Кредитни линии за поддршка на агроиндустрискиот комплекс
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Кредитни линии за поддршка на агроиндустрискиот комплекс
- 1. Кредитни линии заКредитни линии за поддршка наподдршка на агроиндустрискиотагроиндустрискиот комплекскомплекс презентер: д-р Горан Ковачевпрезентер: д-р Горан Ковачев Македонска банка за поддршкаМакедонска банка за поддршка на развојот АД - Скопјена развојот АД - Скопје Битола, мај 2013Битола, мај 2013
- 2. 1. Кредити од Земјоделски1. Кредити од Земјоделски кредитен дисконтен фондкредитен дисконтен фонд Македонска банка за поддршкаМакедонска банка за поддршка на развојот АД - Скопјена развојот АД - Скопје
- 3. ЦелиЦели Подобрување на животниот стандард на населението во руралните средини преку зголемување на економската активност и намалување на невработеноста Подобрување на конкурентноста на македонските компании и зголемување на извозот
- 4. Целна групаЦелна група Носители на земјоделски стопанства кои имаат поднесено барање за упис во ЕРЗС МСП кои се занимаваат со примарно земјоделско производство МСП кои вршат преработка на примарни земјоделски производи МСП кои вршат извоз на примарни и преработени земјоделски производи Корисници на ИПАРД програмата
- 5. Модел на кредитирањеМодел на кредитирање Пласман на средствата преку селектирани финансиски институции Заедничко финансирање (МБПР + финансиска институција + кредитокорисник) макс. 80% од кредитот мин. 20% од кредитот мин. 20% од вкупна инвестиција Строго наменско користење на средствата од страна на кредитокорисниците Кредитниот ризик е на товар на финансиските институции
- 6. Модел на рефинансирање (прод.)Модел на рефинансирање (прод.) кредитобарателкредитобарател деловна банка/ штедилница деловна банка/ штедилница МБПРМБПР добавувачидобавувачи
- 7. Кредитни категорииКредитни категории 1.1. Кредити за примарно земјоделскоКредити за примарно земјоделско производствопроизводство – до 100.000 ЕУР– до 100.000 ЕУР намена - за основни и обртни за примарно земјоделско производство 2.2. Кредити за преработка на земјоделскиКредити за преработка на земјоделски производипроизводи – до 300.000 ЕУР– до 300.000 ЕУР намена - за основни и обртни за преработка на земјоделски производи 3.3. Кредити за извоз на примарни и преработениКредити за извоз на примарни и преработени земјоделски производиземјоделски производи – до 300.000 ЕУР– до 300.000 ЕУР намена - за основни и обртни средства поврзани со извоз на примарни и преработени земјоделски произв.
- 8. Вклучени финансиски институцииВклучени финансиски институции НЛБ Тутунска банка АД - Скопје Шпаркасе банка Македонија АД - Скопје Комерцијална банка АД – Скопје ПроКредит банка АД - Скопје Стопанска банка АД – Битола Охридска банка АД – Охрид ТТК банка АД - Скопје Централна кооперативна банка АД - Скопје Стопанска банка АД - Скопје УНИ банка АД - Скопје Штедилница Можности ДОО - Скопје Штедилница ФУЛМ ДОО - Скопје
- 9. Каматни стапкиКаматни стапки За кредити пласирани преку вклучените деловниделовни банкибанки изнесуваат: - 4%4% на годишно ниво за кредитите наменети за примарното земјоделско производство - 5%5% на годишно ниво за кредитите наменети за преработка или извоз За кредити пласирани преку вклучените штедилнициштедилници изнесуваат: - 6%6% на годишно ниво за кредитите наменети за примарното земјоделско производство - 6,5%6,5% на годишно ниво за кредитите наменети за преработка или извоз
- 10. Други кредитни условиДруги кредитни услови Потребната документација, рокот на отплата, обезбедувањето итн. ги утврдува секоја финансиска институција согласно сопствената кредитна политика и во зависност од: - видот и намената на инвестицијата, - износот на кредитот, - условите на производство и др.
- 11. Структура на кредитно портфолиоСтруктура на кредитно портфолио (заклучно со 20.5.2013 година)(заклучно со 20.5.2013 година) категорија број на кредити износ (мил. ЕУР) % примарно земјоделство 5.200 38,7 56 преработка 346 26,5 38 извоз 64 4,3 6 вкупно 5.610 69,5 100
- 12. 2. Кредити за2. Кредити за производство, преработкапроизводство, преработка и извоз на земјоделскии извоз на земјоделски производипроизводи Македонска банка за поддршкаМакедонска банка за поддршка на развојот АД - Скопјена развојот АД - Скопје
- 13. ЦелиЦели Подобрување и развој на производствените способности на микро, малите и средни претпријатија чија основна дејност е производство, преработка и извоз на земјоделски производи и нивни преработки
- 14. Целна групаЦелна група Микро, мали и средни претпријатија (согласно Закон за државна помош) кои вршат производство, откуп и преработка на земјоделски производи или откуп и извоз на примарни земјоделски производи и нивни преработки (регистрирани за овие дејности при МЗШВ)
- 15. Модел на кредитирањеМодел на кредитирање Директно од МБПР Строго наменско користење на средствата од страна на кредитокорисниците (во рок од 90 дена по исплатата) МБПРМБПР кредитобарателкредитобарател добавувачидобавувачи
- 16. Кредитни категорииКредитни категории 1.1. Кредити за примарно земјоделско производствоКредити за примарно земјоделско производство – до 300.000 евра– до 300.000 евра намена - за основни и обртни за примарно земјоделско производство 2. Кредити за преработка на земјоделски2. Кредити за преработка на земјоделски производипроизводи – до 300.000 евра (за откуп на– до 300.000 евра (за откуп на грозје, пченица, овошје и зеленчук до 500.000грозје, пченица, овошје и зеленчук до 500.000 ЕУР)ЕУР) намена - за основни и обртни за преработка на земјоделски производи 3. Кредити за извоз на примарни и преработени3. Кредити за извоз на примарни и преработени земјоделски производиземјоделски производи – до 300.000 ЕУР– до 300.000 ЕУР намена - за основни и обртни средства поврзани со
- 17. Кредитни условиКредитни услови Каматна стапка: 3% Еднократна провизија: 0,8% од износот на кредитот Рок на враќање: - до 60 месеци со вклучен грејс период до 12 месеци (за основни средства) - до 18 месеци со вклучен грејс период до 3 месеци (за обртни средства) Обезбедување: - хипотека од прв ред најмалку во висина од 2:1 или - банкарска гаранција
- 18. Други кредитни условиДруги кредитни услови Сопствено учество од најмалку 20% од вкупната инвестиција Задоволителен степен на ликвидност и способност за сервисирање на долгот Позитивен финансиски резултат во последната фискална година Целосно измирени обврски кон државата (даноци, придонеси и др.)
- 19. Структура на кредитно портфолиоСтруктура на кредитно портфолио (заклучно со 20.5.2013 година)(заклучно со 20.5.2013 година) преработка на: број на кредити износ (мил. ЕУР) % грозје 3 1,5 38 овошје и зеленчук 6 1,1 27 житни култури 3 0,8 19 индустриски култури 1 0,3 8 месо 1 0,3 8 вкупно 14 4,0 100
- 20. КонтактКонтакт Македонска банка за поддршка на развојот АД – Скопје ул. „Вељко Влаховиќ“ бр. 26; 1000 Скопје тел. 02/3115-844; лок. 204 и 209 е-пошта: info@mbdp.com.mk интернет страница: www.mbdp.com.mk
Editor's Notes
- Good morning to all. Thank you for being present here. Special gratitude to Prof. Kearns for dedicating his time to us. I will present my case study about the Agricultural Credit Discount Fund. This is the organization where I’m working, and it was established 3 years ago as a separate unit within the Ministry of Finance. ACDF Unit is part of the Agricultural Financial Service Project that will be completed in 2007. During the project life (2002 -2007) all ACDF investment and operational costs were covered with grant funds provided by the Swedish Government. However, the Macedonian Government is obliged to continue with the ACDF activities after the project and grant closure. This business plan has been prepared with a main purpose to clarify ACDF future role subsequent to project closure and the unit’s financial sustainability.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- The Agricultural Credit Discount Fund will be organized as a small and effective organization. There will be clearly defined operational procedures and rules, and the activities will be based on existing laws and administrative regulations governing the field of operation. Policy direction and overall management of the Fund will be provided by an ACDF Policy Committee and the ACDF Loan Discount Committee will direct the administration of the ACDF’s operations. Implementation of the ACDF policies and the day-to-day management will be responsibility of the ACDF Unit. The professional staff of the Unit would consist of a Manager, an Accountant and two Credit Officers.
- The Agricultural Credit Discount Fund will be organized as a small and effective organization. There will be clearly defined operational procedures and rules, and the activities will be based on existing laws and administrative regulations governing the field of operation. Policy direction and overall management of the Fund will be provided by an ACDF Policy Committee and the ACDF Loan Discount Committee will direct the administration of the ACDF’s operations. Implementation of the ACDF policies and the day-to-day management will be responsibility of the ACDF Unit. The professional staff of the Unit would consist of a Manager, an Accountant and two Credit Officers.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- The provision of financial services to the rural and agricultural sector in Macedonia is rather limited. The banks’ perception of the high risks in agricultural lending combined with high delivery costs and the profits enjoyed in lending in other sectors, inhibited formal financial services’ penetration into the agricultural financial market. ACDF has several competitors which are providing credit lines available to the rural sector: - Macedonian Enterprise Development Foundation - Soros Foundation Macedonian Bank for Development Promotion Terms of loans vary substantially depending on the policies of the donor and the bank involved and is base for competition The threat of new competitors can be defined as moderate due to the entry barriers. However, there is possibility for entry on donor institutions through the existing financial sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- The planned ACDF program has few principal risks: The general characteristics of ACDF primary customers are: very poor, lack of adequate education, with limited access to the commercial financial markets and usually with no experience in dealing with the financial sector. PFIs will be reluctant to accept the perceived high risks of smallholding lending, in which they have little experience and to accept the perceived high transaction costs when dealing with smallholders Another risk is the degree to which PFIs will be willing to adjust their collateral requirements to securities that the typical target group borrowers can provide. ACDF will address the above mentioned risks by: providing attractive interest rates that will be charged by ACDF on the refinancing amount allowing PFIs to apply their own policies concerning on-lending, interest rates and collateral requirements. develop institutional and capacity building programs for the Participating Financial Institutions.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- The Agricultural Credit Discount Fund will be organized as a small and effective organization. There will be clearly defined operational procedures and rules, and the activities will be based on existing laws and administrative regulations governing the field of operation. Policy direction and overall management of the Fund will be provided by an ACDF Policy Committee and the ACDF Loan Discount Committee will direct the administration of the ACDF’s operations. Implementation of the ACDF policies and the day-to-day management will be responsibility of the ACDF Unit. The professional staff of the Unit would consist of a Manager, an Accountant and two Credit Officers.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- The provision of financial services to the rural and agricultural sector in Macedonia is rather limited. The banks’ perception of the high risks in agricultural lending combined with high delivery costs and the profits enjoyed in lending in other sectors, inhibited formal financial services’ penetration into the agricultural financial market. ACDF has several competitors which are providing credit lines available to the rural sector: - Macedonian Enterprise Development Foundation - Soros Foundation Macedonian Bank for Development Promotion Terms of loans vary substantially depending on the policies of the donor and the bank involved and is base for competition The threat of new competitors can be defined as moderate due to the entry barriers. However, there is possibility for entry on donor institutions through the existing financial sector.
- ACDF’s main responsibility is to create a framework for a sustainable agricultural financial sector within the Macedonian banking system. ACDF should connect the rural sector to the formal financial sector by acting as a facility for re-financing of loans extended to rural borrowers by Participating Financial Institutions, so that loans are commercially viable for the lender but remain affordable by the borrower. The core service of ACDF is refinancing of loans extended by PFIs to target beneficiaries - individual agricultural producers and SME’s. In parallel, ACDF will reduce the risk to agricultural sector financiers through institutional and capacity building programs. ACDF will be responsible for organizing training programs for PFI’s credit officers, which is expected to have positive impact on the overall credit activities in the agricultural sector.
- The planned ACDF program has few principal risks: The general characteristics of ACDF primary customers are: very poor, lack of adequate education, with limited access to the commercial financial markets and usually with no experience in dealing with the financial sector. PFIs will be reluctant to accept the perceived high risks of smallholding lending, in which they have little experience and to accept the perceived high transaction costs when dealing with smallholders Another risk is the degree to which PFIs will be willing to adjust their collateral requirements to securities that the typical target group borrowers can provide. ACDF will address the above mentioned risks by: providing attractive interest rates that will be charged by ACDF on the refinancing amount allowing PFIs to apply their own policies concerning on-lending, interest rates and collateral requirements. develop institutional and capacity building programs for the Participating Financial Institutions.
- The provision of financial services to the rural and agricultural sector in Macedonia is rather limited. The banks’ perception of the high risks in agricultural lending combined with high delivery costs and the profits enjoyed in lending in other sectors, inhibited formal financial services’ penetration into the agricultural financial market. ACDF has several competitors which are providing credit lines available to the rural sector: - Macedonian Enterprise Development Foundation - Soros Foundation Macedonian Bank for Development Promotion Terms of loans vary substantially depending on the policies of the donor and the bank involved and is base for competition The threat of new competitors can be defined as moderate due to the entry barriers. However, there is possibility for entry on donor institutions through the existing financial sector.