最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

英国政府携手大型银行为中小企业提供融资支持

2008年金融危机爆发时,多家金融机构大幅削减中小企业贷款业务,政府与大型银行的合作贷款服务一时间成为了中小企业的"救命稻草",不过这也同样成为了英国金融科技企业的一大发展契机。如今英国退出欧盟,政治不确定性让这些中小企业再度陷入了财务管理危机。

为保证"退欧"过后经济稳定性,英国政府进入宣布将联合巴克莱银行、汇丰银行、劳埃德银行、苏格兰皇家银行和桑坦德银行等多家英国大型银行集团,为主营出口业务的英国中小企业提供商业融资支持。

英国贸易大臣Liam Fox表示,此举是希望帮助英国中小企业渡过"脱欧"过渡期的难关,继续保持与德国等欧盟市场的竞争力。

相关报告显示,在本次合作中英国政府将向合作银行提供担保,以此降低中小企业借贷风险。具体来说,负责英国出口金融的相关政府部门将负责整个贷款过程中80%的风险。

一位不愿透露姓名的消息人士指出,这个负责出口金融的政府机构有望大幅提升英国中小企业融资总量,协调金融服务业提供更加高效的服务。

据了解,英国出口金融部门自2011年成立以来,已经累计向300多家企业提供了超过6.45亿美元的贷款支持。

As part of a broader effort to keep the economy strong post-Brexit, the United Kingdom has reportedly reached a deal with the nation’s largest banks to provide trade finance to SMEs that are exporting overseas.

According to The Financial Times on Wednesday (July 12), Barclays, HSBC, Lloyds, RBS and Santander are partnering with the United Kingdom to extend trade finance to exporting small businesses (SMBs) and their suppliers. Trade secretary Liam Fox said the move aims to make access to capital easier for those SMEs and their suppliers as the nation works to catch up to other EU markets, like Germany, by boosting exports.

Reports said the agreement will see the government giving banks a guarantee to reduce some of the risk of lending to SMBs. Government body U.K. Export Finance will take on 80 percent of the risk of the loan or bond.

According to Fox, this kind of trade finance “lifts a common barrier to exporting,” and will help SMEs “seize the global demand for British exports.”

One unnamed source told the news outlet that U.K. Export Finance will hopefully increase lending volume by working with these top banking entities. The body offers trade financing itself, but the source said that working with FIs will make that process more efficient.

Reports said U.K. Export Finance has provided nearly $645 million to 300 companies since it began offering trade finance in 2011.

The government’s collaboration with large banks is significant considering they have pulled back from small business lending in the wake of the financial crisis, a pattern seen in multiple markets across the globe. That pullback gave rise to alternative FinTech lenders, but with Brexit creating an air of political uncertainty, many SMEs are still struggling with cash management.

Late last year, research from Hudson Weir found Brexit could be to blame for some SME insolvencies.

“Brexit is unlikely to bring good news for small businesses, and it seems now it’s just a question of how bad it’s going to be,” said Hudson Weir’s Hasib Howlader in an interview with SmallBusiness.co.uk at the time. “With more than 40 percent of small businesses struggling to survive beyond five years, even in a pre-Brexit climate, it’s now more important than ever for small businesses to be looking for warnings signs that their business may be unhealthy.”


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

亚马逊宣布进军英国保险市场

Patricia D... 1天前

英国将继续使用《通用数据保护条例》保护数据安全

吕林倩 09-25

助力环保发展,P2P平台Abundance入选英政府专门小组

潘, 妍媛 09-22

近三成英国Fintech企业计划五年内上市

焦慧 09-11

英国保险科技投资总额再创新高

Ida Axling 09-05

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1