Napoli, 4 dicembre 2013 Unione degli Industriali

Quali approcci e quali strumenti, tradizionali e diingegneria finanziaria, a sostegno del tessuto produttivo

con i fondi strutturali 2007/2013 e 2014/2020.

Gennaro Luigi Ramazio, Capo DipartimentoProgrammazione e Sviluppo Economico Regione Campania

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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

Anni 2010 2011 2012

Export 8.938 9.426 9.374

Import* 11.686 12.701 10.435

PIL 94.112 86.583 84.159

Regione Importo totale del credito

% sul totale nazionale

Importo garantito

Campania 802,059 9,8% 518,213

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Una disgressione: Megatrend al 2040

(*)Fonte: Trading Economics

Popolazione 2012 (*) 2040

Regno Unito 63.26 ?

Francia 65.28 ?

Germania 81.84 ?

Italia 59.39 ?

Spagna 46.20 ?

Popolazione (Mln)

72

100

100

49

523

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 leverage delle risorse pubbliche con quelle private

Rotativita’ Consentirà di disporre a fine programmazione di un plafond di fondi nuovamente reimpiegabili sul territorio

STRUMENTI DI INGEGNERIA FINANZIARIA Elementi caratterizzanti:

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Gli indirizzi della UE in materia di competitività delle imprese

IL PROGRAMMA CIP 2007-2013

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CIP objectives

1.Foster the competitiveness of enterprise, in particular of SMEs2.Promate all forms of innovation, including eco-innovation3.Accelerate the development of a sustainable, competitive, innovative and inclusive information society4.Promote energy efficiency and new renewable energy sources in all sectors, including transport

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Time frame and budget

•Time frame: 2007-2013•Budget envelope: € 3.621 million•Annual work programmes for each of the three specific programmes: 1. Entrepreneurship and Innovation Programme 2. ICT Policy Support Programme 3. Intelligent Energy Europe

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Some major CIP themes and their budgets

Facilitate access to finance for SMEs

€ 1129 million

Support services for enterprise (especially SMEs)

€ 338 million

Promotion of innovation and particularly eco-innovation

€ 585 million

ICT interoperability and up-take

€ 728 million

Energy issues (e.g. efficiency, renewable)

€ 727 million

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Intervention mechanisms

1.Community financial instruments for SMEs2.Business and innovation support services3.Pilot and Market replication projects4.Policy development at Community level as well as at national, regional and local level

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1. Community Financial Instruments for SMEs

Provides funds Co-Guarantees Invests

Invests

Lends

EU budget

EUROPEAN INVESTMENT FUND

Guarantee Society

Venture capital Fund

Banks

SMEs

SMEs10

2. Business and innovation support services

•600 partner organitations in more than 40 countries•Proximity, full geographical coverage, extension beyond EU•Free-of-charge services:oInformation

• on EU legislation and policies• on EU funding opportunities

oAssistence• To find a business partner for cooperation or technology transfer• To achieve internationaization• To foster innovation

o Feedback to the Commission (listening to SMEs)

Enterprise Europe

NetworkBusiness

Support at Your Doorstep

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3. Pilot and market replication projects

Eco-innovationICT-PSp programme

GRANTSTo partially cover the eligible project costs

Projects:First applications or market replications of techniques, products or practices which have been

technically demonstrated with success, but owing to residual risk, have not yet significantly penetrated the market and support to interoperability (for ICT based services)

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4. Policy developoment•Networking and cluster schemes•Mutual learning for excellence •Benchmarking•Best practice exchange•Meetings of experts•Data collection and surveys•Analysis and monitoring performance

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Cosa ci riserva il 2014-2020?

Il Programma COSME

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COSMEWhat is 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 will support SMEs in the following area.

Better access to finance for Small and

Medium-sized Enterprises (SMEs)

Access to markets

Supporting entrepreneurs

More favourable conditions for business creation and growth

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Better access to finance for Small and Medium-sized Enterprises (Smes)

COSME will facilitate and improve access to finance for SMEs through two different financial instruments, available from 2014:1.The Loan Guarantee FacilityThe COSME budget will fund guarantees and counter-guarantees for financial intermediaries (e.g. guarantee organisations, banks, leasing companies) to help them provide more loan lease finance to SMEs. This facility will also include securitisation of SME debt finance portfolios.By sharing the risk, the COSME guarantees will allow the financial intermediaries to expand the range of SMEs they can finance. This will facilitate access to debt finance for many SMEs who might otherwise not be able to raise the funding they need. From 2007 to date, more than 240 000 SMESs have already benefited from a guaranteed loan or lease thanks to the CIPE, the current programme supporting business competitiveness.2. The Equity Facility for GrowthThe COSME budget will also be invested in funds that provide venture capital and mezzanine finance to expansion and growth-stage SMEs in particular those operating across borders.The fund managers will operate on a commercial basis, to ensure that investments are focused on SMEs with greatest growth potential.From 2007 to date, the CIPE has mobilised more than 2.3 billion euros in equity investments.If you are an SME or an entrepreneur looking for debt or equity finance and would like to see which financial intermediaries currently work with the CIPE, as well as the other EU financial instruments, visit http://access2eufinance.ec.europa.eu

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Access to marketsAll businesses have access to the services of the Enterprise Network and can freely approach the local partner in their region. Over 600 partner organisations in 54 countries have built a capacity to reach out to more than 2 million SMEs.Your nearest partner can be found on the Network’s website.The services offered 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;Obtaining SME’s opinion on EU legislation.If you want to go abroad with your company, this portal gathers all services provided by national authorities you might need.COSME will also fund IPR SME helpdesks for China, ASEAN and Mercosur to help SMEs to deal with issues relating to intellectual property rights (IPRs) in these countries. This includes the registration of formal IPRs, such as patents, trademarks or utility models, but also how to deal with infringements of intellectual property rights or manage intellectual as business assets.Thanks to CIP, the China IPR SME Helpdesks is fully operational. Its free services include confidential first-line advice, awareness raising, training and the provision of materials on relevant topics. Since 2011, the helpdesks has answered more than 400 direct enquires from SMEs that would like to operate in that country and supported thousands of SMEs through events and online services. The multilingual online portal of the China IPR SME Helpdesk can be accessed there : www.china-iprhelpdesk.eu

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Supporting entrepreneursEntrepreneurs and their new business are key to European growth and competitiveness. Promotion of entrepreneurship and antrepreneurial culture is therefore one of the four main objectives of COSME.The Entrepreneurship 2020 Action Plan is a decisive call for joint action at European, national, regional, and local level. Initiatives under the Action Plan include three main improvements:Entrepreneurship education – COSME will support exchanges among European educators and trainers support best practice in entrepreneurship education in the EU.Improving the business environment so entrepreneurs can grow and flourish-together with improving the legal and fiscal environment, experts will also develop recommendations on the best support for businesses throughout their lifecycles. Specific support for Web entrepreneurs will be provided.Role models and outreach to specific gropus- under COSME groups such as young people, women or senior entrepreneurs will be able to benefit from mentoring or other tailored programmes.Examples of actions already supported by the European Commission include :The European Network of Mentors for Women Entrepreneurs provides advice and support to women entrepreneurs in the start-up, running and growth of businesses during their early years (2° to 4° year of in business).Erasmus for Young Entrepreneurs helps new entrepreneurs (not necessarily young in years, but in the age of their business) by offering an opportunity to learn from a more experienced host entrepreneur in another country. The host in return benefits from a fresh perspective on his/her business.

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More favorable conditions for business creation and growth

On this page:Reduction of administrative and regulatory burdenIdentification and exchange of best practices among administrations to improve SMEs policy Analytical tools for better policySectorial actions such as tourismReduction of administr19ative and regulatory burdenAction programme for Reducing Administrative Burdens in the EUCOSME 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 policyBest practices in SMEs policyInitiatives 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 policyTo 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.

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CONCLUSIONI

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CAMPANIA: Un esempio concreto

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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 valere sul 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).

STRUMENTI DI INGEGNERIA FINANZIARIA CON FONDI FSE

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IL MICROCREDITO FSE

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MICROCREDITO FSE

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MICROCREDITO FSECOSA FINANZIA

-spese di investimento per l’avvio di nuove iniziative imprenditoriali -spese afferenti l’ampliamento/espansione di iniziative

esistenti localizzate nel territorio regionale.

SETTORI PRIORITATIServizi al turismo, servizi culturali, tutela ambientale, risparmio energetico ed energie rinnovabiliServizi 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 ACCESSOLa domanda va presentata in formato elettronico, sul sito www.sviluppocampania.it.

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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.it sezione MICROCREDITO FSE.

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