通过欧洲农业发展基金（EAFRD）支持的金融工具在共同农业政策（CAP）战略计划下支持欧盟农业.pdf

1、#ficompass#ficompassOCCITANIE in the south of France#ficompassOne of Europes most attractive regions 6 million inhabitants+50 000 new inhabitants per year Agriculture,first employer(165 000)1st region in organic farming1st vineyard in the world250 products under the quality label2000 installations i

2、n 5 years22 billion euros in turnover#ficompass#ficompass#ficompassImplementation of FIs Market analysis and lessons learnedEx-ante assessment for CAP SPFinancial gap of agrifood sector(in EUR)Profile of agrifood sectorSmall and scattered agricultural enterprises.Small processing SMEs.Young farmers

3、and available funding.No credit history,lack of collateral.Combination with grantsWorking capitalImplementation of FIs under RDP 2014-2022FIs under RDP 2014-2022Guarantee FI639 loan contracts EUR 48 millionMicroloan FI 2 900 loan contracts EUR 67 millionCollateralFor guarantee FI82%without collatera

4、l(524 loans,EUR 33 million)18%with EUR 4 mil.collateral(115 loans,EUR 15 million)Lessons learnedIT system and invoices.Technical assistance(advisors).Toolsfor the combination of grant FI in two operations.Perceptions of financial instruments vs commercial loans.Primary SectorProcessingFinancial need

5、8,853445Financial gap 3.1 3.8(3.11 3.93)Financial nstrumentsGuarantee and Microloan Financial InstrumentsGUARATEE FIGuarantee for loans Investments and work.capital EUR 10 000 5,000,000 Guarantee rate 80%-cap rate 25-35%Repayment period up to 15 yearsWorking capital together with investmentsInterest

6、 rate subsidy-Technical assistance-RDP 2014-2022CAP SPGuarantee for loans Investments EUR 25 000 3,500,000Working capital EUR 25 000 500,000Guarantee rate 70%-cap rate 20%Repayment period up to 15 years/5 yearsStand alone working capitalInterest rate subsidy 4%for 4 yearsTechnical assistance EUR 800