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Guarantee Funds in Poland by Tomasz Bąkowski, PhD President National Association of Guarantee Funds . Warszawa, 2012.

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Guarantee funds in poland by tomasz b kowski phd president

Guarantee

Funds

in Poland

by

Tomasz Bąkowski, PhD

President

National Association of Guarantee Funds

Warszawa, 2012


Guarantee funds in poland by tomasz b kowski phd president

General information about Poland:Population: 38.116.000Economically active persons: 17.660.000SMEs: 1.800.000 Area: 312.685 km2GDP: - total: 312.639 billion euro - per capita: 8.202 euro


Guarantee funds in poland by tomasz b kowski phd president

Total Assets of GuaranteeFunds in Poland.


Guarantee funds in poland by tomasz b kowski phd president

Value of guaranteesprovided in the years2004 to 2011.








Guarantee funds in poland by tomasz b kowski phd president

The share of the guarantee by economy.the sector of the economy.



Guarantee funds in poland by tomasz b kowski phd president

The structure of guarantees due to the number of contracts in each range of values ​​guarantees.


Guarantee funds in poland by tomasz b kowski phd president

Guarantees by financial institutions. in each range of values ​​guarantees.


Guarantee funds in poland by tomasz b kowski phd president

Distribution of guarantees for SMEs. in each range of values ​​guarantees.


Guarantee funds in poland by tomasz b kowski phd president

Summary in each range of values ​​guarantees.


Guarantee funds in poland by tomasz b kowski phd president

The general principles: in each range of values ​​guarantees.

The funds provide guarantees of micro, small and medium enterprises (definition of the European Commission), doing business and having its registered office in Poland. In the case of funds that have been supported by the RPO (operational programs in the Regions) or the JEREMIE program, guarantee are available for enterprise who operating in the province.

Lack of ability to repay the debt and the restructuring of the company within the meaning of the Community guidelines on State aid for rescuing and restructuring firms (firms in difficulty) excludes the possibility of sponsoring.

The funds provide guarantees for companies classified in the category of investment. The adoption of the so-called safe rates according to the Commission Notice on the application of art. 87 and 88 EC Treaty to State aid in the form of guarantees (OJ. C 155/02 of 06.20.2008 issued) and the European Commission Communication on the revision of the method for setting reference and discount rates (OJ. C 14 of 19.1. 2008).

Surety shall not be granted to entrepreneurs, who was responsible for the return obtained by the earlier state aid resulting from the European Commission's decision declaring the aid incompatible with the law or with the common market.


Guarantee funds in poland by tomasz b kowski phd president

Guaranteed in each range of values ​​guarantees.loans to finance economic activities, provided by banks with whom the fund has entered into a cooperation agreement.

Guarantees associated with loans are intended for purposes directly related to economic activity. The programs funded by the RPO and JEREMIE are excluded or severely limited funding for current operations (loans and working capital loans).

The maximum value of the guarantee may not exceed 5% of the equity fund.

Total liabilities of the Fund in respect of guarantees given to one business may not exceed 5% of its capital.

The guarantee may be granted up to the max. 80% of the principal amount of the loan and the value of the guarantee for its duration may not exceed 80% of the current commitments under the credit contract.

The funds provide a guarantee for a period of 60 months (regardless of the credit period).

Liability Fund on account of guarantee does not include interest, commissions, fees, charges or costs of the investigation by the funding institution.

The funds generally accept the grace period for liability incurred.


Guarantee funds in poland by tomasz b kowski phd president

The main objectives of the activity of guarantee funds: in each range of values ​​guarantees.


The effects of the financial crisis
The effects of the financial crisis. in each range of values ​​guarantees.


The role of guarantees
The role of guarantees. in each range of values ​​guarantees.


Guarantee funds as market maker
Guarantee Funds as market maker. in each range of values ​​guarantees.


Procedure of loan guarantees
Procedure of loan guarantees. in each range of values ​​guarantees.


Steps of procedure
Steps in each range of values ​​guarantees. of procedure.


Steps procedures in banks
Steps procedures in Banks in each range of values ​​guarantees.


Monitoring sme s by banks
Monitoring in each range of values ​​guarantees.SME’s by Banks.


Default
Default! in each range of values ​​guarantees.


Default by guarantee funds point of view
Default by guarantee funds point of view. in each range of values ​​guarantees.


Guarantee funds in poland by tomasz b kowski phd president

National in each range of values ​​guarantees.Association

of GuaranteeFunds

Adress:

Chałubińskiego 3A lok. 17

02-004 Warszawa, Poland

www. ksfp.org.pl

E-mail: ksfp@ksfp.org.pl