Facing The Shortage Of Money, Small And Medium-Sized Enterprises Are In The Crossroads Of Torment.

Lack of money has become a pressing problem faced by many small and medium-sized enterprises in their production and operation.

Since last year, SMEs in Jiangsu, Zhejiang, Shanghai and other places have been prospering, and suddenly found that the time for goods to be sold is obviously prolonged, and the speed of capital turnover is slowing down.

"We are in the winter now, we will see if we can get through it."

A private entrepreneur in Shanghai, who is engaged in luggage trade, told reporters.

Facing the "money shortage", small and medium-sized enterprises are in the "crossroads".

Most SMEs' capital chain is "tight".

In the Yangtze River Delta region, the vigorous development of small and medium-sized enterprises has always been the vitality of local economic operation.

"For a long time, our locals in Zhejiang are basically unemployed, and have absorbed a large number of migrant workers.

Why?

It is not because our small and medium-sized enterprises in Zhejiang are developing very well. "

A government official in Lishui, Zhejiang province told reporters that, however, many of Zhejiang's small and medium-sized business owners are most worried about the problem of "capital".

A business owner in Zhejiang who declined to be named told reporters that financial constraints are the main problem facing the company.

He analyzed that two reasons led to this situation.

First, the rise in production costs.

"Electricity charges have risen, wages have risen and coal prices have risen. This year, all of them are coming together. The current production cost has increased substantially compared with that of last year, but it can not make up for all costs through price increases, because many domestic enterprises are very sensitive to prices, and a large increase in prices will lose many customers.

Finally, enterprises have to carry them on their own. "

The two is the difficulty of recovery.

"Because most of the company's customers are small and medium enterprises, their operating conditions this year have declined compared with the previous years, so that the difficulty of corporate payment is greater than before."

The vice president of a Hangzhou branch of a joint stock bank told reporters that since the end of December last year, the average weekly loan of one to two companies has not yet expired.

This is not uncommon in the banking sector of Hangzhou.

"Small and medium-sized enterprises are generally faced with the problem of shortage of funds."

The deputy president said.

SMEs face awkward financing difficulties

"Not borrowing money now is waiting for death, borrowing money is finding death."

A financial officer in a computer parts enterprise in Kunshan, Suzhou, told reporters.

In the interview, we find that the dilemma of this financing dilemma is reflected in most small and medium enterprises.

Many owners reflected that without financing and borrowing money, enterprises would gradually endure and survive.

If we can't keep up, the capital chain will break down and enterprises can only close.

If financing is borrowed, it is nothing more than two channels, either borrowing from banks or private financing.

"Whether it is bank loans or private financing, the cost of borrowing is now unaffordable to businesses."

The person in charge said.

The deputy general manager of a software company in Suzhou hi tech Park said in an interview with reporters that in the past, enterprises needed to supplement their working capital and could apply to commercial banks for working capital loans at any time.

"It is very difficult to apply for loans to banks.

Even if it is borrowed, it will be discounted. "

At the same time, commercial banks also generally "raise prices" for SMEs.

At present, Chinese banks in Shanghai have generally raised about 30% of SMEs' credit.

In fact, small businesses that can borrow money from commercial banks are few and far between.

In the Yangtze River Delta region, private financing and usury are almost open secrets. Many small and medium enterprises are more or less associated with private financing.

"Who wants to borrow usury?

There is no way out. "

Lishui, Zhejiang, a private enterprise manager sighed.

According to him, in the Yangtze River Delta area, the interest rate of usury has reached over 40%, and the short-term financing interest rate of some small and medium-sized real estate enterprises has reached 70%.

"It's all about finding death.

But what can we do to alleviate the financial difficulties?

We can only take one step and look at it one step before we can get through the difficulties before us.

SME pformation is also difficult

Facing the shortage of money, many small and medium-sized enterprises began to plan difficult pformation.

"This is the most difficult period, but it is also a critical moment to test the vitality of the enterprise."

Zhejiang Jiali Lighting Co., Ltd. responsible person in an interview with reporters made it clear.

He said that, on the one hand, the company is reducing costs through increasing revenue and cutting expenditure; on the other hand, it should increase technological innovation and expand the technological content of products so as to increase the added value of products.

However, in the difficult pformation of enterprises, not every SME has the time and possibility of "flexible turn around".

Everbright Securities Research Institute researcher Huang Xuejun believes that in recent years, a lot of policies and practices to promote enterprise pformation have been introduced.

"In the long run, this is conducive to the pformation of China's economic structure and the pformation of its growth pattern.

But the time is too tight and the means are too urgent. I am afraid that the cost of pformation will be too high and the cost will be too high.

This should be a concern. "

Some commercial banks and bank regulators also pointed out that the international and domestic economic environment was relatively loose when the macro-control came into effect. At present, great changes have taken place. The contradiction between excessive investment growth, excessive currency supply and excessive trade surplus has been alleviated.

"At present, we should consider the time and intensity of the new financial regulation and control policy, so that SMEs can catch their breath."

A grass-roots credit officer of a commercial bank in Shanghai told reporters.

The head of a Banking Supervision Bureau in the Yangtze River Delta region also said that the scientific distribution of credit should be gradually improved.

He suggested that a nationwide legal person bank should only control the credit scale of the head office, and then adopt a scientific method to forecast the demand for funds everywhere, adjust the surplus and deficiency, and alleviate the financing difficulties of the small and medium-sized enterprises in the shortage of funds.

He believes that "under the current management system, the credit scale will be directly divided into local areas, which will easily lead to layers of overweight and draw the land into prison."

Professor Hua Min, director of the World Economic Research Institute of Fudan University, has vociferous speech. At present, "protecting enterprises" has become a top priority.

After all, the survival and development of small and medium-sized enterprises is one of the vital sources of our economy.

"Less this, the Yangtze River Delta and even China's economy will be much less exciting."