中小企業経営者の皆さんからのご相談で気が付くことがあります。
それは、現在「中小企業金融円滑化法」により、借入金の約定返済額軽減や返済期限の延長等を受けている中小企業に対しての対応です。
つまり、「中小企業金融円滑化法」の再延長された期限「平成25年3月31日」を考慮して、同法適用再建に対する最終的な判断をしようとしているということです。
もっと言えば、同法により条件変更等した債権につき、借入企業が最終的な返済可能かどうかの判断をして、債権整理に向かうかどうかの審査を開始したと思われます。
元銀行員の私の一面の立場から言えば、「将来おいて完済に至らない借入は、早めに整理すべき」と言うものもあり、一方で「景況は、いまだに上昇せず中小企業の収益改善は難しい。経済対策の責任は政府にある」とも強く考えられます。
同法の現状は、平成24年3月末現在で申込件数3.5百万件、93兆円、中小企業貸出残高ベースの申請企業数150万社(全体の36%)経営改善計画書策定企業:30%、簡易計画書のみ:50%、未策定:20%(銀行担当者聞き取りによる)と言われています。
金融機関にとっても、同法適用企業に対する対応は、ある意味後ろ向き業務とも捉えられ、新規開拓等への注力を削いでいるとの解釈もあるようです。確かに、再建計画の策定や進捗状況の精査等は大変な負担であったと覚えています。
また、金融庁も初めて「事業の継続可能性が見込まれない債務者」と言及して、同法継続が本当に債務者にとって良い事なのか、徒に債務者の生活再建に悪影響がないのかとの迷いもあるようです。
しかしながら、同法の役割は、「まだまだあるのではないか」と思えてなりません。
今日ご相談した経営者は、これ以上返済に追われたくないと資産の処分と返済を念頭に話されていました。この決断は、現在住む自宅を失うということです。本当に重い決断です。私は、安易な同意をためらわずにいられません。
選択と決断は、経営者の責任ある判断です。そして、貸出金融機関との真摯に向き合う相談する姿勢が大事だと考えます。
ともあれ、政府は、早急に「中小企業金融円滑化法」の再延長について、今後の可否を明確にすべきです。そして、金融機関に対して、同法執行後の債権に対する対応方針を示すべきだと考えます。
放置すれば、中小企業金融の大きな波にによるモラルハザードや連鎖的な倒産等も懸念されます。政府は、国会は、新たな処方箋を示すべきと考えます。
以下、最終期限延長時のパンフレットを掲載します。24/4/20公表のものです
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