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Central Bank Loosen Money, Quanzhou Smes Expect To Benefit From It

2008/8/19 10:22:00 7

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At the beginning of this month, the central bank agreed to increase the credit scale of commercial banks in 2008, which is considered to be a strong signal for easing monetary policy since last year.

Facing the sudden increase of new loan amount, many small and medium-sized enterprises in our city are exulting and eagerly looking forward to benefiting from the new policy.

However, some familiar banking financial institutions said that although the amount of new loans will be mainly invested in small and medium enterprises, there is not much quantity, and the standard of customer selection of "good choice" will not change. In order to obtain loans, enterprises still need to strengthen their internal strength first.

The loan scale is raised by 5%% or more.

Reporters learned that, in order to control the total amount of credit, the central bank has set a credit index for all commercial banks in the world at the beginning of this year, which is basically the same as the total amount of credit issued by commercial banks in 2007.

However, with the adjustment of the tone of the overall macroeconomic regulation and control, the central bank's monetary policy is beginning to loose. The meeting convened by the central bank early this month decided to increase the credit line in 2008 by way of "differential treatment": the national commercial banks increased 5%% on the basis of the original credit scale, and the local commercial banks increased by 10%%.

According to such a rate of increase, if the total amount of new RMB loans in 2007 is 24 billion 544 million yuan as the base, the new loan amount will be around 1 billion 227 million 200 thousand yuan, not more than 2 billion 454 million 400 thousand yuan at most.

However, according to our understanding of the situation, the banking sector of our city introduced that the new part was based on the original loan scale of each commercial bank's headquarters, and then it was appropriately allocated by the banks within the system according to the specific circumstances.

"No notice has yet been received concerning the scale of new loans and specific payment methods."

Reporters on the issue to the people's Bank of China, the Construction Bank, Agricultural Bank and other financial institutions in charge of the spring to understand the situation, get the same answer.

Small and medium-sized enterprises look forward to "showers"

In the face of the new policy, compared with the prudence and calmness of the banking industry, many small and medium-sized enterprises in our city can not restrain their excitement.

"This is the rain after a long drought."

"This is a belated love!"

In the interview, the reporter heard several times such enthusiastic words.

No wonder.

Reporters learned that in recent years, raw material prices, appreciation of the renminbi, the export tax rebate reduction and other adverse factors, the growth and development of small and medium enterprises in our country is very difficult, and last year's tightening policy is just like snow, because of the limited amount of bank loans, at the end of the year, a lot of enterprises have been unable to get the money through loan approval.

In this adjustment, the central bank clearly stipulates that new loans should be used in small and medium enterprises, agriculture, rural areas and disaster relief.

Quanzhou is dominated by private economy. The change of loan structure and scale is undoubtedly the gospel of the small and medium-sized enterprises.

"Enterprises are very concerned about the progress of the new policy. These days, some people are calling to ask."

Wang Qiming, chairman of the Provincial Textile Association and chairman of Haitian Textile Group, told reporters that the announcement of the new policy has attracted the attention of the entrepreneurs of the textile industry including himself. We have been following the progress of the new policy closely, and have been familiar with the new quota, the way of distribution and so on.

Hong Xiaoqiang, manager of Quanzhou Nan Xing Machinery Manufacturing Co., Ltd., "this is a great news!"

According to him, because of steady development, enterprises urgently need to expand the plant area and scale of production, resulting in a great demand for financing. However, under the influence of monetary tightening, there was no great expectation for obtaining loans from banks.

"The new policy has brought new hope and confidence to small and medium-sized enterprises such as ours from indirect financing of banks."

Hong Xiaoqiang said.

Loan companies should strengthen internal strength first.

With the new policy, commercial banks have gradually taken corresponding measures, and the most important one is the Commercial Bank of Quanzhou, a local commercial bank with an increase of 10%%.

Reporters learned from the executives of the bank that at present, the municipal commercial banks are preparing to set up a loan department for small businesses, and the work of personnel formation and development of related products is also proceeding in an orderly way. It can be said that the service of small businesses is one of the main directions of development.

But at the same time, some state-owned commercial banks also expressed different views on the influence of the new policy on solving the financing difficulties of SMEs.

"The criteria for banks to choose customers have not changed."

Executive officer of Quanzhou branch of the Construction Bank said that the biggest criterion for judging whether the loan was issued or not is the efficiency of the company.

In other words, it is not difficult for a well efficient enterprise to obtain bank loans, regardless of the size and monetary policy at that time, and taking into account the security of loans and other problems, those enterprises whose efficiency is not satisfactory is difficult to obtain loans no matter how loose the monetary policy environment is.

This person believes that if SMEs want to get financial support from banks, the most important thing is to strengthen the internal strength first and make the corporate profits go up, so that banks can establish their confidence in repayment of loans.

In addition, banks themselves should work hard to relax loan conditions and change auditing methods, so as to effectively solve the financing difficulties of SMEs.

"The quota is very important, but it does not solve the problem completely."

Most bankers agree with this view.