BTP – Bank Transfert Programme


Giovanni Cervioni
View Giovanni Cervioni’s profile

Part One

TNAM Initiative / project description


BTP – Bank Transfert Programme



On European level yearly thousands of healthy businesses and with it hundred thousand jobs disappear from the market since the business succession is not regulated. Statistically approximately 610,000 small- and medium sized businesses with approximately 2.4 million employees will be affected by it within the next 10 years. From the business- and economic sight many of these businesses are indeed worth being maintained. Especially jobs for often older employees would persist and still extant company structures could be usefully used in future. Additionally, often badly hedged transferring businessmen could be financially assured by an ordered taking-over (“businessman-pension”). 
The handing over or take-over of an enterprise requires a variety of planning and arrangements which must be made early to guarantee a successful handing over or take-over. Very often there are even specific recapitalization measures which have to be rapidly realized within such handing over businesses. Due to enquiries in the context of the project application, the awareness for the necessity of a long-term and strategic planning of the business succession as well as measures for security and relief of the business succession is still missing at the European level.

Keywords / TAGS
Enterprise, SME, labor market

Coordinator contact details


Coordinator Country

Italy, UK, Spain, France

Coordinator Region (NUTS code)



Young people, employees


  • Enterprise and SMEs

Target Groups

  • Individuals
  • Groups
  • Careers officers


  • Best practice


  • Activities of Households as Employers; Undifferent
  • Information and Communication
  • Others

Educational sector

  • Other sectors of adult education


additional info if needed


Your Project language (ISO 639-2)
Languages you will look for

Part Two

TNAM results

1. LLP project or related resource

    The Fair Money Game – Education about financial management that is ethi
    The Fair Money Game Project is based on the Lisbon Strategy and many other statements of the European Commission hailing the role of financial education in poverty reduction and in creating inclusive financial markets, among others the Green paper on Financial services Policy (2005) and the Communication on Financial Education (2007). With the same aim, OECD launched an "Improving Financial Literacy" programme in 2005. The importance of improving financial literacy for the personal and professional development of European citizens, is also emphasized by RFA leading a long term research on financial exclusion at an European level. In the context of a democratic and inclusive European society, the freedom to choose an occupation and right to engage in work, as well as the freedom to conduct a business are emphasized in the articles 15 and 16 of the Charter of Fundamental Rights of the EU.

    The financial sector is a key sector in a sustainable economy, considering the huge impact of investment choices. The limits and dangers of short-term views, lack of transparency and accountability have emerged as key challenges for wider public education, especially for vulnerable and inexperienced groups. It is an opportunity to sensitize citizens as well as future workers on more sustainable values and approaches. To address such issues, financial education requires innovative programmes.

2. LLP project or related resource

    Datalogging as innovative learning tool
    The latest 2006 report from OECD PISA shows that young Europeans in general lack engagement and interest in science and that they do not fully understand the key part that science plays in today’s societies and economies. This situation needs to be reversed. To be able to do that there is a need for making a training course that implements teaching approaches to datalogging. Our project therefore aims at qualifying the science teachers in primary and lower-secondary schools by developing a further training course in how to implement innovative learning approaches to datalogging in science. Datalogging is a tool that by the use of electronic sensors and interfaces measures and records changes in physical variables such as: temperature, hte beat of pulse, pH etc. As a learning tool it contains great didactic potentials.

3. LLP project or related resource

    Multichannel Adaptive System Training for micro, small and medium Enterprises
    The ontology-driven approach (based on adaptive test engine and systemic methodological framework) ensured active support of the whole learning cycle by dynamic mapping of SMEs competences needs and gaps, according to their target markets and, consequently, to create dynamically adaptive courses. MASTER intended to transfer, enlarge and adapt (according to the socio-economical context and need) results, tools and competences of partner previous experiences in these domains, (eLearning and mLearning for SMEs; ontologies; blended training) of innovative EU project TrainSME (MERIG) integrated with Studio and ContSense(Corvinno). Moreover it was an adaptation of new learning materials (from CORVINNO and FH Joanneum) regarding to Project Management and Internationalization courses which makes the project more innovative (it is an added value for the project). What is more it was Flexilab authentification gateway developed by CORVINNO and multiple choice questions.

4. LLP project or related resource

    Eurocord-Ed: On-line Curriculum on Cord Blood Technology
    urocord‐Ed is a comprehensive training tool for the many different vocational actors involved in the field of umbilcal cord blood. Its educational content is available at a time, place and ultimately in a language convenient to the user. The content on Eurocord‐Ed is generated and peer‐reviewed by international experts in the field of cord blood and so the platform is also a reliable resource of information for the general public and for local,regional, national and European policy decision makers.

Part Three

CB4LLP Action Plan

Useful ideas

The scope of the project a graduated training for business succession which is standardized at European level will be developed and implemented. The planned training is an innovation on the European education-market because comparable trainings aren’t yet available in the partner countries of the project consortium.


• Family members and because demonstrably more and more businesses are been transfered to foreign people
• Employees of the business which should be taken-over and
• Externals, who want to take-over an existing business (this could be unemployed people too)


Intermediary organisations, employment agencies,






moodle, skype meetings


Development of a curriculum for business succession
Development of the Screening Tool
Execution of a pilot course and regular evaluation process
Internet platform
Valorisation activities

Educational Sector

Non educational


Systems for quality monitoring

Systems to document taken actions

materials available for download on the website

Part Four

CB4LLP Impact analysis

Useful ideas















04_useful_ideas (value): 8
04_useful_ideas (text): 8

04_stakeholders (value): 7
04_stakeholders (text): 7

04_partnerships (value): 7
04_partnerships (text): 7

04_other (value): 9
04_other (text): 9

04_solutions (value): 9
04_solutions (text): 9

04_general (value): 7
04_general (text): 7

04_particular (value): 9
04_particular (text): 9

04_internal (value): 8
04_internal (text): 8

04_external (value): 9
04_external (text): 9

04_educational (value): 9
04_educational (text): 9

04_noneducational (value): 8
04_noneducational (text): 8

04_equipment (value): 9
04_equipment (text): 9

04_systems_monitor (value): 7
04_systems_monitor (text): 7

04_systems_actions (value): 9
04_systems_actions (text): 9

About the Author: Giovanni Cervioni

Leave A Reply

Your email address will not be published. Required fields are marked *