towards traditional and smokestack industries: mining, food processing, pipelines, rubber and such. Not an entrepreneur in sight. And the EBRD's meagre loan-loss provisions and reserves cast serious doubts regarding the mental state of both its directors and its auditors. To varying degrees, these two countries are typical. Development banks, like industrial policy, import substitution and poverty reduction, have gone in and out of multilateral fashion several times in the last few decades. But there is a consensus regarding some minimum aims of such bureaucracy-laden establishments - and the EBRD achieves none. It does not encourage entrepreneurship. It does not improve corporate governance. It does not enhance property rights. It does not allocate economic resources efficiently. It competes directly with other - more desirable - financing alternatives. It is not equipped to monitor its vast and inert portfolio. By implication it collaborates in graft, tax evasion and worse. It is a waste of scarce resources badly needed elsewhere. It should be administered a coup de grace. And its marbled abode - so out of touch with the realities of its clients and its balance sheet - should be sold to someone more up to the task. A bank, for instance. POST SCRIPTUM - Comments Made to "The Banker" - February 2002 This article was written afew years ago. I would not have written the same article today. The EBRD used to be pretty monolithic in its four orientations: pro-state companies, pro-big business (or mega projects), pro-governmental projects, and pro-commodities (mostly energy products). It is now more open to SME financing - and not only as lip service. Instead of colluding with venal, inefficient, crony-ridden, and decrepit local banking systems - it has taken over them in partnership with foreign investors. It has a more tangible in-field operating presence. Its assets are more balanced (in maturity structures, single lender exposures, collateral portfolios, etc.). It is more innovative and creative in its collaboration with the private sector, offering a varied range of vehicles. In short: it is becoming more community orientated and less "commercially" conservative. It begins to fulfill its original charter of filling the gap between IFI's and micro-lending. It is still hobbled by overweening political interventionism - but that is to be expected in a regional development bank (see the ADB, IADB, and so on). Title: The Fundamentals of a Credit Card Word Count:
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Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Sandro Aquino Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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