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- 发布时间 2010-07-13
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Canada Small Business Financing Loan(1)
今天来解读下“ [FONT=宋体]政府小生意担保贷款[/FONT]”（CSBFL），先看下官方网站的说法。
Industry Canada
Canada Small Business Financing Program
About the Program
Small businesses are an important part of Canada’s economy, but they face unique challenges when they look for financing.
The Canada Small Business Financing Program helps you with your financing needs. Under the program, the Government of Canada makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.
The program’s main objectives are:
to help new businesses get started and established firms make improvements and expand
Who is eligible?
Small businesses operating for profit in Canada, with gross annual revenues of $5 million or less.
Not eligible under this program are farming businesses (Agriculture and Agri-Food Canada has a similar program for the farming industry for information, visit www.agr.gc.ca), not-for-profit organizations, or charitable and religious organizations.
How much financing is available?
Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.
How do I apply for a loan?
Financial institutions deliver the program. Industry Canada does not participate in making the decision to accept or refuse your loan application.
Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. The financial officer will review your business proposal and make a decision on your loan application. Once the decision is made to offer financing under the program, the financial institution will register the loan with Industry Canada. (List of lenders)
What can loans be used for under this program?
Loans can be used for financing up to 90% of the cost of:
The interest rate is determined by your financial institution. The interest rate may be variable or fixed:
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government.
What are the terms of the financing?
Lenders are required to take security in the assets financed. Lenders also have the option to take an additional unsecured personal guarantee, which cannot exceed 25% of the total amount loaned.
For more information, please contact your financial institution.
This program is administered by:
Small Business Financing Directorate
Industry Canada
Telephone: 1-866-959-1699 (toll-free)
Fax: 1-613-952-0290
Email: Canada Small Business Financing Program
Internet: www.ic.gc.ca/csbfp
今天来解读下“ [FONT=宋体]政府小生意担保贷款[/FONT]”（CSBFL），先看下官方网站的说法。
Industry Canada
Canada Small Business Financing Program
About the Program
Small businesses are an important part of Canada’s economy, but they face unique challenges when they look for financing.
The Canada Small Business Financing Program helps you with your financing needs. Under the program, the Government of Canada makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.
The program’s main objectives are:
to help new businesses get started and established firms make improvements and expand
- to improve access to loans that would not otherwise be available to small businesses
- to stimulate economic growth and create jobs for Canadians
Who is eligible?
Small businesses operating for profit in Canada, with gross annual revenues of $5 million or less.
Not eligible under this program are farming businesses (Agriculture and Agri-Food Canada has a similar program for the farming industry for information, visit www.agr.gc.ca), not-for-profit organizations, or charitable and religious organizations.
How much financing is available?
Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.
How do I apply for a loan?
Financial institutions deliver the program. Industry Canada does not participate in making the decision to accept or refuse your loan application.
Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. The financial officer will review your business proposal and make a decision on your loan application. Once the decision is made to offer financing under the program, the financial institution will register the loan with Industry Canada. (List of lenders)
What can loans be used for under this program?
Loans can be used for financing up to 90% of the cost of:
- purchasing or improving land, real property or immovables
- purchasing leasehold improvements or improving leased property
- purchasing or improving new or used equipment
- buildings and land
- commercial vehicles
- hotel or restaurant equipment
- computer or telecommunications equipment and software
- production equipment
- goodwill
- working capital
- inventories
- franchise fees
- research and development
The interest rate is determined by your financial institution. The interest rate may be variable or fixed:
- Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
- Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate plus 3%.
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government.
What are the terms of the financing?
Lenders are required to take security in the assets financed. Lenders also have the option to take an additional unsecured personal guarantee, which cannot exceed 25% of the total amount loaned.
For more information, please contact your financial institution.
This program is administered by:
Small Business Financing Directorate
Industry Canada
Telephone: 1-866-959-1699 (toll-free)
Fax: 1-613-952-0290
Email: Canada Small Business Financing Program
Internet: www.ic.gc.ca/csbfp
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回复: Canada Small Business Financing Loan(2)
再来看下银行方的说法。
Small Business：
Canada Small Business Financing Loan
Whether you're in business now, planning a start up, or buying a small business, it's easier than ever to get the loan you need to expand your operations or purchase or improve your fixed assets. You can also use your loan to finance a renewable energy project that supplements your business’ energy use. With a CSBFL, you, TD Canada Trust and the Federal
Government work together to finance your renewable project.
Federal Government Fees
Do You Qualify Under the CSBF Program.
Here is a list of some of the government's requirements② for a CSBF loan.
For more information about the qualifications or if you wish to apply for the CSBF, please visit your local TD Canada Trust Branch.
Protect what's important
Protect your business and everyone who has a stake in it. Consider Business Credit Life Insurance④ for yourself, your family, employees and anyone key to your business. Ask about this important coverage today.
① Subject to credit approval. Certain business documentation required. Other fees may apply.
② Additional government requirements exist.
③ "Related Borrowers" and "Eligible Costs" may limit how much a business may borrow. Definitions are found in the Canada Small Business Financing Act and Regulations.
④ Business Credit Life Insurance provides group life coverage, underwritten by Sun Life Assurance Company of Canada and accident coverage, underwritten by TD Life Insurance Company. Complete details of benefits, exclusions and limitations are found in the Certificate of Insurance.
再来看下银行方的说法。
Small Business：
Canada Small Business Financing Loan
Whether you're in business now, planning a start up, or buying a small business, it's easier than ever to get the loan you need to expand your operations or purchase or improve your fixed assets. You can also use your loan to finance a renewable energy project that supplements your business’ energy use. With a CSBFL, you, TD Canada Trust and the Federal
Government work together to finance your renewable project.
- Loan amounts available up to $500,000.①
- Financing available for up to 90%③ of the "Eligible Costs"③ of assets financed.
- Monthly payment frequency with a choice of terms, and up to 10 years amortization.
- Competitive fixed and floating interest rates available.
- Personal guarantee for up to 25% of the original loan amount, plus interest costs is required.
- Loan may only be used for certain purposes.
- One time Federal Government registration fee of 2% of the loan amount. This amount may be included in the amount borrowed.
Federal Government Fees
- a 2% CSBF Loan registration fee, payable when your loan is registered. This fee can be included as part of your loan.
- a 1.25% CSBF Loan annual administration fee-calculated and included as part of your loan interest.
Do You Qualify Under the CSBF Program.
Here is a list of some of the government's requirements② for a CSBF loan.
- Your business operates or is about to operate in Canada.
- Your business annual gross revenue is less than $5 million in the year you apply.
- Your business is for profit and is not a farm, charity or religious enterprise.
- The assets purchased or improved must be used in your business.
For more information about the qualifications or if you wish to apply for the CSBF, please visit your local TD Canada Trust Branch.
Protect what's important
Protect your business and everyone who has a stake in it. Consider Business Credit Life Insurance④ for yourself, your family, employees and anyone key to your business. Ask about this important coverage today.
① Subject to credit approval. Certain business documentation required. Other fees may apply.
② Additional government requirements exist.
③ "Related Borrowers" and "Eligible Costs" may limit how much a business may borrow. Definitions are found in the Canada Small Business Financing Act and Regulations.
④ Business Credit Life Insurance provides group life coverage, underwritten by Sun Life Assurance Company of Canada and accident coverage, underwritten by TD Life Insurance Company. Complete details of benefits, exclusions and limitations are found in the Certificate of Insurance.
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回复: Canada Small Business Financing Loan(3)
来自家园网的报道：
联邦政府的小生意援助计划
加拿大家园 CanadaMeet.com 2010-01-08 23:09 来源: 作者: forever
「巧妇难为无米之炊」。对于那些刚抵达加拿大但创业心切的新移民来说，往往会碰到缺乏资金的困难。为支持民众投资创业，联邦政府推出了小生意援助计划。
小生意援助计划是指小生意者在没有任何资产抵押的情况下，可向银行借货最高达五万元的金额。他主要有以下特点：当借货者到时还不了货款，政府将作为保证人承担还款义务；其次，借货的金额不得超过小生意投资额的百分之五十。
申请该项货款的程序包括：
第一，申请人提交由注册会计师出具的小生意计划报告书，载明要做小生意的可行性分析以及借货的资金用途。
第二，银行评估报告书，通常银行在接到小生意报告书后的四十八时内决定。如果评估结果满意，银行会通知借货者前往银行办理借货手续。
银行方面在评估小生意时，审核的重点落在货款的用途是否合理、是否真正要及借货者的还款能力等方面。他说，借货款项若是用在维修小生意设施及增添设备方面，一般货款申请容易被批准；相反，如果用途是在购买原料等方面，往往不容易得到货款。
来自家园网的报道：
联邦政府的小生意援助计划
加拿大家园 CanadaMeet.com 2010-01-08 23:09 来源: 作者: forever
「巧妇难为无米之炊」。对于那些刚抵达加拿大但创业心切的新移民来说，往往会碰到缺乏资金的困难。为支持民众投资创业，联邦政府推出了小生意援助计划。
小生意援助计划是指小生意者在没有任何资产抵押的情况下，可向银行借货最高达五万元的金额。他主要有以下特点：当借货者到时还不了货款，政府将作为保证人承担还款义务；其次，借货的金额不得超过小生意投资额的百分之五十。
申请该项货款的程序包括：
第一，申请人提交由注册会计师出具的小生意计划报告书，载明要做小生意的可行性分析以及借货的资金用途。
第二，银行评估报告书，通常银行在接到小生意报告书后的四十八时内决定。如果评估结果满意，银行会通知借货者前往银行办理借货手续。
银行方面在评估小生意时，审核的重点落在货款的用途是否合理、是否真正要及借货者的还款能力等方面。他说，借货款项若是用在维修小生意设施及增添设备方面，一般货款申请容易被批准；相反，如果用途是在购买原料等方面，往往不容易得到货款。
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Canada Small Business Financing Loan(4)
Canada Business
Getting a business start-up loan from your bank or credit union
March 8th, 2010
...................
You have a great business idea. All that is missing is the money to start the business. What do you do?
Short of landing a spot on CBC's Dragons' Den, you're most likely to try to get a business loan from your bank or credit union and to apply for some government program.
In this blog post, we'll take a look at how you can obtain financing from your bank or credit union to start your own business. We'll take a look at government financial assistance programs in a later blog post.
Credit is not as easy to obtain as it used to be. Lenders use stricter criteria to determine if you are eligible for a loan and they won't want to take any shortcuts with the process.
Here are some tips to help you prepare for your business loan application:
Canada Business
Getting a business start-up loan from your bank or credit union
March 8th, 2010
...................
You have a great business idea. All that is missing is the money to start the business. What do you do?
Short of landing a spot on CBC's Dragons' Den, you're most likely to try to get a business loan from your bank or credit union and to apply for some government program.
In this blog post, we'll take a look at how you can obtain financing from your bank or credit union to start your own business. We'll take a look at government financial assistance programs in a later blog post.
Credit is not as easy to obtain as it used to be. Lenders use stricter criteria to determine if you are eligible for a loan and they won't want to take any shortcuts with the process.
Here are some tips to help you prepare for your business loan application:
- Prepare a business plan
- Lenders want to see a strong business plan. You'll find information, templates and answers to frequently asked questions on our Developing your business plan page.
- Show that you're financially ready to start your own business
- You'll probably need to draw a small salary for the first few months or years of your new business. Lenders need to see that your personal financial situation is in good condition.
- Be ready to show documents confirming your personal income and investments.
- Put yourself in the lender's shoes
- Try to see the situation from the lender's perspective. The better you understand what the bank or credit union is looking for, the better your chances of obtaining financing.
- The Business Development Bank of Canada (BDC) has a guide called Demystify your banker for entrepreneurs seeking a loan from their bank. The guide contains:
- what your loan proposal should contain
- what your banker looks for
- common bank terms
- tips to increase your chances of success
- Another resource from the BDC is their article Obtaining financing in difficult times.
- Our Private Sector Financing section provides information about the various types of financing available from the private sector.
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Canada Small Business Financing Loan(5)
([FONT=宋体]一[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]-1
[FONT=宋体]小生意，又叫[/FONT]Small Business[FONT=宋体]，在加拿大是个不可忽视的工商领域。众所周之，加拿大不是制造业国家，仅有的一些制造行业和服务行业也是相当一部分源于美国背景。再加上税务方面的实惠，雇主的[/FONT]contract[FONT=宋体]要求等，在加拿大从事小生意的人是非常多的。[/FONT]
[FONT=宋体]对于小生意，有不同的定义。这里说的小生意，是年销售额[/FONT]([FONT=宋体]或收入[/FONT])500[FONT=宋体]万加币以内的各行业，例如，餐馆，商店，理发店，干洗店，工厂，诊所，教堂，学校等等，行业涉及非常广泛。[/FONT]
[FONT=宋体]开展小生意需要到政府部门注册，注册形式大致有三种：[/FONT]sole proprietorship, partnership, incorporation[FONT=宋体]。这三种存在着权力，义务，风险，税收，报告等区别，具体可以咨询会计师或律师。[/FONT]
[FONT=宋体]华人从事的小生意，集中在[/FONT]IT Contractor[FONT=宋体]，各类[/FONT]skill trader([FONT=宋体]如管道工，木匠，电工等[/FONT])[FONT=宋体]，餐馆，咖啡店，便利店，贸易公司，干洗店，旅游票务公司等。[/FONT]
[FONT=宋体]小生意的银行需求和个人银行需求很大不同，银行的产品设置也不同。[/FONT]
([FONT=宋体]二[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]--2
[FONT=宋体]小生意往往需要借款，形式有多样。有的小生意需要自己到大商厦采购原材料，这样的话，公司的信用卡所提供的[/FONT]21[FONT=宋体]天免息期是非常有用的。公司信用卡有各种，[/FONT] [FONT=宋体]大致分为借款型和消费型。后者利率特别高，接近或超过[/FONT]20%[FONT=宋体]。而前者往往利率很低，[/FONT]10%[FONT=宋体]以内，既能享受利率较低的优惠又有信用卡的便利。[/FONT]
[FONT=宋体]有的小生意是开支票付款，那么，信用额度[/FONT]line of credit[FONT=宋体]就能满足其所需。信用额度相当于在帐户里提供了一笔额外的资金可供使用。[/FONT]
[FONT=宋体]不管是什么生意，只要开了帐户，就应该有一个透支保护，这样可以在一定程度上避免支票被退回。[/FONT]
[FONT=宋体]有的人需要购买生意或者建立新的生意，通常需要资金装修、采购设备、办公家具等，可以申请政府项目的小生意借款，详情下次介绍。[/FONT]
([FONT=宋体]三[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]--3
[FONT=宋体]加拿大政府为了鼓励人们开展各种小生意，提供了一个特殊的项目，名为[/FONT]Canadian Small Business Financing Act[FONT=宋体]，或简称[/FONT]CSBFA[FONT=宋体]贷款项目。该项目有以下特点：[/FONT]
1.[FONT=宋体]特别适合各种新开展的小生意[/FONT]
[FONT=宋体]新的小生意没有历史财务记录。贷款决策往往参照现金流量预测等。所有小生意贷款中，只有[/FONT]CSBFA[FONT=宋体]或类似贷款要求提供现金流量预测，并将现金流量及项目计划作为贷款申请的重要文件。[/FONT]
2.[FONT=宋体]最多贷款金额为[/FONT]35[FONT=宋体]万加元[/FONT]
[FONT=宋体]需要借款人自行提供[/FONT]10%[FONT=宋体]自有资金，贷款资金只能涵盖[/FONT]90%[FONT=宋体]，且不包括[/FONT]GST[FONT=宋体]。[/FONT]
3.[FONT=宋体]贷款用途有限制[/FONT]
CSBFA[FONT=宋体]贷款，通俗来说，只能用于固定资产贷款，例如，装修，购买设备机器，购买家具，电脑等各种固定资产。有相当一部分用途是不能用[/FONT]CSBFA [FONT=宋体]贷款融资的，例如存货，应收账款，商誉等无形资产等。[/FONT]
4.[FONT=宋体]贷款利率和费用[/FONT]
[FONT=宋体]政府对于此类贷款有利率规定，浮动利率通常[/FONT]prime+3%[FONT=宋体]。此外，政府还收取一次性的担保费用，金额为贷款金额的[/FONT]2%[FONT=宋体]。[/FONT]
5.[FONT=宋体]特点[/FONT]
[FONT=宋体]政府[/FONT]CSBFA[FONT=宋体]贷款，又称政府担保项目的贷款，一般不要求借款人提供任何资产担保，而借款人也只需提供[/FONT]25%[FONT=宋体]的个人信用担保即可，对初创业的老板来说，贷款风险相当小。
[/FONT] [FONT=宋体]但事实上，现时政府和各行业的的资金皆紧缺，申批也不是易事。[/FONT]
[FONT=宋体]政府小生意担保贷款，小生意创业贷款可达 $350,000 . 小生意商业物业贷款可达$500,000. 适合新办或扩大生意．[/FONT]
[FONT=宋体]小生意创业贷款，适用于餐馆，酒吧，连锁店，便利店，咖啡店，快餐店，进出口业务，具体用途包括购买设备，例如：商务用车、设备，电脑设备网络，装修，购买存货等流动资金需求，设备和装修用途不能超过35万，贷款总金额不超过购置和花费的90%．[/FONT]
[FONT=宋体]小生意商业物业贷款，适用于商铺，商场，加油站，小型旅馆，土地，仓库，工厂，上居下铺，具体用途包括购买商业房产，土地 ．贷款总金额不超过物业价值的90%.[/FONT]
[FONT=宋体]贷款一旦出现损失，银行可以向政府举证并要求赔偿最多85%的最终损失额，同时小生意贷款的当事人个人承担最多25%的实际损失。[/FONT]
[FONT=宋体]小生意，又叫[/FONT]Small Business[FONT=宋体]，在加拿大是个不可忽视的工商领域。众所周之，加拿大不是制造业国家，仅有的一些制造行业和服务行业也是相当一部分源于美国背景。再加上税务方面的实惠，雇主的[/FONT]contract[FONT=宋体]要求等，在加拿大从事小生意的人是非常多的。[/FONT]
[FONT=宋体]对于小生意，有不同的定义。这里说的小生意，是年销售额[/FONT]([FONT=宋体]或收入[/FONT])500[FONT=宋体]万加币以内的各行业，例如，餐馆，商店，理发店，干洗店，工厂，诊所，教堂，学校等等，行业涉及非常广泛。[/FONT]
[FONT=宋体]开展小生意需要到政府部门注册，注册形式大致有三种：[/FONT]sole proprietorship, partnership, incorporation[FONT=宋体]。这三种存在着权力，义务，风险，税收，报告等区别，具体可以咨询会计师或律师。[/FONT]
[FONT=宋体]华人从事的小生意，集中在[/FONT]IT Contractor[FONT=宋体]，各类[/FONT]skill trader([FONT=宋体]如管道工，木匠，电工等[/FONT])[FONT=宋体]，餐馆，咖啡店，便利店，贸易公司，干洗店，旅游票务公司等。[/FONT]
[FONT=宋体]小生意的银行需求和个人银行需求很大不同，银行的产品设置也不同。[/FONT]
([FONT=宋体]二[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]--2
[FONT=宋体]小生意往往需要借款，形式有多样。有的小生意需要自己到大商厦采购原材料，这样的话，公司的信用卡所提供的[/FONT]21[FONT=宋体]天免息期是非常有用的。公司信用卡有各种，[/FONT] [FONT=宋体]大致分为借款型和消费型。后者利率特别高，接近或超过[/FONT]20%[FONT=宋体]。而前者往往利率很低，[/FONT]10%[FONT=宋体]以内，既能享受利率较低的优惠又有信用卡的便利。[/FONT]
[FONT=宋体]有的小生意是开支票付款，那么，信用额度[/FONT]line of credit[FONT=宋体]就能满足其所需。信用额度相当于在帐户里提供了一笔额外的资金可供使用。[/FONT]
[FONT=宋体]不管是什么生意，只要开了帐户，就应该有一个透支保护，这样可以在一定程度上避免支票被退回。[/FONT]
[FONT=宋体]有的人需要购买生意或者建立新的生意，通常需要资金装修、采购设备、办公家具等，可以申请政府项目的小生意借款，详情下次介绍。[/FONT]
([FONT=宋体]三[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]--3
[FONT=宋体]加拿大政府为了鼓励人们开展各种小生意，提供了一个特殊的项目，名为[/FONT]Canadian Small Business Financing Act[FONT=宋体]，或简称[/FONT]CSBFA[FONT=宋体]贷款项目。该项目有以下特点：[/FONT]
1.[FONT=宋体]特别适合各种新开展的小生意[/FONT]
[FONT=宋体]新的小生意没有历史财务记录。贷款决策往往参照现金流量预测等。所有小生意贷款中，只有[/FONT]CSBFA[FONT=宋体]或类似贷款要求提供现金流量预测，并将现金流量及项目计划作为贷款申请的重要文件。[/FONT]
2.[FONT=宋体]最多贷款金额为[/FONT]35[FONT=宋体]万加元[/FONT]
[FONT=宋体]需要借款人自行提供[/FONT]10%[FONT=宋体]自有资金，贷款资金只能涵盖[/FONT]90%[FONT=宋体]，且不包括[/FONT]GST[FONT=宋体]。[/FONT]
3.[FONT=宋体]贷款用途有限制[/FONT]
CSBFA[FONT=宋体]贷款，通俗来说，只能用于固定资产贷款，例如，装修，购买设备机器，购买家具，电脑等各种固定资产。有相当一部分用途是不能用[/FONT]CSBFA [FONT=宋体]贷款融资的，例如存货，应收账款，商誉等无形资产等。[/FONT]
4.[FONT=宋体]贷款利率和费用[/FONT]
[FONT=宋体]政府对于此类贷款有利率规定，浮动利率通常[/FONT]prime+3%[FONT=宋体]。此外，政府还收取一次性的担保费用，金额为贷款金额的[/FONT]2%[FONT=宋体]。[/FONT]
5.[FONT=宋体]特点[/FONT]
[FONT=宋体]政府[/FONT]CSBFA[FONT=宋体]贷款，又称政府担保项目的贷款，一般不要求借款人提供任何资产担保，而借款人也只需提供[/FONT]25%[FONT=宋体]的个人信用担保即可，对初创业的老板来说，贷款风险相当小。
[/FONT] [FONT=宋体]但事实上，现时政府和各行业的的资金皆紧缺，申批也不是易事。[/FONT]
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助小企业贷款 联邦政府十年亏3.35亿
看看这些贷款的效果如何。
[FONT=宋体]助小企业贷款[/FONT] [FONT=宋体]联邦政府十年亏[/FONT]3.35[FONT=宋体]亿[/FONT]
2010-01-04 20:20
([FONT=宋体]世界日报[/FONT]) [FONT=宋体]加拿大工业部帮助小企业的贷款计画[/FONT][FONT=宋体]，十年来一直亏损连连，让银行大为苦恼。而十年前对该计画大改的目的，恰恰是想避免这些问题。[/FONT]
[FONT=宋体]工业部委托咨询机构[/FONT]KPMG[FONT=宋体]，研究了加拿大小企业融资计画的效果。这个计画的主要内容，是对小企业无法偿还的贷款，由政府替他们向银行偿还。[/FONT]
[FONT=宋体]研究报告指出，计画繁文缛节严重，规定很死，导致银行等机构不愿做这种业务，而联邦政府损失也在不断增长。[/FONT]
[FONT=宋体]银行发现要承受很沉重的管理负担，包括大量的文书工作，索偿困难，这对贷款机构无利可图。结果导致贷款件数大幅度下降，去年达到[/FONT]9000[FONT=宋体]件的新低，只有该计画在[/FONT]1999[FONT=宋体]年大改时的一半。[/FONT]
[FONT=宋体]计[/FONT] [FONT=宋体]画迄今为止担保了银行和其他金融机构大约[/FONT]100[FONT=宋体]亿元小企业贷款，工业部根据贷款金额的多少来收取费用，用收取的费用来支付违约贷款。近十年来违约款一直稳[/FONT] [FONT=宋体]定增长，现在每年高达[/FONT]1[FONT=宋体]亿元，而收费却一直显著下降，迄今政府为此净亏[/FONT]3[FONT=宋体]亿[/FONT]3500[FONT=宋体]万元。报告指出，赔款和收入之间的缺口将继续存在，并很有可能继续扩[/FONT] [FONT=宋体]大。[/FONT]
[FONT=宋体]这个计画的贷款投资组合在过去十年间风险也在加大，特别是现在计画照顾新成立的小企业，他们信用分数很低，抵押财产也多，许多是在食品和饮料业。[/FONT]
[FONT=宋体]很少的小企业主听到过这个计画，所以实际上银行成为了推荐人。如果银行不批准小企业的标准贷款，就会向他们推荐这个计画。[/FONT]
[FONT=宋体]但是贷款机构一般不喜欢这个计画，他们认为需要填写大量表格，这是最主要的麻烦。此外，贷款银行的经办人还感到，负责赔偿违约贷款的联邦政府员工非常严格，主要专注原因，而不是理赔，所以一些银行职员坦承非常不愿意提供这个计画。[/FONT]
KPMG[FONT=宋体]报告提出的几乎所有的问题，都是先前研究的老生常谈。工业部[/FONT]2002[FONT=宋体]年的报告就指出文书工作太多、无钱可挣、很难索赔，让金融机构远离这个计画。在同一年，联邦审计长就曾怀疑这个计画能否做到收支平衡。[/FONT]
[FONT=宋体]在去年的联邦预算中，对计画做了两处改进，一是将最高贷款额增加[/FONT]10[FONT=宋体]万元，提高到[/FONT]35[FONT=宋体]万元，二是调整了赔款的计算限额。财政部当时预计贷款额能从每年的[/FONT]10[FONT=宋体]亿元再增加[/FONT]3[FONT=宋体]亿元。[/FONT]
[FONT=宋体]加拿大小企业融资计画，承担违约贷款的[/FONT]85%[FONT=宋体]，并对贷款设定了最高利率，最高利率为优惠贷款利率加三个百分点。[/FONT]
看看这些贷款的效果如何。
[FONT=宋体]助小企业贷款[/FONT] [FONT=宋体]联邦政府十年亏[/FONT]3.35[FONT=宋体]亿[/FONT]
2010-01-04 20:20
([FONT=宋体]世界日报[/FONT]) [FONT=宋体]加拿大工业部帮助小企业的贷款计画[/FONT][FONT=宋体]，十年来一直亏损连连，让银行大为苦恼。而十年前对该计画大改的目的，恰恰是想避免这些问题。[/FONT]
[FONT=宋体]工业部委托咨询机构[/FONT]KPMG[FONT=宋体]，研究了加拿大小企业融资计画的效果。这个计画的主要内容，是对小企业无法偿还的贷款，由政府替他们向银行偿还。[/FONT]
[FONT=宋体]研究报告指出，计画繁文缛节严重，规定很死，导致银行等机构不愿做这种业务，而联邦政府损失也在不断增长。[/FONT]
[FONT=宋体]银行发现要承受很沉重的管理负担，包括大量的文书工作，索偿困难，这对贷款机构无利可图。结果导致贷款件数大幅度下降，去年达到[/FONT]9000[FONT=宋体]件的新低，只有该计画在[/FONT]1999[FONT=宋体]年大改时的一半。[/FONT]
[FONT=宋体]计[/FONT] [FONT=宋体]画迄今为止担保了银行和其他金融机构大约[/FONT]100[FONT=宋体]亿元小企业贷款，工业部根据贷款金额的多少来收取费用，用收取的费用来支付违约贷款。近十年来违约款一直稳[/FONT] [FONT=宋体]定增长，现在每年高达[/FONT]1[FONT=宋体]亿元，而收费却一直显著下降，迄今政府为此净亏[/FONT]3[FONT=宋体]亿[/FONT]3500[FONT=宋体]万元。报告指出，赔款和收入之间的缺口将继续存在，并很有可能继续扩[/FONT] [FONT=宋体]大。[/FONT]
[FONT=宋体]这个计画的贷款投资组合在过去十年间风险也在加大，特别是现在计画照顾新成立的小企业，他们信用分数很低，抵押财产也多，许多是在食品和饮料业。[/FONT]
[FONT=宋体]很少的小企业主听到过这个计画，所以实际上银行成为了推荐人。如果银行不批准小企业的标准贷款，就会向他们推荐这个计画。[/FONT]
[FONT=宋体]但是贷款机构一般不喜欢这个计画，他们认为需要填写大量表格，这是最主要的麻烦。此外，贷款银行的经办人还感到，负责赔偿违约贷款的联邦政府员工非常严格，主要专注原因，而不是理赔，所以一些银行职员坦承非常不愿意提供这个计画。[/FONT]
KPMG[FONT=宋体]报告提出的几乎所有的问题，都是先前研究的老生常谈。工业部[/FONT]2002[FONT=宋体]年的报告就指出文书工作太多、无钱可挣、很难索赔，让金融机构远离这个计画。在同一年，联邦审计长就曾怀疑这个计画能否做到收支平衡。[/FONT]
[FONT=宋体]在去年的联邦预算中，对计画做了两处改进，一是将最高贷款额增加[/FONT]10[FONT=宋体]万元，提高到[/FONT]35[FONT=宋体]万元，二是调整了赔款的计算限额。财政部当时预计贷款额能从每年的[/FONT]10[FONT=宋体]亿元再增加[/FONT]3[FONT=宋体]亿元。[/FONT]
[FONT=宋体]加拿大小企业融资计画，承担违约贷款的[/FONT]85%[FONT=宋体]，并对贷款设定了最高利率，最高利率为优惠贷款利率加三个百分点。[/FONT]
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加拿大中小企业服务中心
加拿大中小企业服务中心
http://sbosa.org/
加拿大中小企业服务中心
http://sbosa.org/
2010年6月9日上午，加拿大中小企业服务中心召开新闻发布会，宣布正式成立。
加拿大中小企业服务中心是在安省注册的专为加拿大的中小企业，特别是准备自己创业成立企业的少数族裔移民服务的非赢利机构。英文全称：Small Business Owner Service Association ，英文简写：SBOSA。
加拿大中小企业服务中心主席潘洁介绍说：加拿大中小企业服务中心是由一群热心公益事业的各行业专业人士与社团负责人发起。大家有感于新移民创业的艰难，愿意为新移民在加国开始自己的创业生活搭建一个全方位的服务平台。
潘洁接着说：加拿大空气新鲜、法律健全、福利优厚、教育体制先进，它为我们提供了一个宽松的人际关系环境。但是作为新移民，特别在国内已经取得创业成功的新移民，如何能够迅速在加拿大找准自己的人生定位与事业目标，开始新的创业，确实不是件容易的事情。
即使是已经开始创业起步的，因为语言、文化、法律等方面的制约，使进一步的发展也遭遇到瓶颈。
加拿大中小企业中心的主要任务就是为中小企业以及有需求的少数族裔移民提供全方位的服务，并根据政府的相关政策，积极支持中小企业的成立与发展。
加拿大中小企业服务中心本着相互扶持、共同发展的宗旨。旨在搭建起一个相互帮助、资源共享、共同发展的事业平台。让我们的移民在享受这里优越的生活条件时，也能获取事业的成功。
随着加中国际交流的更加密切，未来几年，华人特别是大陆职业精英、投资者的移民将会形成一个高潮。他们大多数在国内有创业的经历与成功的经验，甚至积累了 可观的财富。如何帮助他们迅速适应加拿大的政策法律环境，找到合适加拿大与中国的共同发展之路，为他们拓展和实现企业的国际化，将会是我们的重要工作。 www. canada meet . com
加拿大中小企业服务中心公关温一山说：刚才早上我就在与移民部长一起吃饭，其实政府也在想各种方法，通过各种途径来为我们移民创业服务。只是我们对政府政 策的倾向不清楚，我们这个服务中心就是要搭建起一个桥梁，将大力加强同政府相关部门、和相关的机构团体的合作，并通过各类讲座培训、研讨会与横向联谊合 作、专题活动的方式为本中心会员提供政策信息、投资融资、交流会展、宣传推广、管理与法律咨询等方面的帮助与支持。
会上，主席潘洁代表中小企业服务中心向ITALKBB、咸氏金融有限公司的支持表示衷心的感谢，并为ITALKBB公司总裁刘杰、咸氏金融有限公司营运总监王智颁发了荣誉副主席的证书。
最后咸氏金融有限公司营运总监王智、加拿大中国投资移民协会会长罗幼奋等都发表了热情溢洋的讲话，并表示要不遗余力地参与和支持加拿大中小企业服务中心的工作，为我们广大的移民开始加拿大的创业作出应有的贡献。
加拿大中小企业服务中心是在安省注册的专为加拿大的中小企业，特别是准备自己创业成立企业的少数族裔移民服务的非赢利机构。英文全称：Small Business Owner Service Association ，英文简写：SBOSA。
加拿大中小企业服务中心主席潘洁介绍说：加拿大中小企业服务中心是由一群热心公益事业的各行业专业人士与社团负责人发起。大家有感于新移民创业的艰难，愿意为新移民在加国开始自己的创业生活搭建一个全方位的服务平台。
潘洁接着说：加拿大空气新鲜、法律健全、福利优厚、教育体制先进，它为我们提供了一个宽松的人际关系环境。但是作为新移民，特别在国内已经取得创业成功的新移民，如何能够迅速在加拿大找准自己的人生定位与事业目标，开始新的创业，确实不是件容易的事情。
即使是已经开始创业起步的，因为语言、文化、法律等方面的制约，使进一步的发展也遭遇到瓶颈。
加拿大中小企业中心的主要任务就是为中小企业以及有需求的少数族裔移民提供全方位的服务，并根据政府的相关政策，积极支持中小企业的成立与发展。
加拿大中小企业服务中心本着相互扶持、共同发展的宗旨。旨在搭建起一个相互帮助、资源共享、共同发展的事业平台。让我们的移民在享受这里优越的生活条件时，也能获取事业的成功。
随着加中国际交流的更加密切，未来几年，华人特别是大陆职业精英、投资者的移民将会形成一个高潮。他们大多数在国内有创业的经历与成功的经验，甚至积累了 可观的财富。如何帮助他们迅速适应加拿大的政策法律环境，找到合适加拿大与中国的共同发展之路，为他们拓展和实现企业的国际化，将会是我们的重要工作。 www. canada meet . com
加拿大中小企业服务中心公关温一山说：刚才早上我就在与移民部长一起吃饭，其实政府也在想各种方法，通过各种途径来为我们移民创业服务。只是我们对政府政 策的倾向不清楚，我们这个服务中心就是要搭建起一个桥梁，将大力加强同政府相关部门、和相关的机构团体的合作，并通过各类讲座培训、研讨会与横向联谊合 作、专题活动的方式为本中心会员提供政策信息、投资融资、交流会展、宣传推广、管理与法律咨询等方面的帮助与支持。
会上，主席潘洁代表中小企业服务中心向ITALKBB、咸氏金融有限公司的支持表示衷心的感谢，并为ITALKBB公司总裁刘杰、咸氏金融有限公司营运总监王智颁发了荣誉副主席的证书。
最后咸氏金融有限公司营运总监王智、加拿大中国投资移民协会会长罗幼奋等都发表了热情溢洋的讲话，并表示要不遗余力地参与和支持加拿大中小企业服务中心的工作，为我们广大的移民开始加拿大的创业作出应有的贡献。
回复: 召集帖：OSEB或者小生意人士
这么多EAC,那一家的服务好一些,能通过的可能大一些呢?
Toronto's Employment Assessment Centres
这么多EAC,那一家的服务好一些,能通过的可能大一些呢?
Toronto's Employment Assessment Centres
- Career Foundation: Central Toronto Employment Assessment Centre
- Career Foundation: Lawrence Square Employment Assessment Centre
- Centre francophone de Toronto
- COSTI Employment Counselling Centre
- Goodwill Toronto Goodwill Employment Assessment Centre
- Progress Career Planning Centre
- Toronto District School Board, Yorkland Centre Employment Counselling Service
- vpi Inc Employment Assessment Centre (Scarborough North)
- vpi Inc Employment Assessment Centre (Etobicoke)
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回复: 召集帖：OSEB或者小生意人士
这可是老前辈呀!!欢迎来指导TZM学习.
这可是老前辈呀!!欢迎来指导TZM学习.
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