TAILIEUCHUNG - HELPING SMALL BUSINESS START, GROW AND SUCCEED: Q&A for Small Business Owners

As a continuation of the Bachelor’s degree, the Master’s programme offers a specialisation in a particular area of academic expertise while adopting an applied approach. Master’s programmes thus are strongly focused on develop- ing analytical skills among students, thereby providing them with career pros- pects in middle and upper management. Many Master’s programmes are designed as a work-study option that permits participants to benefit from immediate knowledge transfer and to continue their professional development without interruption. Thanks to the Bologna reforms, consecutive Master’s degrees are internationally recognised and open up career options for gradu- ates outside of Switzerland as well. . | SBA 2009 RECOVER . Small Business Administration I Helping small Business start Grow and Succeed Q A for Small Business Owners What did the Obama Administration announce today The Treasury Department will commit up to 15 billion to help unlock the secondary markets for small business loans. By purchasing these securities the Treasury Department will facilitate the ability of lenders to make new loans to small businesses by providing confidence that there will be a ready buyer for those loans in the secondary market. In addition the Small Business Administration is immediately implementing two key provisions of the Recovery Act - temporarily eliminating certain loan fees and raising guarantee levels on some of its loans. These steps will provide lenders with the security they need to start lending again to the millions of small business owners desperately in need of capital. Finally the Treasury Department issued a call for new reporting requirements designed to better track small business lending by banks and unveiled guidance from the IRS for an expanded carryback provision that will offer many small businesses a tax refund. Why will purchasing securities on the secondary market help small business owners Under normal circumstances many banks sell a portion of their loans to companies that pool them together and sell them as securities to investors. This provides banks with new capital that they can use to make additional loans. The result is that the secondary markets significantly increase the amount of lending banks can do to small businesses. Over the past year however the secondary markets for 7 a and first lien 504 securities have ground to a virtual halt. The institutions that securitize these loans have been unable to find buyers for the securities they have already packaged. This has in turn reduced their willingness to purchase new loans from banks. Since banks depend on the secondary markets for liquidity they have increasingly become reluctant to .

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