Σύμφωνα με ρεπορτάζ της Agrenda που κυκλοφόρησε το Σαββατο 31 Αυγούστου, προκειµένου να µειωθεί το ρίσκο, τα ιδρύµατα µικροχρηµατοδοτήσεων οφείλουν να παρέχουν συµβουλευτικές υπηρεσίες επιχειρηµατικής εκπαίδευσης και καθοδήγησης στους δικαιούχους τους.
Αυτή τη στιγµή ήδη δύο συστηµικές (Εθνική και Eurobank) και ορισµένες συνεταιριστικές τράπεζες χορηγούν µικροχρηµατοδοτήσεις, χωρίς τη λήψη εµπράγµατων εξασφαλίσεων. Οι συγκεκριµένες χορηγήσεις είναι καλυµµένες µε την εγγύηση του Ευρωπαϊκού Ταµείου Επενδύσεων (ΕΤαΕ), µέσω του προγράµµατος εγγυήσεων της Ευρωπαϊκής Ένωσης για την Απασχόληση και την Κοινωνική Καινοτοµία (EaSI), οπότε δεν υπάρχει κίνδυνος για την κεφαλαιακή τους επάρκεια. Ωστόσο, επίσηµα δεν υπάρχει κάποιος άλλος φορέας εκτός από τράπεζες σήµερα που θα µπορούσαν να απευθυνθούν οι ενδιαφερόµενοι.
Την αναµόρφωση του νόµου για τις µικροπιστώσεις έως 25.000 ευρώ εξετάζουν από κοινού τα υπουργεία Οικονοµικών, Ανάπτυξης και Επενδύσεων, ώστε να ενεργοποιηθεί το καθεστώς και να λειτουργήσουν οι ανεξάρτητοι φορείς µικροχρηµατοδοτήσεων. Υπενθυµίζεται ότι η θεσµοθέτηση των µικροπιστώσεων θα έπρεπε να είχε γίνει από το πρώτο τρίµηνο του 2019, ωστόσο το σχέδιο νόµου του υπουργείου Οικονοµικών δέχτηκε «κόκκινη» κάρτα από την ΕΚΤ, καθώς στις διατάξεις του περιείχε και τις τράπεζες, ενώ παράλληλα ως εποπτικός φορέας οριζόταν η Τράπεζα της Ελλάδος.
Σηµειώνεται εδώ ότι για τους αγρότες υπήρξε η πρόβλεψη να αναλάβει τη χρηµατοδότηση του µισού τους δανείου το Πρόγραµµα Αγροτικής Ανάπτυξης, ωστόσο το γεγονός ότι ο νόµος δεν είναι ακόµα έτοιµος, δεν επέτρεψε τη µέχρι τώρα εφαρµογή του εργαλείου αυτού.
Όσον αφορά τώρα το Ταµείο Εγγυήσεων Αγροτικής Ανάπτυξης που ιδρύθηκε τον Ιούνιο, ακόµα το Ευρωπαϊκό Ταµείο Επενδύσεων δεν έχει εκδόσει πρόσκληση προς τις ελληνικές τράπεζες για να συµµετέχουν σε αυτό. Από το Ταµείο αυτό σχεδιάζεται να εκδίδονται δάνεια µεγαλύτερα από 10.000 ευρώ, µε τα Προγράµµατα Αγροτικής Ανάπτυξης να καλύπτουν ένα σηµαντικό µέρος του κινδύνου ενός χαρτοφυλακίου δανείων.
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