Start Up Kit
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(.. ) PRAXIS, ( INTERREG IIIC) : : , , , , Gian Andrea Garancini2007,
1 PRAXIS1.1 PRAXIS 1.2. PRAXIS2 4 4 6 8
2 M.E.S.U.R.A.2.1 2.2 2.3 2.4
88 8 9 11 11 12 14 14 14 14 16 16 16 21 21 22 25 26 26 26 27 29 31 33 33 34 38 40
3 3.1 3.2
4 4.1 4.2 4.3
5 5.1 5.2
6 6.1 6.2 6.3
7 7.1 7.2 7.3 (leasing) 7.4 (Venture Capital) 7.5 (factoring) 7.6 7.7 & 7.8 & 7.9.
8 9 10
50 51 56 69
2
3
O
. . . , , , , . , .
. ; : , , . , , , .
. ; , .
4
PRAXIS
1
1.1 PRAXIS 2001 Essex . 2004 INTERREG IIIC. 1894100 3 . 15 11 . , , , , , , , . PRAXIS URL: http://www.praxisnetwork.net
PRAXIS . 1.1. .
5
1. 1 PRAXIS
East of England Development Agency Business Link of Essex Writtle College Province of East Flanders Province of West Flanders Instituto Tecnologico Aragon Picardy Regional Council Province of Mantova Province of South Holland Opolskie Voivodeship Arad County Council Pomerannian Assoc. of Rural Communities
East of England Essex Essex Flanders Flanders Aragon Picardy Lombardy South Holland Opole Arad
6
1.2 PRAXIS PRAXIS, 4 . : . ( , ) : . Bern Paret, e-mail: [email protected] . ( , ) : . Rosana Monton, e-mail: [email protected] . ( , . ) : . Dan Gascoyne, e-mail : [email protected] . - ( , ) : . e-mail: [email protected] 1.2.1. . () .
1.2.3. (I DARE) I DARE ESSEX . 25 - . 1.2.2. (VICOR) VICOR () . VICOR : - - - . , () (www.ita.es) :
VICOR, : www.ita.es/praxis/web/splash.html
7
1.2.4. (MESURA) M.E.S.U.R.A. (MicroEnterprise Start-Up in Rural Areas) , . Leader II Leader + . , . MESURA : . . , . . . . . . / . . . .
8
MESURA2.1. M.E.S.U.R.A. (Micro-Enterprise Start-Up in Rural Areas) 4 PRAXIS, . - . Leader II Leader + . MESURA , . . , . , 3 : .
2
, -
2.2. , , . , , , : 2.3. , , :
9
, - . 30 , : 1. 2. 3. 4. , . 5. : 6. : 4 2006 2007, ( ), (), 60 . 2.4. , , . . .
10
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4.3.3. (...)
, . , , leasing, venture capital, .. . 18000 1/1/2002, , 2,5 % . , . . . : , 30 . . 50 % 50 % . , ( ) 4.3.4. (..) / . , . 1/1/2002 60000 , ,
16
2,5 % . 4.3.5. , : 4.3.5.1. , . ( ) , . 4.3.5.3. . 4.3.5.4. () & () . 4.3.5.5. , . 4.3.5.2.
17
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. 20
9
, , . : . (. 2239/94). . : http://www.gge.gr/4/organ.asp?191 (C mark). (, 313, 11145 , . 2102120100). : www.elot.gr . (, www.obi.gr) (, http://www.yppo.gr/1/g1540.jsp?obj_id=81) , . , (), (), .. , , . - . . 21
. ( : / , -, , .).
6
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22
6.2 : 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. () & , /
1. 2. 3. 4. 5 5. 2-3 ( 5) . , 60 % . , .
6.2.1. , , 1 2 , : 1. ( ) 2. 3. 4. 5. .
6.2.3. , , . : 1. 2. 3. / 4. 5.
6.2.2. , (, venture capital ). , :
6.2.4. , , . :
23
. . . . , . . . ;-, , , , . , .
6.2.7. , . . 4 , : . . , . . , . , . . . . , . , . . , . 24
6.2.5. , . : . . .
6.2.6. , , , . , , , .
. , (, , , , ), (e-mail, sms, web site). , , .
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25
26
7
7.1 , , . , . . . , , . . ( ), , . , . , () .
7.2 , 30 . 7.2.1 . , . , () (-). . 7.2.1.1 . , , . 1. . 50 % . 2.
27
3. . (leasing). 4. , , . 75 % . 7.2.1.2 , . 1. . , , , . 2. . . , . 3.
. , , ,
7.2.2 , , (leasing), (venture capital) factoring.
7.3. (leasing) leasing 1986 (.1665/86) 10 . leasing, , , . , , () . , . , , . leasing , leasing, .
28
leasing : leasing . . . , leasing. leasing . . leasing (, , , ) .
leasing:
leasing , :
1. Leasing:
23, . 2103298911, 210 3894400 http://www.atebank.gr/ATEbank/Companies/ Leasing/
Leasing
2. ALPHA Leasing
Leasing
ALPHA BANK 6 , 105 57 .: 210 33 67 900 FAX: 210 33 67 969, 210 33 67 911 e-mail: [email protected] www.alphaleasing.gr 3. Leasing . 128-132 & 10442 . : 2105158060-3 www.ethnolease.gr 4. EMPORIKI Leasing www.emporiki.gr 5. EUROBANK ERGASIAS Leasing AE Eurobank EFG 40-44, 105 61, : 210 371 0800 http://www.eurobank.gr/online/home/generic. aspx?id=186&mid=580&lang=gr 6. MARFIN EGNATIA Leasing Marfin Egnatia Bank. . 24 & , 11742 .: 210 9003400 FAX: 210 9003401 : 26-28, , .: 2810390601 http://www.marfinegnatiabank.gr/MarfinEgnati a/Gr/Docs/Epixeiriseis/Leasing/Leasing.aspx 7. Leasing .: 801802803804, 2103288000 http://www.piraeusleasing.gr
leasing
leasing
Sale and lease back
Leasing
29
8. Leasing .: 800.00.800 e-mail: [email protected] http://www.bankofcyprus.gr/main.asp?id=2967
http://www.aspisbank.gr/article/greek/84/ 101/index.htm
9. ASPIS BANK Leasing .: 801 11 49 000
7.4. (Venture Capital) 7.4.1. , . 80, 1775/88. (www.hvca.gr), ( ) ( ). venture capital . , venture capital (management buy-outs), . venture capital , . venture capital , . , 30
venture capital . Goody's, Chipita, Microsoft, Amazon.com Yahoo! , , .
7.4.2. Venture Capital : . , . , . , . , , , .
.. . .
. . , , . , , . . . , .
7.4.3. (VC) , . / . . , , , . VC . . : , , , . , MBO, , . 31
7.4.4. , , :
; ; ; ; ; ; . : .. , , . (.. , , , ) (.. 5 .) ( , .)
. . factoring : 1. factoring: :
. . , factoring 80%-85% .
. . factoring , .
. , . factoring : : , ( ). , factoring . . . . . factoring .
7.5. (Factoring) factoring . , factoring, , 32
. 2. factoring: . factoring factoring. factoring - factoring . 3. factoring: . , , . factoring : . .
. FactoringABC FACTORS 25-29, 106 75 .: 7258180, FAX: 7258190 FACTORING AE . 340, 154 51 . .: 6774300, FAX: 6775764-5 EFG FACTORS AE 3 & . , 153 43 . .: 6082751-3, FAX: 6082749 FACTORING 13, 105 64 .: 3350150, FAX: 3350155 MULTIFACTORING AE . 13, 174 55 .: 9854842, FAX: 9854849
. : / 4, 105 64 .: 3697000-8, FAX: 3610814 / & . 147, 176 73 .: 9550200, FAX: 9550235 / , / (002-1) 10, 106 71 .: 3348305-17, FAX: 3348318, 3348328 HSBC Factoring HSBC Bank Plc 1 , 106 71 .: 3396287, FAX: 3615340 / 3 & , 105 62 .: 3219254, FAX: 3253600 Factoring e-market 61 & 9, 105 52 .: 3288257-60, FAX: 3313092
. . factoring , , : , , , . .. factoring : 33
7.6. (.3299/2004) 3299/2004 , , , , . : . , . . . / . . (leasing) . . 5 , : 4 (, , ) 5 . : , 500.000 , 250.000 , 150.000 , 100.000. 20.000.000 . 34
7.6.1.
7.6.2. . 3299/2004 5 , : . . . , . . , . : . , . . ( , , 5 .
7.7. & () 7.7.1. , 3066/2002, (), .
(, ).
7.7.2. & 6 / - (, , , , ). , , 10.000-400.000 45%-70%. - 3 1, 2, 3 1,5 4 , , .
- , , , . 7.1 .
7.8.
&
7.8.1. (Business Incubators) , () , , , , , , . , . , . , . 2-3 . ( 50 % ) :
7.7.3. (), . . : . , - , . . 35
(,,, , ) 104
(,,, , )
204
(,,, , )
/ 25% 49 ( 10 . ( 250 ) ) 1 1 50 . 43 . . 49 10 . ( ( 3 ) ) 1. . 2. 9 2 . ( ( 3 ) ) . 1. . . . , 3 ,
304
10 10 . 49 ( ( 3 (,,, , ) ) )
2.
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36
. 1. 2. . , , , .
504
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1. 10 . ( ) 2.
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7.1.
37
. i-cube .. 377, 17564 . 210 9484280-4 Fax 210 9420287 e-mail: [email protected] web site: www.i-cube.gr . i4G (Incubation for Growth) , . 2310804800 Fax 2310804810 e-mail: [email protected] web site: www.i4g.gr . Thermi Business Incubator 9 . , , 60053 . 2310 999999 Fax 2310 999997 e-mail: [email protected] web site: www.thermokoitida.gr . Innovative Ventures (iVen) www.iven.gr . .. , 73200 . 2821080144 Fax 2821020620 e-mail: [email protected] web site: www.incubator-chania.gr
. , . 2292027494 Fax 2292025749 e-mail: [email protected] Web site: www.ltp.ntua.gr . . , 15310 . 210804800 Fax 210804810 Web site: www.demokritos.gr . 6 . , , 60053 . 2310 498200 Fax 2310 498280 e-mail: [email protected] Web site: www.thestep.gr . A , . 2421078299 Fax: 2421078298 e-mail: [email protected] Web site: www.tepathe.gr . , , 26504, . 2610911550 Fax 2610994106 e-mail: [email protected] Web site: www.psp.org.gr . , . 2651097650 Fax 2651097673 e-mail: [email protected] Web site: www.step-epirus.gr . , . 2810 391900 Fax 2810 391906 Web site: www.stepc.gr
7.8.2. () 70. , , . , 90 . , 7 , , , , .
38
7.9. , , . (). 3 2000-2006, 4, 20072013. (www.kps.gr) (.. , .) . , . , , . (www.antagonistikotita.gr) , . : . : www.equal-greece.gr , : www.leader-plus.gr , LEADER . , , . 39
2007 INTERREG IV :: www.interreg.gr, www.interreg4c.net
. , URBAN . : www.urban.gr
. URBAN
. EQUAL
. LEADER+
. INTERREG III
40
8
8.1 , (. ) .. . , . . 8.1. . , 15 , . . , . :
. , , , , , . , . 1996 : , , , , . . , 2001 2001 2008 , (...).
41
91 . 1.500 . : , Iraklio Centre, 50 & . , 71202, , . 2810302400, fax 2810344197, e-mail: [email protected], web site: www.ank.gr
. " " (..) . .. 2190/1920 - . 409/86 - 2339/95 46 . 1 .1416/84 291 . 1 .. 410/1995. 33 , : ... , , . 830/01-08-2002 1 & 2 . LEADER +, LEADER + . , EQUAL, INTERREG, () . 60 . (rue d Arlon 27, 1050, Brussels, . 00322 2300500, e-mail: [email protected].) . . . . & ( )
42
. 8.2. . . , , . , , , , , , . 4 , : 8.3. & () 2003 . 13 , , . & . & . : 1. : .. .. , , , .... 2. :
43
3. : / , 4. : , 5. , : 6. : ( , )
3 , . : , 1, , 71202, . 2810302900, 2810302929, www.keta-kriti.gr 8.5. , , , , , , (). . , , , & , () ().
44
. . 1991 , , " ", : spin-off 7 , Venture Capital Forum . , 71 . : , 4, , 10671, . 2103607690 : , . 2810391954 Web site: www.help-forward.gr 8.6. (). , , . , : . . . , , . 4 . : : 2810342095 : 2821079179 : 2831027131 . : 2841022666
45
, web site: www.oaed.gr 8.7. : . () . , , . , , , , (, , ), / . , EN ISO 9000, 45012 ISO/IEC 66, , HACCP, 1416. : , 313, , . 2102120100, e-mail: [email protected], web site: www.elot.gr . () 1999 . : . , , , . .
46
. , . . . . , . : , 124 & 2, , , . 2106971500, fax: 2106971501, e-mail: [email protected], web site: www.efet.gr . - , 1993 . . , . , . , . : . , . . . ECOFESTIVAL : , 38, 10433 , . 2108224384, fax : 2108218117, e-mail: [email protected], web site: www.dionet.gr 8.8. . . . . 47
. . .
: & &
9, , 71202 . 4, , 73104 23, , 74100 . 17, . , 72100 1, 71202
2810247010 2821052329 2831022214 2841027140 2810302900
WEB SITEwww.ebeh.gr www.chania-cci.gr www.eber.gr www.epimlas.gr www.keta-kriti.gr
, 71110 106, 11528
2810391900
www.stepc.gr
21074911100 2107491200
www.eommex.gr
, , 73200 50 & . 1866 & , . 1 , 3,
2821080144 2810302400 2810 753300 28210 9838992
www.incubator-chania.gr www.ank.gr www.anher.gr www.oadyk.gr
2810311316-9
www.oanak.org.gr
, . , 72100
2834031402 2841082970
www.ulac.gr/akom.m http://lasithi.lasithinet.gr/anaplas
48
()
5, 72300
28430-23590 28430-25887 Fax. 0843025341 2109989000 www.oaed.gr
8, , 17456 . 6-8, .. 11141,
2102120700
www.paratiritirio.gr
49
50
9
(, ) 1. , start-up kit, , 2006 2. , BIC , 2003 , www.bicepirus.gr 3. , ALBA, 2007, www.alba.gr 4. , & , 2004 5. , , 2005 6. , , Equal, , 2004 7. , Richard Stutely, 2002 8. Guide to Business Plan writing, Gate2Growth, Innovation/SMEs Programme, 2002 9. Angel Investing, The Guide to entrepreneurs, individual investors and venture capitalists, M. Osnabrugge & R. Robinson, Harvard Business School, 2000 10. Linking Innovation, Finance and Technology, Innovation/SMEs Programme, 2000
51
, , . .
10
Section
1. & () (www.eommex.gr) 2. : www.info3kps.gr 3. www.antagonistikotita.gr 4. , www.kep.gov.gr 5. , www.infosoc.gr 6. e-Business Forum: www.ebusinessforum.gr 7. : www.go-online.gr 8. & ( ): www.keta-kriti.gr 9. , : www.gge.gr 10. : www.neagenia.gr 11. (): www.elke.gr 12. : www.oaed.gr 13. & : www.kae.gr 14. : www.help-forward.gr 15. (-): www.stepc.gr 16. : www.paratiritirio.gr 17. & : www.agrotikianaptixi.gr 18. & : www.gsrt.gr
. & &
210 3311714-16 22510 38200 210 8201100 210 6969218 210 3332000
URLwww.ypai.gr www.culture.gr www.ypan.gr www.ypetho.gr
[email protected] generalenquiries@n oc.culture.gr [email protected] r [email protected]
52
& , & & & & &
210 5295000
www.ypakp.gr
[email protected] v.gr [email protected] webmaster@mohaw .gr [email protected] [email protected] [email protected] webmaster@ypepth. gr [email protected] [email protected] [email protected] [email protected]
210 6415700 210 3682700 210 5232820-9 210 7711019 210 419700 210 6876789 210 3723000 210 6977000 210 2124000 210 6969813-5 210 6508000
www.minenv.gr www.mfa.gr www.ypyp.gr www.ministryofju stice.gr www.yen.gr www.mod.gr www.ypepth.gr www.ydt.gr www.minagric.gr www.gnto.gr www.yme.gr
. ATE URL www.ate.gr www.bankofgreece.gr www.emporiki.gr www.geniki.gr www.taxtam.gr www.nbg.gr
. Alpha Bank Aspis Bank Citibank URL www.alpha.gr www.aspisbank.gr www.bankofattica.gr www.bankofcyprus.gr www.citibank.gr
53
- Eurobank FBB - First Business Bank SA HSBC HVB Millenium Bank Probank Societe General Hellas
www.chaniabank.gr www.bankdodecanese.gr www.dramabank.gr www.ioanninabank.gr www.kozanibank.gr www.lesvos-bank.net www.egnatiabank.gr www.eurobank.gr www.fbbank.gr www.hellenicbank.gr www.hsbc.gr www.hypovereinsbank.gr www.laiki.gr www.milleniumbank.gr www.piraeusbank.gr www.probank.gr www.societegenerale.gr
.
URLwww.asfa.gr www.auth.gr www.aua.gr www.duth.gr www.uoa.gr www.ntua.gr www.uion.edu.gr www.aueb.gr www.aegean.gr www.uth.gr www.uoi.gr www.uch.gr www.uom.gr www.upatras.gr www.unipi.gr www.panteion.gr www.tuc.gr www.hua.gr www.eap.gr
. TEI TEI TEI
URLwww.teiath.gr www.teiep.gr www.teiher.gr
54
TEI TEI TEI TEI EI TEI TEI TEI TEI TEI TEI
www.teith.gr www.teikal.gr www.teikav.edu.gr www.teikoz.gr www.teilam.gr www.teilar.gr www.teimes.gr www.teipat.gr www.teipir.gr www.teiser.gr www.teihal.gr
. & () () () () & ()
URLwww.forth.gr www.hcmr.gr www.maich.gr www.nagref.gr www.eie.gr www.certh.gr
55
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4.3.
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4.5.
, [ , ] 5.1.
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: , . spreadsheets .. Excel .
A B B factoring factoring General Innovation
55,
31 PRAXIS MESURA Tax, 57-58 Tax, 57-58
