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Este que deu errado com os programas de pequenas empresas?

Ao explorar este que deu errado usando os emprestadores comerciais e com o financiamento do pequenas empresas fabricantes, os empresários estarão mais bem preparados para refrear sérios problemas futuros com seu financiamento de capital de giro e financiamento imobiliário comercial. Esta não é uma questão hipotética para a maioria dos mutuários comerciais, em particular se eles precisarem por ajuda de modo a determinar as opções práticas de financiamento para pequenas empresas que estão apresentados para eles. Os donos de companhias devem manter-se preparados para que os bancos e banqueiros de que causaram o recente caos financeiro digam que nada deu errado com empréstimos comerciais e, mesmo qual tudo tenha voltado ao normal. Foi difícil imaginar como algo poderia manter-se mais distanciado da verdade. Se pequenos empresários e credores comerciais optarem por ignorar estes muitos enganos cometidos pelos credores empresariais, como observado em uma frase popular, podemos estar condenados a repetir esses erros.

Ao avaliar estes mais sérios erros do financiamento de negócios, a ganância em massa foi um ponto inescapável entre as instituições de empréstimo. Resultados nocivos foram, com surpresa, produzidos por uma tentativa por produzir retornos acima do normal e lucros rápidos. As únicas pessoas aparentemente surpreendidas nas perdas devastadoras são os próprios banqueiros. O maior credor por pequenas companhias dos Estados Unidos declarou falência posteriormente de 2 anos tentando conseguir de que alguém pague por seus erros. Já estamos vendo um nível recorde por falências bancárias e, na maioria das contas, muitos dos maiores bancos deveriam ter sido autorizados a fracassar, porém foram apoiados por financiamento artificial do governo. Ao fazer empréstimos ou adquirir títulos, enquanto os agora referidos enquanto ativos nocivos, houve inúmeros casos em que os bancos não conseguiram olhar para este fluxo do caixa. De modo a alguns programas de financiamento de pequenas empresas, foi utilizado 1 processo por subscrição do empréstimo comercial de desenvolvimento declarado, pelo qual as declarações fiscais de mutuários comerciais nem sequer foram solicitadas ou revistas. Lehman Brothers foi um dos mais agressivos credores comerciais usando essa abordagem, e eles entraram com pedido de falência no ano passado devido a isso, bem como outras práticas financeiras questionáveis.

Os banqueiros comerciais rotineiramente perdem do vista 1 princípio básico de investimento de de que as avaliações do ativos nem em algum momento aumentam e, de fato, podem reduzir quase de imediato. Imensos empréstimos comerciais foram finalizados, nos quais o mutuário comercial tinha pouco ou nenhum patrimônio em risco. Ao comprar estes futuros ativos nocivos, estes próprios bancos investiram somente três centavos por dólar. A suposição chocho era de que, se ocorresse qualquer flutuação descendente no valor, seria 1 token do três a 5 por cento. De modo a demonstrar enquanto estes banqueiros fugia errados, estes valores dos imóveis comerciais em inúmeras áreas já diminuíram nos últimos 2 anos em até mesmo 50%. O setor imobiliário comercial permanecequeda provando ser o próximo ativo tóxico em seus balanços patrimoniais para estes muitos bancos que fizeram as hipotecas comerciais originais em tais atributos comerciais. Ainda que tenha havido enormes resgates do governo a bancos qual tem ativos tóxicos utilizando base em hipotecas residenciais, não é especialmente provável que estes bancos recebam assistência financeira para dar perdas utilizando empréstimos imobiliários comerciais. Nos próximos três anos, é especialmente de momento previsto qual essas crescentes perdas de hipotecas comerciais apresentem sérios problemas de modo a a sobrevivência contínua do imensos credores empresariais. Ainda que de preocupações e críticas constantes sobre a exercício atual por empréstimos comerciais reduzidos, muitos credores comerciais pararam efetivamente qualquer financiamento significativo de modo a pequenas empresas. Dependendo de observado pelo parágrafo a atravessar, este de que estes bancos referem que estão realizando não é necessariamente este exatamente de que as suas práticas reais de abono.

Um erro atual e em andar foi representado por declarações enganosas e imprecisas por credores comerciais sobre as suas atividades de empréstimo, que pertencem empréstimos para pequenas empresas a proprietários do empresas fabricantes. Embora imensos dataroom virtual bancos tenham informado qual estão continuando usualmente usando programas do financiamento para pequenas empresas fabricantes, por quase todos os padrões, os consequências positivas reais indicam algo demasiado natural. Do ponto por aspecto das relações públicas, estacionaestaficafixa jazepararpermanecequeda significativo de que os bancos preferem não expor-se publicamente qual não estão emprestando normalmente. Como resultado dessa questão em particular, estes pequenos empresários precisarão ser cautelosos e céticos em suas tentativas por garantir o financiamento de empresas fabricantes. Há soluções práticas e realistas do financiamento de modo a pequenas empresas apresentados de modo an os proprietários por negócios, a despeito de de práticas comerciais inapropriadas descritas supra. Devido à impressão persistente de determinados que não há estorvos comerciais significativas no momento, a ênfase intencional aqui possui sido 1 foco nos problemas, e não nas soluções. Apesar de opiniões contrárias por banqueiros e políticos, coletivamente a maioria destes observadores concordaria que estes múltiplos erros cometidos pelos bancos e outros credores comerciais eram sérios e provavelmente teriam efeitos duradouros para estes tomadores do empréstimos comerciais.

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