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Napoli, 4 dicembre 2013 Unione degli Industriali

Quali approcci e quali strumenti, tradizionali e di ingegneria finanziaria, a sostegno del tessuto produttivo con i fondi strutturali 2007/2013 e 2014/2020. Napoli, 4 dicembre 2013 Unione degli Industriali.

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Napoli, 4 dicembre 2013 Unione degli Industriali

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  1. Quali approcci e quali strumenti, tradizionali e di ingegneria finanziaria, a sostegno del tessuto produttivo con i fondi strutturali 2007/2013 e 2014/2020. Napoli, 4 dicembre 2013 Unione degli Industriali Gennaro Luigi Ramazio, Capo DipartimentoProgrammazione e Sviluppo Economico Regione Campania

  2. Dati Regione Campania: *Fonte: Osservatorio Economico su dati ISTAT (Dati 2012 provvisori) -ESISTE una domanda estera per i beni Campani -ESISTONO imprese in grado di vendere all’estero -ESISTONO imprese in grado di avere accesso al credito Fondo di Garanzia Nazionale :operazioni garantite in Campania nel 2012

  3. Una disgressione: Megatrend al 2040 (*)Fonte: Trading Economics

  4. STRUMENTI DI INGEGNERIA FINANZIARIA Elementi caratterizzanti: Coerenza strategica • Recepisce l’input della normativa comunitaria sul maggiore utilizzo degli strumenti finanziari innovativi • Risponde agli obiettivi della politica di coesione e alle priorità del QSN contribuendo all’inclusione sociale, all’accupabilità e alla competitività del sistema produttivo Partenariato e Sussidiarietà • Contribuisce a rafforzare il partenariato con le parti economiche e con gli intermediari finanziari che attuano e cofinanziano le operazioni • Contribuisce al rafforzamento del principio di sussidiarietà attraverso il coinvolgimento corresponsabile di attori e risorse private Addizionalità • Massimizza l’effetto indotto a parità di unità di risorsa pubblica impiegata, attraverso il leveragedelle risorse pubbliche con quelle private Rotativita’ • Consentirà di disporre a fine programmazione di un plafond di fondi nuovamente reimpiegabili sul territorio

  5. Gli indirizzi della UE in materia di competitività delle imprese IL PROGRAMMA CIP 2007-2013

  6. CIP objectives • Foster the competitiveness of enterprise, in particular of SMEs • Promateallforms of innovation, including eco-innovation • Accelerate the developmentof a sustainable, competitive, innovative and inclusive information society • Promoteenergyefficiency and new renewableenergysources in allsectors, includingtransport

  7. Time frame and budget • Time frame: 2007-2013 • Budget envelope: € 3.621 million • Annual work programmesfor each of the threespecificprogrammes: 1. Entrepreneurship and InnovationProgramme 2. ICT Policy SupportProgramme 3. Intelligent Energy Europe

  8. Some major CIP themes and theirbudgets

  9. Interventionmechanisms • Community financialinstruments for SMEs • Business and innovationsupportservices • Pilot and Market replicationprojects • Policy developmentat Community levelaswellasatnational, regional and locallevel

  10. Community Financial Instruments for SMEs Provides funds Co-GuaranteesInvests Invests Lends EU budget EUROPEAN INVESTMENT FUND Guarantee Society Venture capital Fund Banks SMEs SMEs

  11. 2. Business and innovationsupportservices • 600 partner organitations in more than 40 countries • Proximity, full geographicalcoverage, extensionbeyond EU • Free-of-chargeservices: • Information • on EU legislation and policies • on EU fundingopportunities • Assistence • To find a business partner for cooperation or technology transfer • To achieveinternationaization • To fosterinnovation • Feedback to the Commission(listening to SMEs) Enterprise Europe Network Business Supportat Your Doorstep

  12. 3. Pilot and market replicationprojects Eco-innovation ICT-PSpprogramme GRANTS To partially cover the eligibleprojectcosts Projects: First applications or market replications of techniques, products or practiceswhichhavebeentechnicallydemonstrated with success, butowing to residualrisk, havenotyetsignificantlypenetrated the market and support to interoperability (for ICT basedservices)

  13. 4. Policy developoment • Networking and cluster schemes • Mutuallearning for excellence • Benchmarking • Best practiceexchange • Meetings of experts • Data collection and surveys • Analysis and monitoring performance

  14. Cosa ci riserva il 2014-2020? Il Programma COSME

  15. COSME Whatis COSME? COSME is the EU programm for the Competitiveness of Enterprise and Small and Medium-sized Enterprises (SMEs) running from 2014 at 2020 with a planned budget of € 2.3bn. COSME willsupportSMEs in the following area. Betteraccess to finance for Small and Medium-sized Enterprises (SMEs) Access to markets Supportingentrepreneurs More favourableconditions for business creation and growth

  16. Betteraccess to finance for Small and Medium-sized Enterprises (Smes) COSME will facilitate and improveaccess to finance for SMEsthroughtwodifferentfinancialinstruments, available from 2014: • The LoanGuaranteeFacility The COSME budget will fund guaranteesand counter-guaranteesfor financialintermediaries(e.g. guaranteeorganisations, banks, leasing companies) to help themprovide more loanleasefinance to SMEs. Thisfacilitywillalso include securitisation of SME debtfinanceportfolios. By sharing the risk, the COSME guaranteeswillallow the financialintermediaries to expand the range of SMEsthey can finance. Thiswill facilitate access to debtfinance for manySMEswhomightotherwisenot be able to raise the fundingtheyneed. From 2007 to date, more than 240 000 SMESshavealreadybenefited from a guaranteedloan or leasethanks to the CIPE, the currentprogrammesupporting business competitiveness. 2. The EquityFacility for Growth The COSME budget willalso be invested in funds thatprovide venture capital and mezzaninefinance to expansion and growth-stage SMEs in particularthoseoperatingacrossborders. The fund managerswill operate on a commercial basis, to ensurethatinvestments are focused on SMEs with greatestgrowthpotential. From 2007 to date, the CIPE hasmobilised more than 2.3 billioneuros in equityinvestments. Ifyou are an SME or an entrepreneurlooking for debt or equityfinance and wouldlike to seewhichfinancialintermediariescurrently work with the CIPE, aswellas the other EU financialinstruments, visit http://access2eufinance.ec.europa.eu

  17. Access to markets All businesses haveaccess to the services of the Enterprise Network and can freelyapproach the local partner in theirregion. Over 600 partner organisations in 54 countrieshavebuilt a capacity to reach out to more than 2 millionSMEs. Your nearest partner can be found on the Network’s website. The servicesoffered include: • Information on EU legislation and participation in EU programmes (Horizon 2020, regional funds); • Assistance to find a business partner abroad : in the EU or worldwide; • Advice on EU access to finance; • Support for innovation and technology transfer; • ObtainingSME’s opinion on EU legislation. Ifyouwant to go abroad with your company, thisportalgathersallservicesprovided by nationalauthoritiesyoumightneed. COSME willalso fund IPR SME helpdesks for China, ASEAN and Mercosur to help SMEs to deal with issuesrelating to intellectualpropertyrights (IPRs) in thesecountries. Thisincludes the registration of formalIPRs, suchaspatents, trademarks or utility models, butalsohow to deal with infringements of intellectualpropertyrights or manageintellectualas business assets. Thanks to CIP, the China IPR SME Helpdesksisfullyoperational. Its free services include confidential first-line advice, awarenessraising, training and the provision of materials on relevanttopics. Since 2011, the helpdeskshasanswered more than 400 directenquires from SMEsthatwouldlike to operate in that country and supportedthousands of SMEsthroughevents and online services. The multilingual online portal of the China IPR SME Helpdesk can be accessedthere : www.china-iprhelpdesk.eu

  18. Supportingentrepreneurs Entrepreneurs and their new business are key to Europeangrowth and competitiveness. Promotion of entrepreneurship and antrepreneurial culture isthereforeone of the fourmainobjectives of COSME. The Entrepreneurship 2020 Action Plan is a decisive call for joint actionatEuropean, national, regional, and locallevel. Initiatives under the Action Plan include threemainimprovements: • Entrepreneurshipeducation– COSME willsupportexchangesamongEuropeaneducators and trainers support best practice in entrepreneurshipeducation in the EU. • Improving the business environment so entrepreneurs can grow and flourish-together with improving the legal and fiscal environment, expertswillalsodeveloprecommendations on the best support for businesses throughouttheirlifecycles. Specificsupport for Web entrepreneurswillbe provided. • Rolemodels and outreach to specificgropus- under COSME groupssuchasyoungpeople, women or senior entrepreneurswill be able to benefit from mentoring or othertailoredprogrammes. Examples of actionsalreadysupported by the EuropeanCommission include : • The European Network of Mentors for WomenEntrepreneursprovidesadvice and support to womenentrepreneurs in the start-up, running and growth of businesses duringtheirearlyyears (2° to 4° year of in business). • Erasmus for Young Entrepreneurshelps new entrepreneurs (notnecessarilyyoung in years, but in the age of their business) by offering an opportunity to learn from a more experiencedhostentrepreneur in another country. The host in return benefits from a freshperspective on his/her business.

  19. More favorable conditions for business creation and growth On this page: • Reduction of administrative and regulatory burden • Identification and exchange of best practices among administrations to improve SMEs policy • Analytical tools for better policy • Sectorial actions such as tourism Reduction of administr19ative and regulatory burden Action programme for Reducing Administrative Burdens in the EU COSME aims at lightening the administrative burden on businesses by removing unnecessary reporting and information requirements. As research indicates , SMEs are disproportionately affected by regulation. A special focus is thus needed to create more favorable conditions for them. Idetintification and exchange of best practices among national administrations to improve SMEs policy Best practices in SMEs policy Initiatives at nationa, regional and local level will be launched. One of these is the European Enterprise Awards to reward promotion of SMEs and entrepreneurship, particularly on regional and local nevel. Analytical tools for better policy To facilitate the preparation of new legislation at EU and national level, and compare performance of different policies in member states, conferences and analytical tools, such as Competitiveness report, will be supported.

  20. CONCLUSIONI

  21. CAMPANIA: Un esempio concreto

  22. STRUMENTI DI INGEGNERIA FINANZIARIA CON FONDI FSE Le banche italiane, in base agli accordi siglati nell'ambito dell'Unione Europea, hanno adottato criteri sempre più stringenti per concedere credito. Il razionamento del credito sta facendo crescere rapidamente il numero di soggetti non bancabili. Per contrastare la cosiddetta esclusione finanziaria, la Regione Campania ha istituito un Fondo Rotativo a valeresul Programma Operativo Regionale Campania FSE 2007-2013. Si tratta di Fondo volto a finanziare progetti imprenditoriali coerentemente con quanto previsto dagli artt. 43-46 (strumenti di ingegneria finanziaria) del regolamento CE n. 1828/2006. Agisce attraverso meccanismi finanziari e rotativi cumulabile entro il limite “de minimis”, con altri strumenti di supporto finanziario (ad esempio: Titolo II D.lgs. 185/2000 e JEREMIE).

  23. IL MICROCREDITO FSE • La Regione Campania ha istituito il Fondo MICROCREDITO FSE con DGR n. 733 del 19 dicembre 2011 prevedendo una dotazione finanziaria complessiva di 100 Meuro di cui 30 Meuro impegnati per l’erogazione con il primo Avviso. • La gestione del Fondo MICROCREDITO FSE è stata affidata a Sviluppo Campania S.p.A., società in house. Il Fondo MICROCREDITO FSE, attinge a risorse a valere sugli assi I, II e III del Programma Operativo RegionaleFondo Sociale Europeo 2007-2013 con efficacia dello stesso fino al 31/12/2015.

  24. MICROCREDITO FSE • L’obiettivo è di favorire processi di crescita e sviluppo per il lavoro autonomo e la microimpresa, coinvolgendo quei soggetti in condizione di svantaggio economico, sociale ed occupazionale altrimenti esclusi dal sistema creditizio. • Il Fondo funziona attraverso l'erogazione di micro prestiti, da un minimo di 5.000 ad un massimo di 25.000 euro, da restituire in 60 mesi a tasso zero a partire dal settimo mese successivo alla sottoscrizione del finanziamento.

  25. MICROCREDITO FSE • COSA FINANZIA • -spese di investimento per l’avvio di nuove iniziative imprenditoriali -spese afferenti l’ampliamento/espansione di iniziative esistenti localizzate nel territorio regionale. • SETTORI PRIORITATI • Servizi al turismo, servizi culturali, tutela ambientale, risparmio energetico ed energie rinnovabili • Servizi sociali alla persona, ICT, attività professionali in genere, manifatturiero, artigianato • e valorizzazione dei prodotti tipici locali, commercio di prossimità. • RREQUISITI PER ACCEDERE • -microimprese, costituende e costituite (composte da disoccupati, inoccupati, • Inattivi, lavoratori in CIGO, CIGS e mobilità, giovani under 35, donne, • Immigrati, disabili, studenti, lavoratori svantaggiati; • -imprese del Terzo settore costituende o costituite (associazioni riconosciute e • Cooperative sociali). • MODALITÀ DI ACCESSO • La domanda va presentata in formato elettronico, sul sito www.sviluppocampania.it.

  26. MICROCREDITO FSE Con il primo Avviso 2012, sono pervenute 5.283 domande, di cui 440 in provincia di Avellino, 377 in provincia di Benevento, 767 in provincia di Caserta, 2.087 in provincia di Napoli, 1.612 in provincia di Salerno, dimostrano che sul territorio campano c’è una grande capacità di progettualità e di microimprenditorialità. Sono state ammesse a finanziamento n 1.087 iniziative e impegnate risorse per circa 27 Meuro. Dalle domande ammesse n.468 sono imprese esistenti e n.619 start up con una pressoché uguale distribuzione di genere. Tra i settori sono preferiti l’artigianato e valorizzazione dei prodotti tipici, il commercio e i servizi al turismo. Il secondo Avviso prevede uno plafond di 70 Meuro. Le domande possono essere presentata dal 16 dicembre 2013 al 16 gennaio 2014. Per datagli consultare il sito www.sviluppocampania.itsezione MICROCREDITO FSE.

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