Smes In Zhejiang Rush To Find New Ways To Finance

The financing difficulty of SMEs has always existed.

At the eight plenary session of the five municipal Party committee this year, we put forward a new leap to promote our industrial economy. How to support and accelerate the development of small and medium-sized enterprises has become a hot topic.

For small and medium-sized enterprises and individuals, the financing problem of banks has tightened after this year's tightening of credit. The financing difficulties of SMEs have attracted wide attention.

Reporters learned in the interview that small and medium-sized enterprises in our city began to explore and solve financing problems spontaneously, and tried new financing methods.

80.5% of enterprises believe that loans are not easy.

"I can't get credit. I no longer have confidence."

The person in charge of a clothing trade company in Donggang told reporters that this year he went to the bank for two consecutive loans, but the two time all ran into a wall.

In desperation, he had to borrow money from his friends, which was twice as much as the bank's interest.

According to the statistics of Municipal Bureau of statistics, small and medium-sized enterprises in our city think that it is very difficult to obtain bank loans at present and account for 27.6% of the total loans, accounting for 52.9% of the loans.

"In the context of tight money, the cost of financing for SMEs has almost doubled."

Insiders said that since the regulatory authorities tightened the scale of bank credit in October last year, the bank's credit increase for SMEs has become a common phenomenon.

At present, the benchmark interest rate for a one-year loan is 7.47%, and banks can also float 20% to 60% on this basis.

The guarantee cost of Guarantee Corporation is generally 1% to 3% per year.

In this way, if a small and medium-sized enterprise obtains loans through Guarantee Corporation, the annual interest rate will be close to 15%.

Multi party financing is urgent.

When developing various financing channels, many small and medium-sized enterprises first think of using pawn financing to advance quickly and quickly.

Yesterday afternoon, reporters interviewed several pawnshops in five St. street of the city, and met Mr. Chen, a hardware manufacturing company.

He told reporters that the procurement of raw materials by the end of last year was in urgent need of funds, but it was very difficult for banks to tighten credit.

"The legs are running fast and not broken."

He said, in the introduction of friends, he came to pawn shop mortgage financing, mortgage their own factory, 3 days from pawn shop to get 350 thousand yuan, the urgent solution.

"However, interest rates are higher than banks and the monthly interest rate is 3%.

It's mainly emergency and not long-term borrowing. "

The reporter learned that the financing period of pawnshop in our city is generally the shortest in 1 months and the longest in 6 months. There are 3 types of mortgage financing, namely, movable property pledge, real estate pledge and property pledge.

Compared with banks, although pawn shops have a higher loan cost, they have the advantages of flexible borrowing, simple procedures and strong timeliness.

Experts suggest that qualified SMEs can try to introduce equity financing methods such as strategic investors, which can ease the pressure of enterprise funds and share business risks.

Insiders say that SMEs have some inherent disadvantages in terms of equity capital financing or debt capital financing.

Although the central bank has raised interest rates again and again, banks are relatively cheap.

Equity financing can achieve risk sharing and benefit sharing. It is a good choice for small and medium-sized enterprises whose strength is not very strong.