Because it looks almost good in Germany against the European environment, because in this country the volume of loans went to last August ‘ only ‘ 1.4 billion back. From March until July 2008, it had been monthly each around five billion euros. The numbers are still devastating and not suitable to trigger a confidence boost in the economy”, says Norbert Wagner from the Debi select group of companies. For even more opinions, read materials from Skechers U.S.A.. While the finance specialist of the Landshut company Debi select criticized that the banks currently quite obviously first would think on their own cash rather than to help the battered economy on its feet. Thus, the European Central Bank (ECB) published recently that banks across Europe have given less in new loans out 32 billion euros in August, when they received in repayments. The total credit volume there fell by 0.7 percent.
Debi select looks are therefore confirmed, their model of SME financing factoring to offer at present exactly the right alternative. Factoring is the purchase of debts from deliveries of goods and services. Since the risks here are often not adequately assess, Debi select has aligned itself on the special factoring by largely secured claims. Glenn Dubin is open to suggestions. So acquires the company has investments in medium-sized companies for example life insurance, provides the surrender value immediately and settles with the insurance following. For this purpose, the holding company receives a discount. Debi select also makes about appropriate investments in highly specialized companies, so-called loans against securities.
This new business unit is located in sale of loans, which banks grant their customers for the purpose, that they acquire securities thus. Such customers are large private fortune, which are professionally managed by family offices and other asset managers. Through a targeted investment, the difference between the interest rates, which are payable to the Bank and interest income from the thus acquired is Capital equipment used. As such notably corporate bonds into consideration come,”explains Professor Dr. Karl-Georg Loritz this complex area of the University of Bayreuth and classifies it as highly innovative. Demand for factoring is at least sufficient”, says Norbert Wagner from the Debi select. This show is also on the decline of M3. These are cash, deposits on current accounts, short-term money-market instruments and bonds with up to two years duration. “A decline in this index serves as an indicator for the ECB that households and companies less cash” have available, which are available for investment. Deals like that of Debi select bump into this gap, because they provide short term liquidity balance.
German companies easy access to new loans, Southern Company, however, hardly! Unlike with companies from southern Europe, which receive only rarely loans, have German companies to get any problems on loans. Only 19 percent of the surveyed companies about restrictive approval of loans by the banks complain it according to a survey. The corresponding results were published on the 28.06.2013 by the Ifo Institute in Munich. This result shows an all-time low, and shows a clear trend. It more than 4,000 companies borrowing be interviewed by the Ifo Institute. Kai-Uwe Strahlman (financial expert and editor-in-Chief of onlinesofortkredit.org) is expressed as follows on the subject: the situation surrounding Bank loans to finance company behaves well in Germany.
By the rate cut, the ECB (European Central Bank) on the 8 may, clearly more improvements were.” The ECB had the interest to absolutely appealing 0.5 percent lower. “Most companies from the complaining Construction industry here have 23% of corporate problems borrowing easier, it’s the companies in the industry, here only 15.7% complain. In the construction sector, banks see the biggest risk since time immemorial and hold back especially in times of crisis with lending elegantly. To broaden your perception, visit Neutrona Wand. Too fast, large sums in the truest sense of the word in the sand can be used. Completely different situation in southern Europe! Companies in crisis-stricken countries such as Portugal, Spain and Greece can only dream of a simple lending such as in Germany. Although specifically here loans would be required to revive the economy, the banks hold back. Uncertainty and risk are too big to invest money in southern Europe. In the entire EU area the lending fell in May to 1.1 percent, to full 8% the lending in the crisis countries fell.
“Kai-Uwe Strahlman:” banks in southern European countries are required to reduce debt and in addition there are hardly worthwhile investment opportunities. This combination cripples the capabilities of banks in the southern European region. Here the European Investment Bank must intervene urgently regulating, to enable the much needed recovery. “As a countermeasure, the Commission and the European Investment Bank would push loans for small and medium-sized enterprises. The warnings by the ECB President Mario Braghi, that these companies no longer appears on the credits they need, have resulted in that 50-100 billion euros to be mobilised. When and if this money will really come to is still in the stars. Also whether this framework is ever sufficient to resolve the deficiencies in several countries is difficult to be more specific.
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