{"id":43984,"date":"2017-11-26T16:17:56","date_gmt":"2017-11-26T14:17:56","guid":{"rendered":"https:\/\/newserver.fyb.de\/produkt\/innovative-forms-of-purchase-financing-and-inventory-financing\/"},"modified":"2017-11-26T16:17:56","modified_gmt":"2017-11-26T14:17:56","slug":"innovative-forms-of-purchase-financing-and-stock-financing","status":"publish","type":"product","link":"https:\/\/www.fyb.de\/en\/produkt\/innovative-forms-of-purchase-financing-and-stock-financing\/","title":{"rendered":"Innovative forms of purchase financing and inventory financing"},"content":{"rendered":"

Arno Schnei\u00adder<\/strong> \u2014 Mana\u00adging Direc\u00adtor WCF Fine\u00adtra\u00adding GmbH, Munich<\/p>\n

Folker Weise<\/strong> \u2014 Mana\u00adging Direc\u00adtor WCF Fine\u00adtra\u00adding GmbH, Munich<\/p>\n","protected":false},"excerpt":{"rendered":"

Banks have become more rest\u00adric\u00adtive with lending. This is a hurdle for medium-sized compa\u00adnies that want to grow. But there are opti\u00adons beyond the tradi\u00adtio\u00adnal and incre\u00adasingly diffi\u00adcult route via credit insti\u00adtu\u00adti\u00adons. Suppli\u00aders who tie up a lot of capi\u00adtal in inven\u00adtory with their custo\u00admers have a new option that expands working capi\u00adtal manage\u00adment: stock trading. This inno\u00adva\u00adtive form of inven\u00adtory and sales finan\u00adcing opti\u00admi\u00adzes working capi\u00adtal and the balance sheet.<\/strong><\/p>\n

As unex\u00adpec\u00adtedly as the economy may have reco\u00advered after the finan\u00adcial and econo\u00admic crisis, German SMEs are now facing a new problem: they often do not know how to gene\u00adrate liqui\u00addity during the upswing. In this context, it is important to quickly realize cycli\u00adcal effects, which could soon be over again. For entre\u00adpre\u00adneurs, there are usually only two alter\u00adna\u00adti\u00adves: either they put rese\u00adarch and deve\u00adlo\u00adp\u00adment, expan\u00adsion and acqui\u00adsi\u00adtion on hold, or they try to get banks on board in the clas\u00adsic way.<\/p>\n

Banks conti\u00adnue to be rest\u00adric\u00adtive in gran\u00adting loans and will in all likeli\u00adhood remain so. Under the heading of Basel III, the new regu\u00adla\u00adti\u00adons will have a direct impact on the finan\u00adcing opti\u00adons available to medium-sized compa\u00adnies. Lending condi\u00adti\u00adons will tigh\u00adten as colla\u00adte\u00adral and disclo\u00adsure requi\u00adre\u00adments increase and risk margins widen. The savings banks even see a third of their custo\u00admer loans at risk. If the plans of the Basel Commit\u00adtee on Banking Super\u00advi\u00adsion are imple\u00admen\u00adted, the credit supply of the savings banks alone will be redu\u00adced by more than 200 billion euros, accor\u00adding to a posi\u00adtion paper of the German Savings Banks and Giro Asso\u00adcia\u00adtion (DSGV). Accor\u00adding to the DSGV, small and medium-sized enter\u00adpri\u00adses would be parti\u00adcu\u00adlarly affected.<\/p>\n

It is true that, from the govern\u00admen\u00adt\u2019s point of view, the stric\u00adter rules for credit insti\u00adtu\u00adti\u00adons are consis\u00adtent. For the chro\u00adni\u00adcally equity-weak German SME sector \u2014 the average equity ratio is 11 to 15 percent \u2014 this course is risky.<\/p>\n","protected":false},"featured_media":41070,"comment_status":"open","ping_status":"closed","template":"","meta":{"wp_typography_post_enhancements_disabled":false},"product_brand":[],"product_cat":[2452,2506,2527,2531],"product_tag":[1868,1871,1874,1877,1880,1882,1884],"class_list":{"0":"post-43984","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-ebook-en","7":"product_cat-fyb-2011-en","8":"product_cat-arno-schneider-en","9":"product_cat-folker-weise-en","10":"product_tag-arno-schneider-en","11":"product_tag-folker-way","12":"product_tag-purchase-financing","13":"product_tag-stock-financing","14":"product_tag-inventory-and-sales-financing","15":"product_tag-stocktrading-en","16":"product_tag-working-capital-management-en","17":"pa_sprache-english-3","18":"pa_sprache-german","20":"first","21":"outofstock","22":"taxable","23":"shipping-taxable","24":"purchasable","25":"product-type-variable"},"yoast_head":"\nInnovative forms of purchase financing and inventory financing - FYB Financial Yearbook<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fyb.de\/en\/produkt\/innovative-forms-of-purchase-financing-and-stock-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Innovative forms of purchase financing and inventory financing - FYB Financial Yearbook\" \/>\n<meta property=\"og:description\" content=\"Banks have become more restrictive with lending. This is a hurdle for medium-sized companies that want to grow. But there are options beyond the traditional and increasingly difficult route via credit institutions. Suppliers who tie up a lot of capital in inventory with their customers have a new option that expands working capital management: stock trading. This innovative form of inventory and sales financing optimizes working capital and the balance sheet. As unexpectedly as the economy may have recovered after the financial and economic crisis, German SMEs are now facing a new problem: they often do not know how to generate liquidity during the upswing. In this context, it is important to quickly realize cyclical effects, which could soon be over again. For entrepreneurs, there are usually only two alternatives: either they put research and development, expansion and acquisition on hold, or they try to get banks on board in the classic way. Banks continue to be restrictive in granting loans and will in all likelihood remain so. Under the heading of Basel III, the new regulations will have a direct impact on the financing options available to medium-sized companies. Lending conditions will tighten as collateral and disclosure requirements increase and risk margins widen. The savings banks even see a third of their customer loans at risk. If the plans of the Basel Committee on Banking Supervision are implemented, the credit supply of the savings banks alone will be reduced by more than 200 billion euros, according to a position paper of the German Savings Banks and Giro Association (DSGV). According to the DSGV, small and medium-sized enterprises would be particularly affected. It is true that, from the government's point of view, the stricter rules for credit institutions are consistent. 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