シリア工業銀行が中小企業救済策を提案 財務省は債務把握に乗り出す

反政府デモの影響が大きくて、大統領を続けるのも大変です。政府が倒れたら、困るのは庶民なのだから、デモはいい加減やめろ。馬鹿な連中の尻ぬぐいために、大統領は睡眠時間を削って対応している。本当にお気の毒。

(1つ目)5月24日。(景気悪化でローン返済できない企業が続出したため、)工業銀行で大量の不良債権が発生した。国民経済の90%を占める中小事業者を追い詰めるわけにはいかないため、銀行は問題の正常化を検討し始めた。

中銀が預金金利は引き上げたが、貸出金利は据え置いた。)現在預金金利は5.5%なので、利率5.5%以下のローン契約は収益悪化要因となる。工業銀行の融資原資は、個人等からの預金に限られている(ので、銀行単独での救済は不可能で、政府の支援が必要だ)。

(2つ目)5月31日。苦境に直面する産業界を下支えするため、財務省が様々な施策を検討している。原材料輸入にかかる関税引き下げ、保証を付けることを条件に債務の利払い5年間猶予、2年間無利子のつなぎ融資提供、などなど。

(3つ目)6月5日。工業銀行が対策案をまとめて財務省に提出した。救済対象は、ローンを組んでいる事業者の大半に適用され、その数は4000から5000に達する。債務返済を2ヶ月連続で滞った事業者には、新たに保証を付け、プレミアムを支払うことを条件に、利払いの延期または免除、最長5年のリスケ(繰り延べ)を認める。

2010年の銀行決算は144 milシリポンの黒字であったため、過去5年の赤字350 milシリポンの約半分を穴埋めすることができた。

(4つ目)6月6日。シリア財務省が公営企業に月次財務報告を求める
2010年12月31日付けで閉めた財務諸表に加え、月次のバランスシートを6月30日までに提出するよう要求する通達を発した。今後は、翌月15日までに毎月報告を上げなければならない。財務省は、特に債権・債務の所在と問題の早期把握を重視している。

財務省は、公営企業が抱える不良債権の総額は、2010年初の時点で5070億シリポン(約8845億円)と推計している。



Industrial Bank announces its inability to grant loans for industrial real emergency
http://www.aksalser.com/index.php?page=view_news&id=a75542f3163267e94a13a43073db3be9&h=%C7%E1%E3%D5%D1%DD%20%C7%E1%D5%E4%C7%DA%ED&ar=336576458
2011.05.24
Tuesday - 24 May - 2011 - 11:44:55

The Director General of Industrial Bank, "Anis al-Maaraawi" The settlement is part of the bad debts by decrees 213 and 217 for 2010 and of 50-60% of this debt has contributed to the return of wellness to the bank and change course and improve the relationship with its customers.

The "al-Maaraawi" B according to the newspaper "al-Thawrah" that great hope to recover the rest of the bad debts and the amount of 12 billion pounds without the particular benefits, and that the bank encourages adjustments modern ones, which entered digit prosecution and that there could be future actions contribute to its return to the natural.

He said al-Maaraawi with respect to the bank's ability to meet the request of some industrialists across the Federation of Chambers of Industry for some loans ambulatory that runs from one million to 5 million pounds for small and medium-sized: You do not have the ability to meet this demand for many reasons, because if we've to process statistics for These SMEs, which constitute 90% of the structure of the Syrian national economy, it requires tens of billions to make up for the possibility of securing this liquidity is not possible if approved by the bank on that, because the bank's capital 1.24 billion pounds and the most important source for funding is the deposits of by individuals, institutions and non-logic that is to dispel the ratio of these deposits in interest-free loans or low interest.

The average cost of deposits with the Industrial Bank 5.5% and that any loan is approved or granted to the benefit of less than 5.5% will cause losses on the bank will arrange with the amount of the difference and that the bank is currently studying for the scheduling of loans and private loans during the current biennium close and study, guided by the foundations to contribute to solving the problem of the Industrialists newly defaulters and do not constitute a significant burden on the Industrial Bank.



Council of Ministers draw book for industrial .. Preparing a decree to schedule the bad debts is not possible to reduce the income tax profit
http://www.aksalser.com/index.php?page=view_news&id=b13cb744e2dd46380e67bbf652020c18&h=%C7%E1%E3%D5%D1%DD%20%C7%E1%D5%E4%C7%DA%ED&ar=385749500
2011.05.31
Tuesday - May 31 - 2011 - 9:43:00

And directed the Prime Minister's letter to the Federation of Syrian Chambers of Industry For A proposals industrialists to overcome the difficulties encountered in the development of their industries and increase the competitiveness of their products, saying that the Minister of Finance informing the formation of committees related to examining the reduction of customs duties on raw materials, and review of manual adjustments to customs violations, and review fee to the mortgage banking and collateral re-drawing of consumer spending in order to serve the objectives of economic and social development and reduce the prices of consumer goods and food to complete its mission of these committees during the month from the date of its formation.

And the prime minister said it was the request to the Director General of Industrial Bank to prepare a draft statutory instrument includes a rescheduling of debts to the brothers with the industrial exemption of the benefits (interest payment) of them should not exceed a period of five years on the Schedule provided that commitment and provide the necessary guarantees.

There is also a study of modified contract law 51 for 2004, and is currently considered the most important tax legislation and Act No. 24 of 2003 and its amendments to the Income Tax Act No. 25 of 2003 on tax queries and all laws relating to taxes on income for the holders on the basis of real profits or income harvested to achieve the desired objectives in the area of ​​taxation and is justice in the assignment, and adaptive to the estimated charge for access to achieve the basic functions for taxes in the financial area and the Economic and Social Council and the reconciliation of income taxes and taxes on consumption to achieve the goals of economic development and increase investments do not lead to exhaustion charged to tax and take into account the social dimension to it.

The prime minister confirmed that he is currently preparing a study Tab budget items for the State, whether in the field of income or expenditure and to special taxes.

She spoke about a resolution to exempt importers of Industrialists for the raw materials of an advance payment on the tax The raw materials needed for industry, which is to import dealers for sale to manufacturers and craftsmen, we cannot dispense with the advance because the advance to the base belonging to profit merchant importer and can not be reversed on the cost of imported raw material that is sold to the owners of small and medium industries.

The committee will be formed for the preparation of operational instructions for law Lease financing and leasing ending with ownership.

And showed the prime minister that he can not be granted industrial enterprises in the establishment stage, tax exemptions of five to ten because the tax in the parent can only be achieved after the initiation period and immediately established with the actual production and the presence of sales since the initiation period varies from one facility to another.

And saw the Prime Minister that the granting of industrial and private institutions, small and medium loans without interest for 24 months according to the proposed scale of the room where increasing the amount of loans with an increasing number of workers on the job, requires funding for at least 50 billion pounds at the level of the country as well as to the lack of guarantees as the number of facilities currently more than 200 thousand establishments and do not allow the liquidity available to the Industrial Bank to implement that because sources of funding in the bank and the rest of the other banks rely largely on the deposits of citizens and that this demand leads to a bank the burden of annual interest of not less than 5% of the value of these loans and can not balance the state must bear the burden, knowing that the reduction of customs duties on raw materials imported by manufacturers to add support to carry the energy which is now under study will help manufacturers to address their current special.

B The figure for industrial demand reduction of income tax on profits for companies contributing to 10% cannot approve this request - reported as prime minister - as the tax rates on companies to contribute to public and private (closed) in Syria is very modest and range from rates in neighboring countries, between 20 and 30% note that the companies are big holders and taxes are generated by the most important resource is the income tax in Syria and reduced more than it is now will lead to lower fiscal resources.

And the book procedures and the Ministry of Labour in the facilities for industrial and postpone the sale of projects in the auction implications receivables finance to the Social Insurance Institution, and the formation of a committee of specialists and technicians task is to study the insurance law and develop the necessary proposals for amendments, consistent with the requirements of the labor market. B Added to provide some facilities to the ratio for the license terms for private employment agencies have been luck to reduce the bail amount of cash required to be submitted by the applicant for a license to be granted.

And also to provide facilities on the mechanisms relating to regulate the recruitment of experts and the Syrians continue to work on amendments to the law of associations according to the mechanism of action of new powers granted associations to achieve the objectives which it was created.



Industrial Bank ends of the preparation of a draft decree for the scheduling and industrial loans exempted from fines for delays in five years
http://www.aksalser.com/index.php?page=view_news&id=d1b08a882421e5d3631832c8264dc803&h=%C7%E1%E3%D5%D1%DD%20%C7%E1%D5%E4%C7%DA%ED&ar=659695541
2011.06.05
Sunday - June 5 --2,011 - 8:22:22

Ended the Industrial Bank has prepared a draft decree that exempt industrial obtaining loans from the Industrial Bank and other banks and commercial real estate and credit and savings of fines, and the benefits (interest payment) of delay, and scheduling within five years, with a condition the obligation to pay premiums and check guarantees, and been submitted to the Minister of Finance, to be submitted to the Presidency of the Council of Ministers for adoption.

And Dr. "Anis al-Maaraawi" Director General of Industrial Bank that the decree would include most of the industrialists who obtained the loans, long and short-term or developmental, and range in number between 4000 and 5000 industrialists, facilities have received, and failed to pay more than two installments, pointing out that the Scheduling means the disclosure installment after the new exemptions to be proposed for payment, or schedule to the benefit (interest payment) of contract, with an exemption from the full benefits (interest payment) of its debt to the bank.

And draw "al-Maaraawi" that the proposed ordinance in light of stalled industrialists, and the lack of liquidity, serve them is to stop the legal proceedings, especially those who arrived to the stage of selling them and warning the public and other procedures and take comfort from legal process, and gives them deadline for payment to help them ease the pressure on them by the bank, in addition to the liquidity that had not previously paid for the bank could be allocated for payment of wages in arrears in the number of installations.

"It is anticipated al-Maaraawi" to see some of the losses the bank as a result of adjustments which will be conducted later, after the decree, note that the bank was able to exceed 50% of the volume of production planned in the plan for this year and $ 8 billion pounds in the form of cash loans.

And noted "al-Maaraawi" that the bank can enter into financial institutions through the purchase of shares, but put the bank at this time does not allow, and especially that offers the share is not meaningful to share it.

With regard to the profits of the Industrial Bank, between the "al-Maaraawi" that the bank was able to reduce the losses it suffered during the previous five years, especially in 2009, and which reached about 350 million pounds, through the profit achieved by the year 2010 and amounting to one billion and 44 million pounds as a result of some investments, and increase the number of products for the bank by over 35 products.



"Jalilati" issued a circular required public entities to provide the ministry with tables of debt and credit (balance sheet) and intricacies of her financial statement on monthly bases
http://www.aksalser.com/index.php?page=view_news&id=5cc188e72f0129df254b9e2ff049d743&h=%E3%CF%ED%E6%E4%ED%C9&ar=917331329
Monday - June 6 --2,011 - 8:32:10
http://www.sana.sy/ara/4/2011/06/06/350881.htm

Issued by the Minister of Finance Dr. Mohammad Al-Jalilati to all public authorities about the entanglements of Finance and the circular that he and the interest of the Ministry of Finance to follow up on the subject of entanglements financial relations between all the public authorities and knowledge of debt and credit (balance sheet) each public body on monthly bases for study and find solutions necessary.

And committed the dissemination of the Ministry of Finance public entities to provide the ministry with tables of debt and credit (balance sheet) among and between public sector entities in addition to the reality of their financial statements as of 31/12/2010 documented records to match the principal with an interest payment, if any, by no later than 30/06/2011.

Also committed the circular public authorities to work to update the tables of debt and credit (balance sheet) referred to in 2011 on monthly bases to include amounts incurred for the benefit of, or implications with reference to the records matching principal updated monthly with an interest payment, if any, and submit to the Ministry of these financial tables periodically within the fifteen days following the month elapsed, that the tables include debt and credit (balance sheet) the following data: name of the debtor or creditor - the origin of debt - the benefits (interest payment, handling charges and fines), if any.

The Minister of Finance issued in the fifteenth of the month of May last circular for the public bodies which he referred to the continuation of financial entanglements between public sector entities and the wealth of negative impact on the financial position and liquidity of those actors.

The minister in circulation that in implementation of the recommendations of the Presidency of the Council of Ministers to the need to reduce these entanglements and dealt with between public sector entities, are tables of debt and credit (balance sheet) detailed between public sector entities of the annexes to the budget and final accounts and, after all financial statements prepared by the general economic to the end of each year.

According to the dissemination of the Minister of Finance is committed to public entities with funds earmarked in the annual budget and when the need for consideration to additions as permitted by the possibilities of the state budget and the promotion of appropriations previously for contract maintenance and liquidation and disbursement and the responsibility of the chief financial or management accountant as the case, that is reported on the Ministry of Finance with tables of debt and credit (balance sheet) between public sector entities during the first month of the end of each quarter starting in 2011 and schedules synthesis of the quarters of the annual very end of the year with a detailed explanation with an explanatory note on the causes of the emergence of entanglements and the reasons for non-payment and other things that useful in taking appropriate action to address these entanglements in the future and what is documented by records of the match between the debt and credit (balance sheet) with an interest payment, if any.

The problem of financial entanglements between public sector entities are still valid and has become something of termination is necessary, especially troubled companies that suffer from high production costs and selling prices to below cost and low productivity rates of implementation of the plans and marketing contributed to the increase in these bad companies.

The Ministry of Finance estimated at the beginning of 2010 the financial entanglements between the public sector and debtors-creditors 507 billion Syrian pounds.

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