15 Amendments of Philippe LAMBERTS related to 2012/2134(INI)
Amendment 22 #
Motion for a resolution
Paragraph 1
Paragraph 1
1. Welcomes the Commission's Action Plan and its broad set of solutions forproposals and recommendations regarding SMEs;
Amendment 25 #
Motion for a resolution
Paragraph 2
Paragraph 2
2. Agrees with the Commission that Europe's economic success largely depends on growthsustainable growth and job creation based on SMEs;
Amendment 29 #
Motion for a resolution
Paragraph 3
Paragraph 3
3. Underlines that, because of the crisis, many SMEs have difficulties in accessing finance and that SMEs need to comply with more stringent regulatory criteria than before; stresses that banking institutions which have benefited from state aid as well as other implicit subsidies provisions over the crisis such as public guarantees and liquidity support from central banks should be subject to targets regarding their financing amounts and conditions to SMEs; points out that the MERLIN project in the UK provides an interesting benchmark with that purpose;
Amendment 38 #
Motion for a resolution
Paragraph 4
Paragraph 4
4. Underlines the responsibility of banks to invest wisely in the economy and more specifically in SMEs; notes that, in some Member States, SMEs do not have problems in accessing credit; points out that reducing investments to a minimum can lead to a credit crunch whereas in most Member States SME are experiencing severe difficulties in getting access to financing due to the adverse macroeconomic context points out that reducing investments to a minimum can lead to a credit crunch and threaten the unprecedented efforts made by Member States in terms of fiscal consolidation;
Amendment 66 #
Motion for a resolution
Paragraph 8
Paragraph 8
8. Alertsks the Commission that a lot of new and more stringent regulation has been put in place without an overall and inclusive impact assessment; urges the Commission to come forward with such an assessment, specifically focusing on SMEso subject new regulations to an overall and inclusive impact assessment, including a comprehensive SMEs test;
Amendment 70 #
Motion for a resolution
Paragraph 9 a (new)
Paragraph 9 a (new)
9a. Underlines that Commission surveys show that not only access to finance but also access to skills, including managerial skills, financial and accountancy knowledge are critical factors for SMEs to access funds, to innovate, compete and grow; believes that the delivery of EU financial instruments should therefore be accompanied by provision of appropriate mentoring, coaching schemes and delivery of knowledge-based business services;
Amendment 78 #
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;
Amendment 80 #
Motion for a resolution
Paragraph 11
Paragraph 11
11. Believes that a course ofdeveloping entrepreneurshipial skills 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 includeMember States to improve the inclusion of financial education in their education programmes without any deladiligently;
Amendment 101 #
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 and if appropriate to propose binding legal instruments with that purpose;
Amendment 104 #
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; warndeems that strict rules concerning capital requirements mayshould not drive the creditors to ask for these extra 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 105 #
Motion for a resolution
Paragraph 18 a (new)
Paragraph 18 a (new)
18a. Stresses the importance of strengthening local banking systems such as cooperative banks and Credit Unions as well as development banks in order to create better financing conditions for SMEs;
Amendment 113 #
Motion for a resolution
Paragraph 21 a (new)
Paragraph 21 a (new)
21a. Strongly believes that the financial envelope for the debt and equity finance instruments under the COSME Programme and under Horizon 2020, should be substantially increased, and their access to it by SMEs considerably improved;
Amendment 116 #
Motion for a resolution
Paragraph 21 b (new)
Paragraph 21 b (new)
21b. Calls for at least 20% of Horizon be 2020 budget to be allocated to financing innovation in SME, to be delivered through a range of funding from grants to debt and equity financing; points out that at least one third of the budget of the EU financial instruments of Horizon 2020 must be deployed towards SMEs;.
Amendment 118 #
Motion for a resolution
Paragraph 21 c (new)
Paragraph 21 c (new)
21c. Asks the Commission to come forward with a communication highlighting the best practices regarding the institutional framework and incentives for the financing of social and solidarity entrepreneurship and cooperatives as these forms of SMEs play a key role in terms of job creation (10% of overall employment) and long term investments;
Amendment 138 #
Motion for a resolution
Paragraph 24
Paragraph 24
24. Notes that in some Member States there is a record amount of household savings on bank accounts; stresses that activatcreating a proper framework of incentives regarding these household savings can facilitate SMEs' access to finance and boost the EU economy; calls on the Commission to come forward with a proposal on the activation of these savings, e.g. by introducing tax incentives based on the best practices existing within the Member States;