{
  "docId": "019dd923-5de0-76bd-a168-6ddce853a998",
  "docSlug": "096c0257043e9796",
  "documentTitle": "Creating the best SME Debt finance ecosystem",
  "authorId": "OliverWyman",
  "authorName": "Oliver Wyman",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
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  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 19,
  "pageCount": 45,
  "prevPage": 18,
  "nextPage": 20,
  "slideType": "problem_statement",
  "function": "diagnose",
  "density": "dense",
  "nDataPoints": 24,
  "notes": "The chart uses a line graph to show trends over time, with a specific callout comparing 2022 data points for NL against FR and BE.",
  "elementsJson": [
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  "slideHref": "/slides/019dd923-5de0-76bd-a168-6ddce853a998/19",
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  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a168-6ddce853a998#slide-19",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "NL SMES are the most discouraged to obtain new bank loan.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
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      "componentId": "019dd951-d9ee-72ee-8966-5455693da08d",
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    {
      "bbox": {
        "h": 0.6,
        "w": 0.6,
        "x": 0.05,
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      },
      "kind": "chart",
      "text": "SMEs discouraged from applying for a new bank loan",
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      "subkind": "line",
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      "componentId": "991c7cc8-7d4e-4f70-84f7-04b24b0cf042",
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    {
      "bbox": {
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        "x": 0.68,
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      },
      "kind": "list",
      "text": "Key insights: NL SMEs are the most discouraged; Discouraged means SMEs will not apply; Discouragement is driven by cumbersome processes and high rejection rates.",
      "attrs": null,
      "subkind": "bullet",
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      "componentId": "144e00d4-99b8-4cab-8c88-d5a0f78af0c5",
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    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "SME discouragement rate: 6%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-d9ee-72ee-8966-5bbd8b8fd9ca",
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    {
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      },
      "kind": "source-note",
      "text": "Source: ECB SAFE. 1. Discouraged borrowers: decision not to apply for a loan for fear of rejection; 2. Base: Enterprises for which bank loans (including subsidised bank loans) are relevant",
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      "kind": "title",
      "text": "BANK LENDING CHALLENGES: A LARGE SHARE OF NL SMES ARE DISCOURAGED FROM SEEKING BANK LOANS",
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      "metricRaw": "SME discouragement rate",
      "numberRaw": "6%",
      "numberKind": "percent",
      "actionTitle": "BANK LENDING CHALLENGES: A LARGE SHARE OF NL SMES ARE DISCOURAGED FROM SEEKING BANK LOANS",
      "calloutText": "NL SMES are the most discouraged to obtain new bank loan.",
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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,
      "parentBeatName": "Complication",
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  "loops": [
    {
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      "from": 15,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "e38e065d-e69f-4f51-97c9-9df7e6b771b6",
      "evidence": "The document emphasizes the challenges faced by SMEs in accessing debt and the potential consequences of inaction.",
      "position": 2,
      "objective": "Highlight the costs of inaction",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.6,
      "description": "Quantify what happens if the audience does nothing"
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