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9998164
Loan Guarantee Schemes: Private and Public Examples
Abstract:
Guarantee schemes have been introduced in the economic and financial system as response to difficulties of SMEs for the access to the banking credit. Guarantee companies first appeared at the 19e century. Last wave of the development of those schemes appeared at the decade of 1990’s in particular to the new countries members of the EU. Guarantee schemes are presented as public owned guarantee companies, private ones mainly through a mutual form, but also under a mixed form. The paper based on guarantee schemes of five countries tries to investigate the differences that can exist within different guarantee companies. This investigation is based on some indicators that are time of response to the demand of guarantee, threshold of guarantee, acceptance of applications for guarantee, jobs created or saved and bureaucratic issues. It appears that guarantee companies have not the same reaction to the demand of SMEs and some of them are much more active.
Digital Object Identifier (DOI):

References:

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[2] M. Roy, "Guarantees and SME access to Finance, in SME Finance Days for SMEs", Nicosia – Cyprus - 27 October 2010.
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[11] J. Walker, "Enterprise Finance Guarantee Scheme (EFG)," Difass Good Practice Fact Sheet No 14, Workshop Theme: Guidance to finance and loan guarantee schemes, Kraków, Poland, 20th March 2013, unpublished.
[12] M. Kokowsky, "BMV Express (Quick Guarantee)," Difass Good Practice Fact Sheet No 12, Workshop Theme: Guidance to finance and loan guarantee schemes, Kraków, Poland, 20th March 2013, unpublished.
[13] A. Chessa, "ERDF Regional Guarantee Fund for SMEs," Difass Good Practice Fact Sheet No 10, Workshop Theme: Guidance to finance and loan guarantee schemes, Kraków, Poland, 20th March 2013, unpublished.
[14] T. Theodoropoulos, "Programme: National Fund for Entrepreneuship and Development (ETEAN Ltd)," Difass Good Practice Fact Sheet No 113, Workshop Theme: Guidance to finance and loan guarantee schemes, Kraków, Poland, 20th March 2013, unpublished.
[15] A. Potinteu, "National Loan Guarantee Fund for SMEs (FNGCIMM)," Difass Good Practice Fact Sheet No 15, Workshop Theme: Guidance to finance and loan guarantee schemes, Kraków, Poland, 20th March 2013, unpublished.
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