SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca

培训项目概述

Small and medium-sized enterprises underpin economic growth across developing markets yet frequently encounter substantial obstacles when attempting to access formal debt and export financing. This four-day intensive programme in Casablanca equips practitioners with the technical competencies required to establish, operate, and supervise sustainable credit enhancement interventions. Participants examine the operational mechanics of partial credit guarantee schemes, explore counter-guarantee structures, and assess practical risk-sharing models designed to crowd commercial bank liquidity into underserved market segments, particularly for high-potential trading enterprises.

The curriculum addresses the practical complexities of credit underwriting, eligibility screening, and operational due diligence for private enterprise portfolios. Delegates scrutinise conventional and structured trade finance facilities, including documentary letters of credit, pre-shipment export finance, and receivables discounting mechanisms. Through practical case studies and regulatory benchmarking, the course explores institutional governance frameworks, asset recovery systems, and capital preservation strategies aligned with international prudential standards, enabling institutions to mitigate systemic credit risks whilst maintaining operational viability across volatile commercial lending environments.

Delivered through a structured lens tailored for public institutions and donor-funded project delivery units, the programme provides direct methodologies for managing national credit guarantee schemes. Attendees practice designing portfolio allocation caps, pricing guarantee fees against actuarial default projections, and implementing monitoring systems for non-performing exposures. By bridging policy intent with transactional realities, the training ensures implementing teams can deploy risk-mitigation instruments that catalyse private capital, satisfy rigorous donor audit benchmarks, and sustainably expand domestic lending capacity.

Financial sector authorities and project implementation units are currently operationalising national credit support mechanisms and trade finance facilities under the 40 million dollar trade programme. Implementing teams require immediate, operational capability to structure viable risk-sharing facilities, establish transparent guarantee claims procedures, and align commercial banking incentives with national enterprise support objectives. Without robust technical underwriting criteria, capital adequacy safeguards, and export financing architecture in place, these public interventions risk either excessive default rates or insufficient uptake by commercial lending partners.

Delivered by Risalat Consultants International in Casablanca, Morocco, 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

• Typologies of credit guarantee schemes: individual, portfolio, and hybrid operational models
• Assessing international guarantee principles and prudential guidelines for non-bank financial intermediaries
• Designing optimal risk-sharing ratios, coverage caps, and commercial bank counterparty criteria
• Fee structures, administrative cost recovery, and capital preservation calculations for guarantee funds
• Governance structures, operational independence, and conflict-of-interest mitigation in state-backed schemes
• Evaluating commercial bank credit assessment practices and credit scoring models for small enterprises
• Establishing rigorous enterprise eligibility criteria, exclusion lists, and environmental and social safeguards
• Cash flow modelling, collateral alternatives, and debt service capacity evaluation under high market volatility
• 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 regulators and central bank supervisors overseeing credit market facilities, credit guarantee fund managers, operational heads, and investment committee members, enterprise development officers from national ministries of commerce and industry and others who want practical, current skills in public financial management and finance.

The Growing Importance of SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca

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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training?

本培训项目适合：

• Financial sector regulators and central bank supervisors overseeing credit market facilities
• Credit guarantee fund managers, operational heads, and investment committee members
• Enterprise development officers from national ministries of commerce and industry
• Project implementation unit directors managing donor-funded financial intermediary loans
• Commercial bank SME credit heads, risk analysts, and trade finance relationship managers
• Development finance institution officers structuring private sector guarantee windows
• Export promotion agency executives coordinating export credit and insurance mechanisms
• Treasury, risk management, and compliance officers within national development funds
• Monitoring and evaluation specialists tracking financial sector access indicators
• 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

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。

SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training Objectives

Upon successful completion of this SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training, participants will be able to:

• Evaluate international risk-sharing frameworks and partial credit guarantee structures to identify appropriate models for domestic financial markets
• Apply rigorous credit underwriting criteria and SME eligibility screening methodologies to protect guarantee capital against systemic default
• Structure trade finance facilities, factoring mechanisms, and pre-shipment export credit products for growth-oriented enterprises
• Formulate equitable fee-pricing models and risk-sharing ratios that align commercial lender incentives with public policy mandates
• Establish sound claim verification, dispute resolution, and asset recovery protocols aligned with international recovery standards
• Design comprehensive pipeline monitoring frameworks and portfolio risk management dashboards to track non-performing facility thresholds
• Benchmark national guarantee governance practices against Basel Core Principles for Effective Banking Supervision and multilateral reporting requirements
• Constructing early warning indicators, default triggers, and portfolio quality monitoring dashboards
• Standardising claim submission, verification, and payment workflows to preserve lender confidence
• Default management, subrogation rights, collateral liquidation, and legal recovery frameworks

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

SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training Methodology

The training employs an applied, transactional methodology tailored for public sector and development professionals. Learning is driven through comparative analysis of real-world guarantee fund statutes, diagnostic group exercises, and technical simulations where participants structure term sheets for partial credit guarantees and trade facilities. Practical syndicate sessions allow delegates to stress-test underwriting decisions, model claim settlement workflows, and draft monitoring frameworks using established international benchmarks, ensuring immediate transferability to project delivery units and regulatory bodies.

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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training, participants will be able to:

• Ability to design and implement legally sound partial credit guarantee facilities suited to target SME sectors
• Competence in evaluating commercial bank underwriting processes to minimise adverse selection and moral hazard
• Capacity to deploy structured trade finance and receivables discounting solutions to expand export capacity
• Clear procedures for managing guarantee claim settlements, asset recoveries, and subrogation enforcement
• Enhanced institutional skills to establish portfolio monitoring systems and early warning credit dashboards
• Readiness to meet compliance, financial reporting, and audit obligations under multilateral donor finance operations
• 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 Casablanca, Morocco 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：摩洛哥

Training programmes and study tours in Casablanca suit government officials, project teams and professionals focusing on international trade, maritime transport, banking and regional economic development.

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。

SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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
• SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Readiness Assessment
• SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca, 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 (Institutional Architecture and Risk-Sharing Mechanisms of Credit Guarantee Schemes), 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 (SME Underwriting, Credit Due Diligence, and Counterparty Assessment), 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 (Structuring Trade Finance Instruments and Export Guarantee Facilities), 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 (Portfolio Monitoring, Claim Management, Asset Recovery, and Scheme Evaluation), 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 (Institutional Architecture and Risk-Sharing Mechanisms of Credit Guarantee Schemes), 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca programme take place?

It runs from 21 Jun 2027 to 24 Jun 2027, in Casablanca, Morocco. The registration deadline is shown at the top of this page.

谁应参加？

The programme is designed for financial sector regulators and central bank supervisors overseeing credit market facilities, credit guarantee fund managers, operational heads, and investment committee members, enterprise development officers from national ministries of commerce and industry, project implementation unit directors managing donor-funded financial intermediary loans, 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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