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英国政府通过Funding Circle向中小企业提供1.5亿英镑融资

随着英国脱欧日期临近,近日英国政府同意通过P2P借贷平台Funding Circle向英国中小企业提供更多资金,帮助他们渡过这段特殊时期。

据悉,这笔资金总额1.5亿英镑,由英国商业银行(BBB)提供,属于ENABLE Funding计划的一部分,目标帮扶对象为2000多家英国公司。

这笔款项构成了Funding Circle SME Income Fund Limited(FCIF)的重要组成部分。 FCIF是一家投资信托基金,专门投资于Funding Circle平台的贷款。

在FCIF现有来自欧洲投资银行和花旗银行的款项清偿完成后,BBB的这笔资金就将投入使用。

2016年英国退欧公投后,Funding Circle与欧洲投资银行的数十亿英镑融资计划就陷入搁置状态。

此后,该平台联合创始人James Meekings说服英国政府接替欧洲投资银行加入该融资计划。

自2013年3月以来,英国政府(通过英国商业银行)通过Funding Circle向小企业提供了总计1.65亿英镑的贷款。该平台表示,这项投资已为纳税人赚取净利息约1000万英镑。

 

With Brexit looming, the government has agreed to lend more money to British SMEs via peer-to-peer lending platform Funding Circle.

The new £150m commitment from the British Business Bank (BBB) comes as part its ENABLE Funding programme and aims to support the growth of more than 2,000 UK firms.

The money forms the senior tranche of a Funding Circle SME Income Fund Limited (FCIF) transaction. FCIF is an investment trust which invests exclusively in the Funding Circle platform’s loans.

What this means is that the BBB facility will come into use as the FCIF’s existing facilities – from the European Investment Bank and Citibank – are paid down. A research note from Numis sees the BBB facility as positive in that it will allow the FCIF to maintain its leverage around the 50 per cent limit, ‘which should enhance returns’.

Funding Circle’s planned multi-billion pound funding programme with the European Investment Bank was put on ice after the Brexit referendum of 2016. It did not then take long for James Meekings (pictured right), co-founder of the platform, to call on the UK government to step up in Europe’s place.

Since March 2013, the government (via the British Business Bank) has lent a grand total of £165m to small businesses through Funding Circle. The platform says this investment has yielded roughly £10m in cumulative net interest for the taxpayer.

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