| In
spite of the environmental and financial advantages of cleaner production
and statistical evidence showing a positive relationship between
the environment and finance, it is still difficult to secure funds
to invest in cleaner production.
THE PROBLEM:
The greatest obstacle to the diffusion of cleaner production is:
• The lack of resources
• Financial barriers
• A lack of information
• A conservative attitude or a lack of trust
• A shortage of training in the advice given about costs, profits, risk and the accepted standards
• A temporary horizon (few lend in the long term)
• Transaction costs
• Size of projects
BANKS
• They almost never know the methodology behind the evaluation of cleaner production projects and for that reason the projects appear to be risky.
• They almost always receive "supposedly green projects" that are not economically viable.
• They are unable to differentiate between “Environmental Impact Assessment” green projects
• There is a lack of communication between sections.
Company Barriers:
• Lack of information
• Conservative or survival (SMEs) attitude
• Lack of negotiation power
• Shortage of quality and skill in the preparation of proposals and attractive investment
• Lack of guarantees
Understanding
the local Bank
• Why is the international tax rate at a maximum of 6 when locally
it is 20%?
• Why
is the longest period in our countries only 5 years if the medium-term
period in the international financial market is 10 years?
•
What is the national risk and how does it influence the cost?
•
Why does a riskier project have higher interest rates?
•
What is the provision of debt collections? *DUDA: “La provisión
de cobranzas dudosas”
•
Who regulates it and why?
•
Environmental legislation and policies
• Application and respect for the law
•
Price of natural resources and primary materials
• Public funds focused on solutions towards “the light at the end of the tunnel” and not towards cleaner production.
• Limited promotional activity
| The State should promote cleaner production with: |
•
A solid legal framework
• Political stability and TAX SYSTEM
• The adoption of the role of facilitator not executioner
RESULT
• Expensive projects.
• Altas tasa de descuento aplicadas para evaluar
un proyecto.
• Ausencia de valoración de los beneficios ambientales.
• Altos costos de financiamiento.
• Mecanismos de cobranza a los usuarios difíciles de administrar.
• Inestabilidad política e inseguridad legal.
• Limitada voluntad y capacidad de pago de usuarios finales.
• Alto costo tecnológico comparado con el tamaño del proyecto.
• Altos costos de transacción.
• Efecto "Free Rider"
Qué
se necesita
•
Empresarios Presentando proyectos sólidos y RENTABLES que aseguren
el desarrollo sostenible.
•
Banca e instituciones financieras Aprendiendo a canalizar los fondos.
• Estado
Cumpliendo su rol promotor y regulador y creando las condiciones propicias
pare este nuevo mercado.
ESTRATEGIA
•
"Educar" al sector Financiero para que introduzca
mecanismos y esquemas de crédito a medida de la PML a través de:
• Información (beneficios financieros de la PML,...)
• Capacitación (asesoramiento de proyectos en PML)
• Promoción de políticas dedicadas al medio ambiente
•
Difundir Información
• Mejorar la concienciación
• Fortalecer y Capacitar (preparación de propuestas de inversiones
en PML que sean atractivas)
• Promoción de la PML como un medio para mejorar la imagen de la
empresa
• política de la empresa
•
Difundir Información
• Incentivos fiscales
• Exención - taxes sobre importación
• Fondos especiales para la PML
• Apoyo a los "agentes de cambio", (universidades, CPML etc)
• Comprometer más a la Industria, los Medias, etc.
• "Animar" a la Industria y a los Financieros...
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