledges, in addition, that there is a significant demand for micro-credits in the EU;

6. Highlights the importance of strengthening the local banking system; underlines the responsibility and the functions of banks, ranging from European- to local-scale banks, in terms of investing wisely in the economy and more specifically in SMEs; notes the differences between Member States in the cost of borrowing for SMEs and in access to financing for SMEs resulting from the adverse macroeconomic context, which might have negative competitive implications in border areas; points out that, even though SMEs‘ problems in accessing credit still vary among Member States, the results of the October 2011 ECB Bank Lending Survey show a s ...[+++]ignificant overall tightening of credit standards for loans to SMEs and demonstrate that reducing investments to a minimum can lead to a credit crunch; acknowledges, in addition, that there is a significant demand for micro-credits in the EU;

The weak demand for credit explains in part the currently low levels of bank lending, but supply side restrictions are very important too.[56] Necessary deleveraging and restructuring of the banking sector are likely to delay the recovery of bank lending.

2a. In addition to the information referred to in Articles 7a to 7e, 8, 9, 10, 11a and 18, the Report shall include information, in particular, on the availability, amount and cost of banking credit to households and SMEs, the volume and changes therein of public debt owned by credit institutions and the responses given to the opinion issued by the Banking Stakeholder Group.

The high risk that the microcredit represents in conjunction with the current liquidity crisis made the banks even more prudential in their action, which echoed in the limitation of the crediting and a blockage of the crediting sector.

(32) As regards the financial resources of the investor, Germany explains that under the privatisation contract, the buyer's financial obligations are secured by a bank guarantee of EUR 2,05 million, a commitment by a bank in the usual form to secure investment obligations of EUR 6,934 million and a commitment by a bank for a capital loan to secure operational financing amounting to EUR 14,07 million.