English: I'd like to thank Julie Morgan for her questions. I'll be as brief as I can in answering them. First of all, with regard to crowdfunding, there is an estimate that crowdfunded finance will grow by a huge amount by the end of this decade. The problem that we face is that not all businesses, and indeed not all third-sector organisations, are aware of the potential or how to go about attracting crowdfunded resources. There will be a role here not just for the development bank of Wales, but also potentially for Business Wales, and also, I think it's fair to say, for the Wales Co-operative Centre, who have already been able to provide sound advice to many third-sector organisations on the potential of crowdfunding. In terms of activities in England, I'd again agree with the Member and say that I think it demonstrates the success of Finance Wales that they've been able to secure contracts across the border. I think it's essential, in growing the skills base of staff within the development bank, that they should be able to access opportunities across the border and learn from the best. The Member is absolutely right: we are far away from London, but I would expect the development bank of Wales to be able to make contacts and to be able to establish relationships with financial houses in London that could then be utilised to support Welsh micro, small and medium-sized businesses. In terms of expanding the skills base, at the moment the Member will be aware that Finance Wales has new non-executive directors, a new chair and a new chief executive. I can also inform the Member that Finance Wales also propose to undertake a review early in the new year to identify the optimum capital and corporate structure.
Welsh: Hoffwn ddiolch i Julie Morgan am ei chwestiynau. Byddaf mor gryno ag y gallaf wrth eu hateb. Yn gyntaf oll, o ran cyllido torfol, mae amcangyfrif y bydd cyllido torfol yn tyfu'n sylweddol iawn erbyn diwedd y ddegawd hon. Y broblem sy'n ein hwynebu yw nad yw pob busnes, ac yn wir, nid yw pob sefydliad trydydd sector, yn ymwybodol o'r potensial na sut i fynd ati i ddenu adnoddau cyllido torfol. Bydd swyddogaeth yma, nid yn unig i fanc datblygu Cymru, ond hefyd o bosibl i Busnes Cymru, a hefyd, rwy'n meddwl ei bod yn deg dweud, i Ganolfan Cydweithredol Cymru, sydd eisoes wedi rhoi cyngor cadarn i lawer o sefydliadau trydydd sector ar botensial cyllido torfol. O ran gweithgareddau yn Lloegr, fe fyddwn i unwaith eto'n cytuno â'r Aelod, ac yn dweud fy mod i'n credu bod y ffaith iddo allu sicrhau contractau ar draws y ffin yn brawf o lwyddiant Cyllid Cymru. Rwy'n credu ei bod yn hanfodol, wrth dyfu sylfaen sgiliau staff yn y banc datblygu, fod ganddynt fynediad at gyfleoedd ar draws y ffin a'r cyfle i ddysgu gan y goreuon. Mae'r Aelod yn llygad ei le: rydym ni'n bell i ffwrdd o Lundain, ond byddwn yn disgwyl i fanc datblygu Cymru allu gwneud cysylltiadau a gallu sefydlu perthynas â sefydliadau ariannol yn Llundain, a allai wedyn gael eu defnyddio i gefnogi meicrofusnesau, busnesau bach a busnesau canolig eu maint yng Nghymru. O ran ehangu'r sylfaen sgiliau, ar hyn o bryd, bydd yr Aelod yn ymwybodol bod gan Cyllid Cymru gyfarwyddwyr anweithredol newydd, cadeirydd newydd a phrif weithredwr newydd. Gallaf hefyd hysbysu'r Aelod bod Cyllid Cymru yn bwriadu cynnal adolygiad yn gynnar yn y flwyddyn newydd i nodi'r strwythur corfforaethol a chyfalaf gorau posibl.