{
  "docId": "019dd923-5de0-76bd-a168-6ddce853a998",
  "docSlug": "096c0257043e9796",
  "documentTitle": "Creating the best SME Debt finance ecosystem",
  "authorId": "OliverWyman",
  "authorName": "Oliver Wyman",
  "documentKindSlug": "consulting-deck",
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  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 17,
  "pageCount": 45,
  "prevPage": 16,
  "nextPage": 18,
  "slideType": "peer_benchmark",
  "function": "compare_peers",
  "density": "dense",
  "nDataPoints": 9,
  "notes": "The slide uses a comparative framework to highlight the Netherlands' underperformance in SME lending processes.",
  "elementsJson": [
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  "metadataConfidence": 1,
  "imagePath": null,
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  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a168-6ddce853a998#slide-17",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "NL SME bank loans have highest pending rate (suggesting the application process takes long) and highest rejection rate.",
      "attrs": null,
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      "toolName": "Visual emphasis",
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      "kind": "chart",
      "text": "Process speed: % SMEs whose latest lending process is still pending",
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      "kind": "chart",
      "text": "Rejection rates: % new SME bank loans rejected by the bank relative to peer average",
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      "kind": "list",
      "text": "NL SME bank loans have Highest pending rate; Highest rejection rate.",
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    {
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      "kind": "metric",
      "text": "Rejection rate: 16%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
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      "kind": "source-note",
      "text": "Source: ECB Safe survey. 1. Base: Enterprises that had applied for bank loans (including subsidised bank loans)",
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      },
      "kind": "title",
      "text": "BANK LENDING CHALLENGES: NL SME BANK LOANS HAVE HIGHER PENDING RATE AND HIGHER REJECTION RATE",
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  "metrics": [
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      "numberRaw": "16%",
      "numberKind": "percent",
      "actionTitle": "BANK LENDING CHALLENGES: NL SME BANK LOANS HAVE HIGHER PENDING RATE AND HIGHER REJECTION RATE",
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  "frameworks": [
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      "evidence": "Comparing NL performance against peer countries (DE, FR, BE, SE) across two key metrics.",
      "confidence": 0.9
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  "arcBeats": [
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      "arcName": "The Consultant's Gambit",
      "arcSlug": "consultants-gambit",
      "beatName": "Problem & Complication",
      "beatSlug": "consultants-gambit-problem-complication",
      "evidence": "The document identifies key challenges and root causes, including reduced bank support and limited access to debt.",
      "position": 1,
      "confidence": 0.8,
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  "loops": [
    {
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      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
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      "evidence": "The document emphasizes the challenges faced by SMEs in accessing debt and the potential consequences of inaction.",
      "position": 2,
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      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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      "description": "Quantify what happens if the audience does nothing"
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