20 Amendments of Herbert DORFMANN related to 2012/2134(INI)
Amendment 9 #
Motion for a resolution
Recital A
Recital A
A. whereas the establishment of more stringent regulations, especially for financial institutions, combined with the economic and debt crisis, may causes a more difficult access to finance for SMEs;
Amendment 26 #
Motion for a resolution
Paragraph 2
Paragraph 2
2. Agrees with the Commission that the European Union's economic success largely depends on growth based on SMEs;
Amendment 30 #
Motion for a resolution
Paragraph 3
Paragraph 3
3. Underlines that, because of the financial and economic crisis, many SMEs have difficulties in accessing finance and that SMEs need to comply with more stringent regulatory criteria than before;
Amendment 34 #
Motion for a resolution
Paragraph 3 a (new)
Paragraph 3 a (new)
3a. Notes that SMEs have to adapt to a new regulatory environment;
Amendment 35 #
Motion for a resolution
Paragraph 3 b (new)
Paragraph 3 b (new)
3b. Notes that in the recent years there were several activities regarding the reduction of red tape;
Amendment 45 #
Motion for a resolution
Paragraph 4 a (new)
Paragraph 4 a (new)
4a. Underlines that the cost of finance for SMEs can differ between Member States, which affects negatively their competitiveness, especially in border areas;
Amendment 57 #
Motion for a resolution
Paragraph 7
Paragraph 7
7. Stresses that there is no one-size-fits-all mode of finance and calls on the Commission to support the development of a broad range of tailored programmes and, instruments and initiatives, both in equity (such as business angels, crowd funding and multilateral trading facilities) and in debt instruments (such as small-ticket company bonds and guarantee facilities, guarantee facilities and platforms) and in partnerships between banks and other operators involved in SME financing (accountancy professionals, business or SME associations or chambers of commerce);
Amendment 73 #
Motion for a resolution
Paragraph 10
Paragraph 10
10. Notes that entrepreneurs' lack of knowledge about basic finance limits the quality of business plans and thus also the success of a credit application; therefore calls on the Commission and the Member States to provide professional training support to potential entrepreneurs and supports initiatives as partnerships between banks, chambers of commerce, business associations and accountancy professionals;
Amendment 81 #
Motion for a resolution
Paragraph 11
Paragraph 11
11. Believes that a course of entrepreneurship and business financing should be included in basic education systems; believes that a well-prepared business plan is the first step towards better access to finance; calls on the Commission and the Member States to include financial education in their education programmes without any delay;
Amendment 84 #
Motion for a resolution
Paragraph 11
Paragraph 11
11. Believes that a course of entrepreneurship should be included in basic education systems; believes that a well-prepared business plan is the first step towards success in business and towards better access to finance; calls on the Commission and the Member States to include financial education in their education programmes without any delay;
Amendment 89 #
Motion for a resolution
Paragraph 13
Paragraph 13
13. Stresses that informing entrepreneurs and, potential entrepreneurs and banks on a regular basis about training initiatives, EU funding and programmes for SMEs is indispensable;
Amendment 95 #
Motion for a resolution
Paragraph 15
Paragraph 15
15. Notes that creditors know better credit tools than entrepreneurs do and that entrepreneurs do not always communicate openly with creditors about their business plan and their long-term strategy; stresses that this information gap creates difficulties when discussing a credit application; calls on the Commission to circulate the existing best practices on specific solutions concerning the dialogue, cooperation and the exchange of information between creditors and entrepreneurs; calls on the Commission to strengthen the dialogue and cooperation between entrepreneurs and creditors;
Amendment 97 #
Motion for a resolution
Paragraph 15 a (new)
Paragraph 15 a (new)
15a. Creditors should set clear and specified criteria on the application for finance in a transparent manner; Creditors should grant to the entrepreneurs the option to contest a negative decision;
Amendment 98 #
Motion for a resolution
Paragraph 15
Paragraph 15
15. Notes that creditors know better credit tools than entrepreneurs do and that entrepreneurs do not always communicate openly with creditors about their business plan and their long-term strategy; stresses that this information gap creates difficulties when discussing a credit application; stresses that their is a strong need to dialogue and communicate between creditors and entrepreneurs about their business plan and their long-term strategy; calls on the Commission to circulate the existing best practices on specific solutions concerning the dialogue and the exchange of information between creditors and entrepreneurs;
Amendment 99 #
Motion for a resolution
Paragraph 16
Paragraph 16
16. Stresses that when a creditor rejects a credit application, the creditor must inform the entrepreneur adequately about the reasons for the rejection and must give the entrepreneur the opportunity to request a review of the decision; calls on the Commission to define clear guidelines on transparency;
Amendment 100 #
Motion for a resolution
Paragraph 16
Paragraph 16
16. Stresses that when a creditor rejects or partly rejects the full amount of a credit application, the creditor must inform through a constructive approach the entrepreneur adequately about the reasons for the rejection and must give the entrepreneur the opportunity to request a review of the decision; calls on the Commission to define clear guidelines on transparency;
Amendment 102 #
Motion for a resolution
Paragraph 17 a (new)
Paragraph 17 a (new)
17a. Notes that the increased interest rate might be linked to an increase of non price terms and conditions (collaterals and guarantees);
Amendment 103 #
Motion for a resolution
Paragraph 18
Paragraph 18
18. Notes that when granting a credit to SMEs, creditors often ask, in addition to a regular bank guarantee, for an extra personal guarantee; warnnotes that strican increased interest rulates concerning capital requirements may dmight lead to an increase of non privce the creditor to ask for these extraerms and conditions including personal guarantees, which are an obstacle to accessing finance for SMEs, and calls on the Commission to present a proposal aimed at limiting their use;
Amendment 128 #
Motion for a resolution
Paragraph 23 a (new)
Paragraph 23 a (new)
23a. Calls on the Commission to support new ways of funding like crowdfunding platforms;
Amendment 129 #
Motion for a resolution
Paragraph 23 a (new)
Paragraph 23 a (new)
23a. Calls on the Commission to establish a permanent European Guarantee Platform under the European Investment Fund to ease SMEs' access to finance, which improves the development of guarantees or lending products based on European guarantees and reduces bank capital requirements and risk exposure for financial intermediaries;