Certificate Examination In SME Finance For Bankers

SYLLABUS:


I. Setting up SME

Evolution, Definition of SMEs, Characteristics, Role in Economic Development., Needs of SMEs Forms of Organisations; Proprietary, Partnership, HUFs, Company etc., Establishing SMEs: Environmental Scanning, Market Assessment, Technology, Selection of Site, etc., - Organisational Structures - Rules & Regulations - Gender & Entrepreneurial Development.

II. SMEs: Policy, Regulatory and Legal Framework

Policy Framework for SMEs- Policy Shifts since 1991 - Regulatory Framework - Laws and Regulations for SMEs- SME Development Bill, 2005 - LLP Act , Changing Policy Framework & SME Strategies

III. Institutional Framework & SME Financing

Institutions - Central Government - SSI Board, SIDO, SISI, PPDCs, RTCs, CFTI, NISIET, NIESBUD, NSIC - State Government: Directorate of Industries, DICs, SFCs, SIDC/SIIC, SSIDC - Financial Institutions & Banks; SIDBI, Commercial Banks, RRBs and Co-op.Banks etc., - Enterprise Perspective - Banker's Perspective.

IV. Financing Options & Modes

Sources of finance and methods of financing SMEs, relevance of quasi capital and own money in business-Venture Capital, Hybrid Capital, special financial products for SMEs, Assessment of Term Finance/ Working Capital for SMEs- Credit Risk Management of SMEs- Appraisal, assessment, collaterals, documentation, inspection, follow-up and monitoring and review, Credit Scoring models, Standing and liquidity assessment ,Credit pricing of SMEs

V. SME Development

Business Development Service Providers- Role & Responsibilities - Improving Competitiveness of SMEs through Enhancing Productivity - Market Promotion and Development - technological Development in SMEs - Environmental Impact Assessment, Modernisation issues (technological and quality upgradation), Role and Functions of Credit Guarantee Trust for small industries (CGTSI)

VI. Clusters and Cluster Development

What are Clusters? - Why Clusters - Types of Clusters - Advantages and Disadvantages - Role of Clusters - Setting up of Clusters - Approaches to Develop Cluster Strategies - Measuring Cluster Development - Critical Success Factors (lending economics to clusters from the angle of bankers and borrowers)- Policy Environment - Successful Clusters ; India and Global.

VII. SME : Rehabilitation

Sickness-symptoms, warning signals, diagnosis and prescriptions, rehabilitation, restructuring, holding on operations, work out, NPA management, recovery options, legal aspects/options, securitization and exit options/alternatives

VIII. Future of SMEs -

Micro Finance Approach to SMEs -Linkages with Agriculture and industry - IT and SMEs - Relationship banking and its impact in SME development -WTO issues, impact on SMEs - BASEL II - globalizationissues, impact, intermediation opportunities and Emerging issues affecting SMEs.