中小企業は彼らのドイツ語の対応も信用のために77％以上を支払う
Cepyme苦情は、クレジットアプリケーションの3分の1未満でサービスされている
Las pymes pagan un 77% más por el crédito que sus homólogas alemanas
Cepyme denuncia que se atiende menos de un tercio de las solicitudes de crédito
SMEs pay 77% more for credit than their German counterparts
Cepyme complaint being served less than a third of credit applications
The Spanish SME financing pay 77% more than the German and 35% higher than the euro area average, according to an article by Joaquin Maudos included in the latest issue of the 'Journal of Economic Information' edited by the Savings Banks Foundation (Func).
The article highlights that companies from countries that have suffered sovereign debt crisis pay 85% more for their funding than the rest. In the case of Spain, Maudos indicates that SMEs are paying for their funding (considering loans below one million euros) 105 basis points more than the euro area average, "while the other companies (for loans above one million euros), pay an extra 35 basis points. "
the author, the troubled countries of the euro zone pay 85% more for credit than the rest, which, in his opinion, "coupled with the politics of austerity, hampers the chances of recovery of these countries."
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From the group of people affected by this credit policy, the president of the Spanish Confederation of Small and Medium Enterprises (Cepyme), Jesus Plywood, reported that the audited entities serve only 20% of loan applications. For their part, banks have been rescued serve only 30% of requests.
"I do not think that 70% or 80% of SMEs are insolvent, because they would all closing and we still have more than three million business activities," stressed Plywood, which has stressed the need to "unblock" the credit as soon as possible.
Plywood, told Cope chain by Europa Press, said that after six years of crisis, the balance sheets of companies "are very resentful" and financial institutions, to the granting of credits, their demands have risen much , so most of the requests are dropped for lack of solvency.
Cepyme president has advocated changing the existing security model in the banking system. "We can not continue with that or a mortgage either which is used when applying for credit. Has to be more professionalism in the financial world. Has to be modified to be truly business on providing security the requested credit, "he emphasized.
Plywood recalled that financial institutions have received 40,000 million for sanitized, a process that, in his opinion, is not complete, and that could help that Spain asked some more money in the total amount offered the Eurogroup , a possibility has not been ruled out. The governor of the Bank of Spain, Luis Maria Linde, admitted on Monday that the government will decide in October whether calls for more funds.
"Entities should be sanitized completely rescued. Maybe they need something more to give credit, there must be some tool that unclog the credit" insisted Terciado, who on Tuesday took part in the meeting which organized the Prime Minister, Mariano Rajoy, with small and medium entrepreneurs to introduce the new Law on Entrepreneurs. The president of the association of SMEs stated that the content of the rule is "encouraging", but quickly asked the Executive in the implementation of the measures contained therein.
The project includes new tax incentives and reduced administrative burdens for entrepreneurs, as well as limit their liability and court negotiation mechanism debt to prevent a bad experience entrepreneurs to desist from creating another company and looking for a second chance.
"SMEs and the self have hair past this crisis (...) The measures are beginning to design, but some are dilated until next year, and we have asked for more speed, but we welcome it," he said.
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