Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland

培训项目概述

Micro, small, and medium-sized enterprises form the backbone of Pacific island economies, yet access to debt capital remains heavily constrained. This four-day training programme in Auckland equips participants with the analytical and technical competencies required to design, implement, and monitor credit guarantee schemes. Attendees examine the fundamental economics of partial credit guarantees, capital preservation mandates, and the governance arrangements necessary to establish credible, sustainable risk-sharing interventions that mobilise private commercial bank capital for underserved enterprise segments.

The curriculum addresses the operational disconnect between financial institutions and smaller enterprises. Participants review international good practices for setting eligibility criteria, designing portfolio versus individual guarantee mechanisms, and structuring pricing schedules that avoid market distortion. Through detailed technical sessions, attendees evaluate legal frameworks, prudential regulations, and claim-settlement procedures. The course directly references the World Bank and FIRST Initiative Principles for Public Credit Guarantee Schemes to ensure public resources catalyse private lending responsibly.

Delegates translate theoretical risk-sharing concepts into executable institutional structures suited for small island contexts. The programme analyses credit scoring adaptations, risk-weighted asset treatments under Basel frameworks, and methods to mitigate moral hazard among participating financial institutions. By working through realistic design challenges, participants establish risk assessment frameworks that give commercial lenders confidence to expand tenure, lower collateral demands, and broaden credit facilities for viable micro, small, and medium enterprises.

Public financial institutions across the Pacific are intensifying efforts to strengthen financial sector depth and build economic resilience against systemic shocks. The technical mechanisms covered in this programme directly support the enterprise access to credit objectives pursued under initiatives such as the Samoa Finance Sector Resilience and Development Project. Delivering well-structured risk-sharing mechanisms is now imperative to encourage commercial banks to lend beyond their traditional asset-backed comfort zones, unlocking domestic liquidity for productive enterprises without compromising sovereign fiscal stability.

Delivered by Risalat Consultants International in Auckland, New Zealand, it combines expert-led sessions, real cases and group work, so that participants can apply what they learn in their own institution.

The Programme Strengthens Institutional Capability

• Economic rationale for risk-sharing facilities in small island economies and developing markets
• Review of the World Bank and FIRST Initiative Principles for Public Credit Guarantee Schemes
• Legal forms, corporate governance models, and institutional autonomy for guarantee funds
• Funding sources, initial capitalisation strategies, and sovereign contingent liability management
• Stakeholder roles: Central banks, development agencies, and participating financial intermediaries
• Portfolio versus individual transaction guarantee models: Comparative efficiency and resource requirements
• Defining target sectors: MSME qualifying criteria, exclusions, and priority growth sectors
• Determining risk coverage ratios and maximum exposure limits per enterprise and lender
• 预算编制与执行
• 财务报告与会计准则
• 现金与国库管理
• 对付款和资产的内部控制

It is designed for financial sector development officers from ministries of finance and economic development, treasury economists and debt management specialists overseeing contingent liabilities, credit guarantee facility managers and technical operational staff and others who want practical, current skills in public financial management and finance.

The Growing Importance of Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland

健全的财务管理是预算可信、付款及时和审计无保留意见的基础。政府和出资方期望准确的报告、严格的预算执行以及透明的资金使用。

报告准则、数字支付系统和出资方要求的变化，意味着财务团队必须不断更新技能。健全的财务管理还能为真正重要的服务腾出时间和资金。

各机构日益需要具备以下能力的专业人员：

• 按照计划编制和执行预算
• 编制准确、及时的财务报告
• 对付款和资产实施控制
• 满足出资方的财务管理要求
• 利用财务信息支持决策

健全的公共财政管理与财务体系有助于机构：

• 提高预算的可信度和执行力
• 编制可靠的报告，实现无保留审计意见
• 减少付款延误和差错
• 与出资方和监督机构建立信任

This Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland programme brings these elements together in a practical format, so that participants understand not only what good practice looks like but also how to introduce it in their own setting, with the people and resources they have.

Who Should Attend This Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training?

本培训项目适合：

• Financial sector development officers from ministries of finance and economic development
• Treasury economists and debt management specialists overseeing contingent liabilities
• Credit guarantee facility managers and technical operational staff
• SME finance specialists working within public development finance institutions
• Central bank banking supervision and financial inclusion policy specialists
• Commercial bank credit officers managing SME and business banking portfolios
• Project implementation unit managers from donor-financed financial development programmes
• Enterprise development agency executives responsible for business support schemes
• 财务经理与会计人员
• 预算官员与分析师
• 国库与现金管理人员
• 项目实施单位财务管理专员

本培训项目既适合经验丰富的专业人员，也适合刚承担新职责的人员。我们鼓励来自不同机构和国家的学员组成混合小组，因为学员能从彼此的经验中获益良多。

Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training Objectives

Upon successful completion of this Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training, participants will be able to:

• Evaluate structural mechanisms and operating models for public and mixed-capital partial credit guarantees
• Formulate transparent eligibility criteria and risk-sharing ratios for SME loan portfolios
• Structure guarantee fee schedules and pricing models that safeguard scheme financial additionality and sustainability
• Design robust risk assessment and underwriting procedures that mitigate adverse selection and moral hazard
• Align guarantee scheme reporting and regulatory capital treatments with international prudential standards
• Establish efficient, audit-compliant claim verification, settlement, and default recovery workflows
• Develop performance monitoring frameworks using the World Bank Principles for Public Credit Guarantee Schemes
• Trigger events for claims: Default definitions, curing periods, and formal call procedures
• Verification workflows, claim settlement timeliness, and dispute resolution mechanisms
• Post-claim asset recovery, litigation management, and proceeds-sharing between scheme and lender

每项目标都会在培训期间通过练习、案例或小组作业加以实践，使学员结业时不仅能够描述，更能够实际运用。

培训项目内容与结构

Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training Methodology

The training employs a practitioner-led format combining technical lectures, institutional policy reviews, and collaborative problem-solving exercises. Participants evaluate practical design challenges drawn from Pacific and international finance initiatives, using structured spreadsheet models to test financial viability and stress-test guarantee fund capital. Group workshops require delegates to draft operational policy notes, risk frameworks, and eligibility guidelines, followed by peer review and moderated technical critiques against global standards.

本培训项目融合了：

• 专家主讲当前实践
• 区域及国际案例研究
• 小组作业与实践练习
• 视情况安排模拟演练与角色扮演
• 探讨学员自身面临的挑战
• 跨机构、跨国家的同伴学习
• 可带回工作岗位的实用工具与模板
• 每日反思与行动规划

培训开始前，简短的课前评估可帮助讲师了解每位学员的岗位职责和重点关注事项，以便根据学员群体调整案例和练习。每天结束时安排简短的反思环节，学员记录下将在工作中应用的内容。

预期成果

Upon completion of this Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training, participants will be able to:

• Deliver fully articulated operational guidelines for a partial credit guarantee facility
• Calculate sustainable guarantee fee structures balancing cost recovery against financial additionality
• Define clear MSME eligibility matrices and streamlined documentation requirements for partner lenders
• Apply prudential standards for risk-weighted capital relief on guaranteed credit exposures
• Draft comprehensive claim verification, audit, and recovery protocols that minimise processing delays
• Establish monitoring and evaluation frameworks to measure enterprise lending expansion and economic impact
• 编制并监控与计划挂钩的预算
• 编制准确的财务报告

学员结业时将获得个人行动计划和实用工具，回到工作岗位的第一周即可在机构中应用。派出多名学员的机构可借助本培训项目，在各团队之间统一方法和模板，使改进成果更易持续。

Institutional Application of Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training

本培训项目帮助机构加强：

• 预算编制与执行
• 财务报告
• 付款与现金控制
• 捐助方资金财务管理
• 审计准备

学员将带着实用工具回到工作岗位，以提升：

• 预算监控
• 中期财务报告
• 对账
• 资产管理
• 审计跟进

本培训项目的设计旨在让学习成果从课堂延伸至机构。学员尽可能围绕自身的流程和文件开展练习，并在结业时带走一份可供其主管审阅和支持的行动计划。

区域相关性与应用

欧洲

欧洲机构在详尽的监管框架和改革议程下开展公共财政管理与财务工作。来自欧洲的学员可以将自身实践与其他地区的同行进行比较，并检验成熟方法在不同条件下的适用性。

非洲

在整个非洲，从事公共财政管理与财务工作的政府部委、机构和项目团队，越来越多地与捐助方资助的项目协同运作，而这些项目要求有清晰的制度和证据。本培训项目帮助学员将良好实践与其所在机构及可用资源相结合。

中东

在中东，国家发展战略和多元化计划对公共财政管理与财务提出了越来越高的要求。学员将探讨如何在公共机构和企业内部建立实现这些计划所需的能力。

亚洲

亚洲各国的机构在快速发展的同时，推进着雄心勃勃的现代化计划。来自亚洲的学员可以分享快速扩展系统的经验，并借鉴其他地区的做法。

太平洋地区

小岛屿国家和太平洋国家在规模、距离和能力方面面临特殊制约。本培训项目重点介绍适合小型机构、务实且适度的公共财政管理与财务方法。

Holding the programme in Auckland, New Zealand brings participants together away from their daily pressures, so they can compare how public financial management and finance is handled in different settings. The same programme can also be delivered in-house for one institution, in its own country or online, with cases taken from its current work.

东道国概况：新西兰

Risalat Consultants International runs open-enrolment training programmes in Auckland, New Zealand for officials, project teams and professionals from across the region. Dates, fees and what each programme covers are listed above, and any programme can also be delivered in-house for your institution.

在本国以外学习，可让学员专心投入，以全新视角审视本机构，并有机会与其他国家的同行建立人脉网络。

Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training Deliverables

学员在培训前、培训中及培训后均可获得支持，使准备、学习与跟进形成连贯完整的体验。

培训开始前

• 学员课前评估
• Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Readiness Assessment
• Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Resource Pack
• 课前阅读资料
• 免费签证支持与咨询

培训期间

• 机场接机与欢迎协助
• 住宿（含早餐）
• 欢迎交流晚宴
• Risalat培训礼包（背包、水瓶、马克杯、T恤、帽子、护照套、笔、笔记本、冰箱贴及钥匙扣）
• Comprehensive Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland Training Manual
• 预算监控模板
• 中期财务报告模板
• 对账检查清单
• 审计准备检查清单
• 实践研讨与模拟演练
• 小组讨论与同伴学习
• 每日午餐与茶歇
• 全面使用培训场地设施
• 装有数字学习资料的迷你平板电脑
• 实地考察（如适用）
• 城市休闲观光

培训结束后

• 结业证书
• Risalat培训项目参与表彰奖
• 培训后参考资料
• 财务管理自我评估
• 付款控制检查清单
• 培训后支持与跟进指导
• 培训项目报告

各机构也可申请本培训项目的定制内训版本，在其办公场所或在线举办。索取方案建议书。

Common Challenges in Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland, And How This Training Helps

机构如何按照计划编制和执行预算？

The programme addresses this directly on the first day (Day 1: Credit Guarantee Fundamentals, Governance, and Legal Structures), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

机构如何编制准确、及时的财务报告？

The programme addresses this directly on the second day (Day 2: Scheme Design, Eligibility Rules, and Operational Modalities), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

机构如何对付款和资产实施控制？

The programme addresses this directly on the third day (Day 3: Credit Risk Assessment, Prudential Regulation, and Underwriting), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

机构如何满足出资方的财务管理要求？

The programme addresses this directly on the fourth day (Day 4: Claims Processing, Default Recovery, and Impact Monitoring), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

机构如何利用财务信息支持决策？

The programme addresses this directly on the first day (Day 1: Credit Guarantee Fundamentals, Governance, and Legal Structures), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

常见问题

When and where does the Credit Guarantee Scheme Design and MSME Finance Expansion in Auckland programme take place?

It runs from 19 Jul 2027 to 22 Jul 2027, in Auckland, New Zealand. The registration deadline is shown at the top of this page.

谁应参加？

The programme is designed for financial sector development officers from ministries of finance and economic development, treasury economists and debt management specialists overseeing contingent liabilities, credit guarantee facility managers and technical operational staff, SME finance specialists working within public development finance institutions, and others who want practical skills in public financial management and finance.

我能获得证书吗？

能。完成本培训项目的学员将获得Risalat Consultants International颁发的结业证书。

本培训项目能否仅为我们机构单独举办？

可以。我们可以在贵机构所在地、其他城市或在线提供量身定制的内训版本，并围绕贵机构自身的案例设计内容。请使用本页面的方案建议书申请表。

我是否需要具备公共财政管理和财务方面的经验？

除具备相关岗位经验外，无需其他专业背景。简短的课前评估可帮助讲师根据学员群体调整课程。

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