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A new tool will appear on the financial market of Moldova - a loan portfolio guarantee, which will facilitate the financing of small and medium-sized businesses.

A new tool will appear on the financial market of Moldova - a loan portfolio guarantee, which will facilitate the financing of small and medium-sized businesses.

According to the press service of the parliament, this is provided for by the relevant amendments to the Law on Small and Medium Enterprises, the introduction of which was approved by the commission on economy, budget and finance, recommending that this legislative initiative be considered at the plenary session of the parliament. According to the draft law, “a loan portfolio guarantee is an obligation under which an institution that manages loan guarantee funds assumes the credit risk associated with a portfolio of eligible loans provided in accordance with a cooperation agreement signed with a financial sector entity. The loan portfolio will be guaranteed by the Loan Guarantee Fund administered by the Organization for the Development of Small and Medium Enterprises (ODIMM). The fund will share credit risk by guaranteeing loans received by small and medium-sized enterprises from banks or non-bank credit institutions. In order to determine the need for additional capitalization of the Financial Loan Guarantee Fund, ODIMM, together with a group of international experts, developed financial forecasts in accordance with the priorities of the portfolio guarantee concept. Thus, it is planned to allocate a portfolio of financial guarantees in the amount of 1 billion lei, which can be capitalized by banks for up to 3 years. To ensure the allocation of an appropriate ceiling of financial guarantees, it is necessary to capitalize the Loan Guarantee Fund in the amount of 200 million lei. According to the authors of the project, a group of deputies of the PAS parliamentary faction, the implementation of such a guarantee mechanism provides a number of advantages compared to individual guarantees. These include easier and faster processing; reducing the guarantor's resources to manage a portfolio of guarantees of similar value compared to the traditional individual guarantee method; facilitating access to financial resources for the business environment and increasing the amount of investment generated in the economy. “This mechanism eliminates bureaucratic procedures and the potential risk of corruption. In the end, we want to facilitate the financing of small and medium-sized businesses,” said Dumitru Alaiba, chairman of the commission on economy, budget and finance. // 16.03.2022 — InfoMarket

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