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Pro-Active Restructuring and Reorganization (PARR), hereunder Debt Relief, offer effective measures for viable reconstruction of SMEs, hereunder family-owned firms, and regional Basic Infrastructure Activities (BIAs), which are vital to SMEs
Before July 17, 2021 the European countries shall implement EU Directive 2019-1023 concerning Restructuring, Insolvency, Discharge of Debt. Germany implemented on January 1, 2021.
It is similar to US Chapter 11-rules, which can offer a company protection against its creditors for a period of time decided by a competent specialized court. This implies a breakthrough for the efforts of; www.UNCITRAL.org - to harmonize national legislations on pro-active reconstruction (on the one hand) and bankruptcy (on the other hand). That can help reduce losses of resources and human efforts for business owners/enterprisers and investors.
National implementations benefiting also SMEs, hereunder family-owned firms, will require thorough cross-professional preparations and institutional development in order to become effective tools for reconstruction in the wake of COVID-pandemic and resulting crises.
An era of poor credit extension based on mortgages and other collateral can be over subject to a Reform of Debt Relief.
The EU Action Plan for Sustainable Investments will be introduced on January 1, 2022
In November 2019 an EU Regulation on Publishing Information on Sustainability in the Financial Sector was adopted, and most of the requirements in the regulation will apply in the EU from March 10, 2021. It will result in a taxonomy of investments handled by the financial sector, i.e. info must be published on whether investments are sustainalble - or not. Look to the Page: "Financial Reform" for more details.
The CVN-Approach for Impact Investing applies a Role-divided Value Chain organized by a "No-Group-Structure"
It combines a business- and an open ownership model - providing trustee-/fiduciary activities in the fields of owner-/enterpriser dynamics, including PARR, for the benefit of SMEs in Maritime Regions + hinterlands.
Please look to the Page: "The Value Chain" of Pro-Active Reconstruction. It has a "Pdf" for downloading, which explains:
A CVN-Approach for Impact Investing focus on uncontested market space(s); namely, needs of owners/enterprisers and investors in SMEs, hereunder family-owned firms.
These needs are similar everywhere - especially in maritime regions - Worldwide. Why? Because most SMEs are not "Names" in media and markets. They tend to be underserved by transaction-fee driven players, who focus on "Names" in financial markets - and their CFOs - for the repeat business of deal flows. Therefore, SMEs lack access to trustees/fiduciaries in fields such as a. o. equity capital-financing, ownership-dilemmas and owner-governance.
Note: A peer-to-peer relation between a SME and a CVN always start by dialogue to be based on a Vision and/or a Value Proposition. That is what an owner/enterpriser- or an investor - needs a true confidant for.
A comparative analysis of a CVN-Approach for Impact Investing with the Private Equity Fund-model
It reveals that the latter benefits primarily the General Managers, who are performing so-called "Creative Destruction" by applying Other People's Money (OPM).
Look to the Page: "Stances on Private Equity" - on the Barbarian Empire of Private Equity. It refers to a 4-four page article in The Economist October 22, 2016.
For a historic- and systemic perspective look to a book by Louis Brandeis. 1913. Other People's Money: And How the Bankers Use It.
Digitization & Robotics as well as Green Shifts by general Green Pricing of actual Use of Resources and Technical Standards
These changes may result in building-down of unsustainable activities in many larger- or mid-sized organizations in both public- and private sector. However, relations, networks and competencies will prevail, if built on trust.
New Regional Basic Infrastructure is much needed - along with New Skills - to avoid mass-unemployment and to create jobs. So-called "Kodak Moments” can be avoided.
Please identify yourself by sending a brief presentation to: steco@bankier.co. Or you may refer to a website and an adjacent e-mail address + your name and role. Bankier.co can send you briefs on e.g.:
Note: For an introduction to co-establishment and/or participation in an innovative Collaborative Value Network (CVN) for Impact Investing for owners/enterprisers and investors in a maritime region - look to the Page: "Networking in Maritime Regions" and the Page: "Contact Bankier.co".
Another Brief Summing Up: Most of the financial industry's incumbents are practicing cross-selling strategies stimulated by bonus schemes. To avoid- or reduce abuse of an atomist (read: an individual without influence alone) SMEs can assemble, spread risk and build capacity to facilitate access to equity capital-financing or mezzanine financing by joining a Protection Club, which resembles a Protection & Indemnity (P&I) Club for ship owners. SMEs should experience real financial innovation with social impact - for example affordable access to trustees/fiduciaries as well as independent expertise, who can respectively ready vital dispositions and verify in matters of equity financing, ownership-dilemmas and owner governance - as well as in matters of other investment-/merchant services - always at arm's length to other roles in financial markets.
Note: Endowment for Ethics & Enterprise (EEE), initiated by Bankier.co, can offer impartial assistance an promotion of Association of Enterprisers, a (new) Protection Club and/or a Market Place in a maritime region – for example an Enterprise-Mart for broadcasting initiatives, needs, etc. - and adjacent access to impartial expertise for verification of initiatives and needs + analyses of viability/systainability before investing - and impact(s) as a result of an investment.
Look for more details under Optional Reading on EEE overleaf.
Before July 17, 2021 the European countries shall implement EU Directive 2019-1023 concerning Restructuring, Insolvency, Discharge of Debt. Germany implemented on January 1, 2021.
It is similar to US Chapter 11-rules, which can offer a company protection against its creditors for a period of time decided by a competent specialized court. This implies a breakthrough for the efforts of; www.UNCITRAL.org - to harmonize national legislations on pro-active reconstruction (on the one hand) and bankruptcy (on the other hand). That can help reduce losses of resources and human efforts for business owners/enterprisers and investors.
National implementations benefiting also SMEs, hereunder family-owned firms, will require thorough cross-professional preparations and institutional development in order to become effective tools for reconstruction in the wake of COVID-pandemic and resulting crises.
An era of poor credit extension based on mortgages and other collateral can be over subject to a Reform of Debt Relief.
The EU Action Plan for Sustainable Investments will be introduced on January 1, 2022
In November 2019 an EU Regulation on Publishing Information on Sustainability in the Financial Sector was adopted, and most of the requirements in the regulation will apply in the EU from March 10, 2021. It will result in a taxonomy of investments handled by the financial sector, i.e. info must be published on whether investments are sustainalble - or not. Look to the Page: "Financial Reform" for more details.
The CVN-Approach for Impact Investing applies a Role-divided Value Chain organized by a "No-Group-Structure"
It combines a business- and an open ownership model - providing trustee-/fiduciary activities in the fields of owner-/enterpriser dynamics, including PARR, for the benefit of SMEs in Maritime Regions + hinterlands.
Please look to the Page: "The Value Chain" of Pro-Active Reconstruction. It has a "Pdf" for downloading, which explains:
- Why a New Deal is essential to effective Reconstruction - namely, to reduce bankruptcies and resulting losses of resources and jobs in the wake of pandemic and resulting crises;
- The Urgency of a New Deal and its Strategic Issues;
- A Role-divided Value Chain by a No-Group-Structure for Impact Investing.
- Strategy for a successful Scaling-Up.
A CVN-Approach for Impact Investing focus on uncontested market space(s); namely, needs of owners/enterprisers and investors in SMEs, hereunder family-owned firms.
These needs are similar everywhere - especially in maritime regions - Worldwide. Why? Because most SMEs are not "Names" in media and markets. They tend to be underserved by transaction-fee driven players, who focus on "Names" in financial markets - and their CFOs - for the repeat business of deal flows. Therefore, SMEs lack access to trustees/fiduciaries in fields such as a. o. equity capital-financing, ownership-dilemmas and owner-governance.
Note: A peer-to-peer relation between a SME and a CVN always start by dialogue to be based on a Vision and/or a Value Proposition. That is what an owner/enterpriser- or an investor - needs a true confidant for.
A comparative analysis of a CVN-Approach for Impact Investing with the Private Equity Fund-model
It reveals that the latter benefits primarily the General Managers, who are performing so-called "Creative Destruction" by applying Other People's Money (OPM).
Look to the Page: "Stances on Private Equity" - on the Barbarian Empire of Private Equity. It refers to a 4-four page article in The Economist October 22, 2016.
For a historic- and systemic perspective look to a book by Louis Brandeis. 1913. Other People's Money: And How the Bankers Use It.
Digitization & Robotics as well as Green Shifts by general Green Pricing of actual Use of Resources and Technical Standards
These changes may result in building-down of unsustainable activities in many larger- or mid-sized organizations in both public- and private sector. However, relations, networks and competencies will prevail, if built on trust.
New Regional Basic Infrastructure is much needed - along with New Skills - to avoid mass-unemployment and to create jobs. So-called "Kodak Moments” can be avoided.
Please identify yourself by sending a brief presentation to: steco@bankier.co. Or you may refer to a website and an adjacent e-mail address + your name and role. Bankier.co can send you briefs on e.g.:
- Scaling-up of a Collaborative Value Network (CVN) for Impact Investing - with reach beyond the financial economy;
- Restructuring, debt relief (discharge of debt) and solvency-measures in the wake of a pandemic and resulting crises.
Note: For an introduction to co-establishment and/or participation in an innovative Collaborative Value Network (CVN) for Impact Investing for owners/enterprisers and investors in a maritime region - look to the Page: "Networking in Maritime Regions" and the Page: "Contact Bankier.co".
Another Brief Summing Up: Most of the financial industry's incumbents are practicing cross-selling strategies stimulated by bonus schemes. To avoid- or reduce abuse of an atomist (read: an individual without influence alone) SMEs can assemble, spread risk and build capacity to facilitate access to equity capital-financing or mezzanine financing by joining a Protection Club, which resembles a Protection & Indemnity (P&I) Club for ship owners. SMEs should experience real financial innovation with social impact - for example affordable access to trustees/fiduciaries as well as independent expertise, who can respectively ready vital dispositions and verify in matters of equity financing, ownership-dilemmas and owner governance - as well as in matters of other investment-/merchant services - always at arm's length to other roles in financial markets.
Note: Endowment for Ethics & Enterprise (EEE), initiated by Bankier.co, can offer impartial assistance an promotion of Association of Enterprisers, a (new) Protection Club and/or a Market Place in a maritime region – for example an Enterprise-Mart for broadcasting initiatives, needs, etc. - and adjacent access to impartial expertise for verification of initiatives and needs + analyses of viability/systainability before investing - and impact(s) as a result of an investment.
Look for more details under Optional Reading on EEE overleaf.