There Is A Pressure Policy Again Toward Small Businesses.
On the first day of September, the small businesses that are facing difficulties in financing can be seen as carbon in the snow. On this day, the central bank promulgated the "window guidance" advice, emphasizing that we should guide the rational growth of monetary and credit, optimize the credit structure, and increase support for the "three rural", small businesses and post disaster reconstruction. Obviously, under the guideline of "treating differently and keeping pressure", the central bank once again shifted the balance of policy to small enterprises again.
Since the reform and opening up, China's small businesses have developed rapidly and become the most dynamic economic groups, forming an important part of China's national economy. At present, small enterprises have become an important foundation for China's economic growth, market prosperity, structural adjustment, technological innovation and expansion of employment. Therefore, promoting the development of small enterprises is of great and far-reaching significance to China's economic growth, labor employment and the building of a harmonious society in an all-round way.
Over the past year or so, the difficulties faced by small businesses are obvious to all. Many factors such as rising raw material prices, rising labor costs, adjustment of export tax rebate policy, appreciation of the renminbi and a sharp decline in external demand have made many small businesses struggling, and small businesses are facing a survival crisis. However, in the face of many difficulties, financing difficulty is also a high threshold in front of them.
Financing difficulty has become a long-standing problem for small businesses. There are very complicated reasons, such as long-term, international, internal and external factors. At present, the financing channels for small businesses are narrow, mainly relying on bank loans. Because of many realistic interests, financial institutions are cautious about lending loans to small businesses or even "reluctant to lend". After all, small businesses have relatively high risks, and the cost of loans is relatively large. There is no corresponding incentive mechanism. Banks are more willing to lend loans to large enterprises. As a business, commercial banks should also pursue profits. In the face of all kinds of customers, they also have sufficient reasons to choose. However, small businesses are the most basic and vital cells in a country's economy, so solving their financing problems is very important.
It can be seen that the financing problem of small enterprises has always attracted the attention of all sectors of the country, and the country is working hard to resolve it. In recent months, the central bank has been trying to solve the problem. In the mid year working conference, the central bank promptly put forward "correctly handling the relationship between total regulation and structural optimization, promoting economic structural adjustment and pformation of development mode, supporting and promoting the steady development of SMEs and foreign economy". In July, the central bank adjusted the credit scale of commercial banks, the credit scale of the national commercial banks increased by 5% on the original basis, the local commercial banks increased by 10%, and the scale of credit was targeted to the "three rural", small businesses and disaster areas. The industry generally agreed that the "differential treatment, directional quantitative" credit scale adjustment, fully reflects the central bank's efforts to maintain stable and rapid economic development of the policy intention. In August, the people's Bank of China, the Ministry of finance, the Ministry of human resources and Social Security jointly issued the notice on further improving small secured loans and actively promoting entrepreneurship and promoting employment. One of its breakthroughs is to raise the amount of small secured loans, and the maximum amount of small secured loans for eligible labor-intensive small businesses is raised from no more than 1 million yuan to less than 2 million yuan. In addition, it also relaxed the policy of small secured loans for labor-intensive small businesses. The central bank's two quarter report on China's monetary policy implementation suggested that monetary policy in the second half of the year will continue to fine tune while maintaining continuity and stability. We should increase financial support for small businesses with market, efficiency and more jobs. Obviously, this adjustment is of great practical significance for small businesses.
This time, the central bank promulgated the "window guidance" advice. It not only stressed the increase of financing support for small business development, but also formulated the goals to be achieved, and put forward solutions. The central bank pointed out that we should strengthen the guidance of financial institutions and strive to increase the credit growth rate of small businesses in 2008 not less than the growth rate of loans. Financial institutions are encouraged to innovate small businesses' credit products and trade financing means. Build a multi-level financing system for small businesses. Expand direct financing channels for small and medium-sized enterprises. Standardize and guide private capital into small business financing market. We should speed up the construction of credit system and guarantee system and improve the financing environment of small enterprises.
It should be recognized that every big business has been a small business. If small businesses can not get healthy development, we will lose many large enterprises in the future. To make the small businesses regain vitality, more attention and inclination should be paid to the country.
Economists believe that the current need to take effective measures to help small businesses tide over the difficulties: to implement various tax incentives and financial subsidy policies for enterprises, to help small businesses to reduce the rising cost of factor costs, to improve the dispersion, compensation and incentive mechanism of guarantee risks, to improve the multi-level credit guarantee system, to relax financial control, to guide private capital to develop small and medium-sized banks, to support small business financing, to actively build small enterprises financing system, to expand direct financing channels for small enterprises, to help small enterprises pform and upgrade, and to implement industrial pfer, to promote small enterprises' two pioneering businesses, to actively expand domestic demand, and to expand the domestic market of small enterprises.
從當前經濟形勢看,下半年仍是小企業需要面對的困難時期。我們相信,在國家的高度重視下,在各方的共同努力下,小企業走出融資難困境之路雖然不平坦,但可以期待。
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