2021-12-07 2021-12-07 , Online Online, 490,- € zzgl. MwSt. Roland Kupka https://www.forum-institut.de/seminar/21123050-e-learning-sme-finance-in-germany/referenten/21/21_12/21123050-seminar-sme-finance-in-germany_kupka-roland.jpg e-Learning: SME-Finance in Germany

This e-learning programme will inform you about general aspects, chances and issues of SME-Finance in Germany, it will provide you with the structure and particularities of the German SME-market.

Topics "e-Learning: SME-Finance in Germany"
  • Overview of the economic climate and challenges ahead for SME in Germany
  • The main short- and long-term financing instruments, the fundamentals of hybrids and Off-balance-sheet financing
  • Regulatory requirements, deleveraging of banks’ balance sheets, need for a new bank approach, "new players on the market"
  • Fundamentals of the most common collateral used for financing of working capital and capex
  • The most relevant (Financial) Covenants
  • Practical example of credit risk analysis: profit & loss statement, balance sheet & cash flow
  • Excurse: Overview and present issues of German banking market
Aims and objectives e-Learning: SME-Finance"
The introductory e-Learning will inform you according to which criteria SMEs in Germany are segmented and defined. You will get an understanding about general aspects, chances, challenges as well as issues of SME-Finance in Germany.
The course will provide you with a deeper understanding of the main classical short-term and long-term financing instruments, hybrids applied in SME-Finance and the most common collateral used for financing of working capital and capex.
You will appreciate the key success factors for credit approvals from banks and the benefits of financial planning. In addition you will gain practical knowledge about the current market environment and a strategic approach how to work successfully with SME.
Finally you can verify your analytical skills in credit risk analysis.
Your benefits:

  • Understand the structure and particularities of the German SME-market.
  • Get a good overview of the present challenges and chances of achieving reasonable RoE when working with SME.
  • Become competent in different classical financing instruments, learn first aspects about "Off-balancesheet financing", hybrids and necessary collateral tools.
  • Get an up-to-date overview of the most relevant (Financial) Covenants used in the financing business.
  • Possibility to test your analytical skills.
Who should attend

This e-Learning is designed for anyone who want to learn the fundamentals of SME-Finance. This lecture will also be useful for less experienced colleagues who work in the SME-business and want to understand the strategic approach for building long lasting business relations with SME.

Mid-management of financial institutions working with SME Finance
Operational staff within financial institutions working with SME Finance
Top management of financial institutions wanting to enter SME Finance
Staff of regulators, policy makers, donors and other SME Finance related institutions
Staff of SME associations
Consultants and other individuals interested in SME Finance

21123050 Seminar SME-Finance in Germany

SME-Finance in Germany

e-Learning

Benefits
  • Individual time management
  • Education where you want it to be
  • Learning success controls
  • Qualifying Certificate
  • Compatibility with mobile device

Webcode 21123050

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Alles auf einen Blick

Termin

anytime

anytime

Zeitraum

After receiving your personal access...

After receiving your personal access data it is possible for you to work on the units as often as you want for three month
Veranstaltungsort

Online

Online

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Ihr Ansprechpartner

Robin Reichelt
Konferenzmanager

+49 6221 500-870
r.reichelt@forum-institut.de

Details

This e-learning programme will inform you about general aspects, chances and issues of SME-Finance in Germany, it will provide you with the structure and particularities of the German SME-market.

Topics "e-Learning: SME-Finance in Germany"
  • Overview of the economic climate and challenges ahead for SME in Germany
  • The main short- and long-term financing instruments, the fundamentals of hybrids and Off-balance-sheet financing
  • Regulatory requirements, deleveraging of banks’ balance sheets, need for a new bank approach, "new players on the market"
  • Fundamentals of the most common collateral used for financing of working capital and capex
  • The most relevant (Financial) Covenants
  • Practical example of credit risk analysis: profit & loss statement, balance sheet & cash flow
  • Excurse: Overview and present issues of German banking market
Aims and objectives e-Learning: SME-Finance"

The introductory e-Learning will inform you according to which criteria SMEs in Germany are segmented and defined. You will get an understanding about general aspects, chances, challenges as well as issues of SME-Finance in Germany.
The course will provide you with a deeper understanding of the main classical short-term and long-term financing instruments, hybrids applied in SME-Finance and the most common collateral used for financing of working capital and capex.
You will appreciate the key success factors for credit approvals from banks and the benefits of financial planning. In addition you will gain practical knowledge about the current market environment and a strategic approach how to work successfully with SME.
Finally you can verify your analytical skills in credit risk analysis.
Your benefits:

  • Understand the structure and particularities of the German SME-market.
  • Get a good overview of the present challenges and chances of achieving reasonable RoE when working with SME.
  • Become competent in different classical financing instruments, learn first aspects about "Off-balancesheet financing", hybrids and necessary collateral tools.
  • Get an up-to-date overview of the most relevant (Financial) Covenants used in the financing business.
  • Possibility to test your analytical skills.

Who should attend

This e-Learning is designed for anyone who want to learn the fundamentals of SME-Finance. This lecture will also be useful for less experienced colleagues who work in the SME-business and want to understand the strategic approach for building long lasting business relations with SME.

Mid-management of financial institutions working with SME Finance
Operational staff within financial institutions working with SME Finance
Top management of financial institutions wanting to enter SME Finance
Staff of regulators, policy makers, donors and other SME Finance related institutions
Staff of SME associations
Consultants and other individuals interested in SME Finance

Detailed programme

After receiving your personal access data it is possible for you to work on the units as often as you want for three month

Unit 1: Introduction to SME in Germany
  • Definition and segmentation of SMEs in Germany
  • Overview of current economic climate and business outlook in Germany
  • Success factors of German Corporate/SME-Industry ("Hidden champions")
By the end of this unit participants...
...know how SMEs are defined in Germany,
... have an overview of the economic climate in Germany and challenges ahead,
... have learned how SMEs can operate successfully in different industries

Unit 2: General Corporate Banking Products for SME
  • Classical short-term- and long-term financing of working capital and capex
  • Off-balance-sheet financing, hybrids and Mezzanine-Finance
  • Different side-businesses (opportunities for cross selling)
By the end of this unit participants...
... are familiar with the main short- and long-term financing instruments,
... know the fundamentals of hybrids and Off balance-sheet financing,
... have elaborated on the main cross selling instruments when working with SMEs

Excurse: Overview and present issues of German banking market
  • The 3 pillars in Germany are leading to fragmentation, consolidation and competition
  • Market environment with negative interest rates, ECB-policy
  • "Too much money and too little deals"
By the end of this unit participants...
... have gained an understanding why the German banking market is highly competitive,
... have an overview about the present issues of the German banking industry

Unit 3: General aspects of Corporate/SME-Financing
  • Preconditions for credit approvals
  • Benefits of financial management/-planning
By the end of this unit participants...
... can verify the priorities for Banks’ credit approvals,
... have learned the advantages which can be obtained from a comprehensive financial planning

Unit 4: Corporate/SME-Financing in a changing and challenging environment
  • Regulatory requirements, deleveraging of banks’ balance sheets, need for a new bank approach, "new players on the market"
  • Chances and several success factors for banks in SME business achieving house/-core bank status
By the end of this unit participants...
... have understood the ongoing "change process" on financial markets,
... can proof evidence about the potential to develop SME-business in a positive and profitable way

Unit 5: Common collateral in SME-Financing
  • Mortgage on properties and different types of interestPledge of machinery / equipment
  • Pledge of inventories and receivables and borrowing base-finance
  • Personal guarantee
By the end of this unit participants...
... know the fundamentals of the most common collateral used for financing of working capital and capex

Unit 6: Types of Financial Covenants
  • Negative pledge clause
  • Pari-passu clause
  • Change of control clause
  • Cross default clause
  • Equity ratio / Solidity
  • Leverage ratio
  • Interest coverage ratio
  • Gearing ratioBy the end of this unit participants...
... are familiar with the main (Financial) Covenants used in SME-Finance,
... know how to interpret the different ratios,
... understand the importance of (Financial) Covenants in credit business

Unit 7: Practical example of Credit risk analysis
  • Analysis of profit & loss statement
  • Analysis of balance sheet
  • Analysis of cash flow
By the end of this unit participants...
... have matched and compared their analytical understanding in a "real-life" credit case.

Trailer

e-Learning: SME-Finance in Germany

Here you can get a brief insight into the e-Learning SME-Finance in Germany.

Further information

How does it work?

1. Register for the e-Learning programme on our website.
2. You will receive an e-mail with your login data for our learning platform.
3. Log in to start your e-Learning programme.
4. Complete your e-Learning modules at your own pace.
5. Finalise the modules with a multiple-choice test.
6. Once you have successfully completed the test, you will be awarded a certificate, which you can print out.

Try our e-Learning programme for free and familiarise yourself with our learning environment.

Who should attend?

  • This online course is tailored to the needs of managers and loan officers active or interested in SME Finance
  • Operational staff within financial institutions working with SME Finance
  • Top management of financial institutions wanting to enter SME Finance
  • Staff of regulators, policy makers, donors and other SME Finance related institutions
  • Staff of SME associations

What do we offer:

Seven units as video lectures, a PDF script laying the theoretical foundation, examples, practical exercises, online tests and case studies. Personalized support from your e-Campus. The option to obtain a Certificate after passing the units or a confirmation of course completion after completing the course.

Units at a glance

- Module 1: Introduction to SME in Germany - Module 2: General Corporate Banking Products for SME - Excurse: Overview and present issues of German banking market - Module 3: General aspects of Corporate/SME-Financing - Module 4: Corporate/SME-Financing in a changing and challenging environment - Module 5: Common collateral in SME-Financing - Module 6: Types of Financial Covenants - Module 7: Practical example of Credit risk analysis

General information on the methodology of e-learning

You can stop the e-learning at any time for example to take notes. You can listen to the modules as often as you like, so that you have no problems following things.

The tests at the end of the course allow you to immediately apply what you have learned.

The way of imparting knowledge is nowadays even preferred to a face-to-face seminar, as one can simply learn more spontaneously and can integrate the sessions flexibly into the daily work routine.

This distinguishes our events

Modules

Hours of learning content

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