本日の新聞に、昨年12月27日に自見金融担当大臣の談話として金融庁が発表した「中小企業金融円滑法の一年延長」が掲載されていました。
ここでは、その内容の確認をしながら、該当する債権の行く末を考えてみたいと思います。
今回の発表は、①平成24年3月末日までの現行期限を3か月残して、延長を決めたところに特徴があります。つまり、現在の中小零細企業を取り巻く経営環境の厳しさを前提にしたものと思われるものです。
②貸付条件変更が9割を超えることを評価しつつ、実は貸付条件の再変更等(再延長)という経営改善の根本的な改善になっていないことに言及している。
③金融希佳のコンサルティング機能の一層の発揮と言いながら、「出口戦略」を明確にした。つまり、1年延長の先はないということを明確にしたとも言える。ここは、別の法律案を考えたりするので良く分からないとも言える。
④その出口戦略を「ソフトランディング」と言っているが、責任を金融機関や保証協会に押し付けるように感じる。一説によれば5兆円の不良債権とも言われており、債務者区分を明確にして金融機関に引当させることをどう考えているか疑問が残る。
ともあれ、この中小企業金融円滑法がモラトリアム法と言われるように、企業経営に対して劇薬のように効果があり、企業の存在そのものを左右することに対してもっと注意深くあるべきだったと感じます。やはり、八どうすればやめられない法律だったことに気づくばかりです。
それは、返済金額の条件変更という「リスケジュール」は、資金繰りがラクになるものの、債務超過も解消しないし、自己資本比率も改善しません。赤字は変わらず黒字化しないことは誰も理解できたはずなのです。
つまり、「一年延長後の後をどうするのかを早く考えて欲しい」が、金融庁の本音と言えましょう。それは、借入ある中小企業に対しても、金融機関に対しても同様に向けられた話です。
更に、中小企業の大変お世話になる保証協会の対応も問われてきます。企業は一つであり、プロパー借入の企業と保証協会借入の企業に分類できません。法的破たんの先には、税金による救済という、いつか来た道を再び繰り返すようなことも懸念されます。
いずれにしても生き残ることを賭けた中小企業の経営の本番がやってきたと思います。県としての景気対策の重要性が問われますし、新しい分野での発展を企画したいと思ってなりません。
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