Economic Phenomenon: Small And Medium Sized Leather Enterprises Are In Financial Difficulties.

Recently, the Shenzhen branch of China Construction Bank and the more than 20 key private enterprises in Shenzhen signed a letter of intent for mutual insurance loans. After providing the first 1 billion 230 million yuan mutual insurance loan, the CCB Shenzhen branch also promised to provide 15 billion mutual guarantee loans for these enterprises in the next five years.

Mutual insurance payment system was established jointly by enterprise groups.

It takes private leading enterprises as the main body, including Shenzhen's more than 20 million small and medium-sized enterprises to form a "private enterprise pool".

With the "private enterprise pool" as a credit guarantee, the government will provide a certain proportion of risk compensation if the loan to private enterprises pool is more than 30 million yuan and the loan period is more than three years.

This is the "timely rain" that the Shenzhen government has sent to those small and medium sized enterprises with low innovation ability and lack of funds.

Since the beginning of the country's prudent fiscal policy and tight monetary policy, many small and medium-sized enterprises have found that they are getting tighter and tighter.

The analysis results of financial operation in the first half of our city also showed that as of the end of 6, the balance of foreign currency loans in our city was still increasing, but the growth rate slowed down, while the amount of new loans of state-owned commercial banks decreased year by year.

It is noteworthy that in some parts of the Pearl River Delta, the Yangtze River Delta and even Shandong, small and medium-sized enterprises are experiencing difficulties or even failures due to the fragmentation of capital chains.

Money is tight, part of the SME capital chain is broken.

4 years ago, Jiang Shao and his family came to Beijing from their hometown in Hunan and founded the Beijing Tianhua small commodity market.

After the Spring Festival this year, Jiang decided to upgrade the market.

But at the critical moment when the one or two floor is about to be completed and the three layer is about to start, Chiang Shao has no money in his hands.

He decided to ask the bank for help as usual.

But he ran around many banks in the capital city, and Chiang Shao did not lend him a cent.

"I didn't have a Ken in the bank."

"Now the banks are very picky about the demand for mortgage loans, not only do they think my house is old, but they also think that my housing lot is not good."

Many small and medium-sized operators also sigh.

Last year, the central bank raised interest rates 6 times, the benchmark lending rate for one year was raised to 7.47%, and the deposit reserve ratio was raised 10 times. As of June, the deposit reserve rate has increased to 5 in 5 times, exceeding the 13% highest historical point in 10 years, and the tightening rate is striking.

Tight monetary policy tightened monetary policy and tightened lending in Zhejiang. In the first quarter of this year, all bank loans in Zhejiang increased by 144 billion 800 million yuan in the first quarter of February, up by 31 billion 800 million yuan compared with the same period last year. Last year 1 to February, the Bank branch of the ICBC invested 76% of the total bank loans to SMEs, but this proportion was not even 15% in the same period this year. In Jinjiang, Fujian, as of the end of May, the balance of RMB loans of financial institutions was 26 billion 790 million yuan, an increase of 2 billion 680 million yuan from the same period last year.

Not only has lending been reduced, but also banking institutions have raised the threshold for loans.

Since the second half of last year, the Yiwu branch of CCB has tightened its personal loan control. It must be a provincial VIP client and a AA client. Second, it needs to sign key customers at the provincial level, and in recent years, the credit record is good enough to lend.

Monetary tightening has made it difficult for small and medium enterprises that relied on bank loans to maintain capital flows and development for a long time.

In May this year, Zhejiang star enterprise Taizhou Leapfrog Group broke its capital chain, founder Qiu Jibao submitted bankruptcy application to the government; in June, Zhejiang province "youth spark leader" and Yiwu golden Wu group chairman Zhang Zhengjian fled to avoid debts, leaving a comprehensive shutdown factory building and huge property black hole; the chairman of Zhejiang Dongzhou industrial group He Weidong broke away from hundreds of millions of families due to capital chain breakdowns, and fled to New Zealand with hundreds of millions of debts; Lishui Qingtian Real Estate Company chairman and overseas Chinese businessman Li Huanjun far away from Hangzhou; in July, the general agent of import KIA Zhejiang, the vehicle company of Zhongcheng automobile was preserved by court property, and all assets were sealed up.

According to the "first quarter financial situation analysis and reporting materials" provided by the Taizhou development and Reform Commission of Zhejiang Province, from January to March, a total of 28 enterprises involved in bank financing and business owners' escaping and hiding incidents occurred in Taizhou, which endanger the bank's claims by 218 million yuan.

In Yiwu, nearly 3 enterprises are facing bankruptcy because of the chain breaking of funds.

Li Zhangxin, President of the Yiwu toy industry association, said that the fragmentation of the capital chain of medium-sized private enterprises will affect the upstream and downstream businesses, especially the small businesses in the lower reaches. This kind of capital crisis will expand like waves of infectious diseases.

According to the investigation of relevant departments in Zhejiang Province, in the two quarter of this year, Zhejiang entrepreneurs' confidence index and business climate index decreased by 22.7% and 23.3% respectively, and the business climate index decreased by 22% compared with the same period last year.

The expert tip (H body, the same below): (K body, the same below) Zhuang Jian, senior economist at the Asian Development Bank, believes that maintaining the steady economic development and controlling price rise is the consensus of all walks of life.

On this basis, taking into account the factors of international inflation, the current financial regulation policy must be stable. At the same time, monetary policy will be more flexible, and it will tilt the policy towards some industries and enterprises to ensure stable economic growth.

Zhou Zhongming, director of the Shandong banking regulatory bureau, said that because some SMEs did not form their own core competitiveness in the market, coupled with long-term dependence on bank funds, the ability to resist risks was far from being strong for large enterprises and foreign-funded enterprises.

The character of its labor-intensive determines that once the money is tight and the macroeconomic environment changes, the survival chains of these enterprises will be broken.

At present, the production and operation of small and medium-sized enterprises have been on a downward trend, and this effect is extending step by step in the direction of Zhejiang and Jiangsu to Shandong.

High capital flows to high growth and innovative enterprises.

Ya Yi Yi Garments Co., Ltd. is a garment processing enterprise in Wenzhou. A few months ago, because of the lack of loans, general manager Liu Jun Bin reluctantly reduced the production scale of nearly 2/3 of the factory.

At present, his business is basically in a semi shutdown state.

"Last year, 30% of the money was not collected, not paid, but not for the time being."

Liu Junbin said.

"I borrowed my family to make up for the western family, and I made my own capital to maintain production."

"Yifan fast food" is a famous fast food restaurant in Yiwu, and later developed into a restaurant, accommodation as one of the enterprises, has been awarded the "Chinese restaurant" and "Zhejiang restaurant".

At the end of last year, Yifan fast food was responsible for escaping from the debt crisis.

In May of this year, the Yiwu court auctioned off "Yifan fast food" property for 16 million yuan.

It is an indisputable fact that raising the loan threshold and increasing the difficulty of loans.

The person in charge of the Wenzhou central sub branch of the people's Bank of China has made it clear that enterprises can easily get loans when credit is loose, but when the credit crunch is tight, banks first consider the support of competitive industries with high technology output and high added value, and strictly control new loans to products and industries with high energy consumption, pollution and resources.

This not only embodies the policy orientation of adjusting the economic structure, but also the realistic need of the bank's own business development.

In Qingdao, although Daming leather has successfully increased the rate of deep processing to nearly 90% in less than a year.

But shortly after the closure of a leather enterprise, local banks in Qingdao specifically investigated the leather industry's Daming leather company and urged them to return loans as soon as possible: leather like "two high one capital" industry has become the object of vigilance by banks.

In the Research Report of relevant departments, such a small and medium-sized enterprise is described as: "many years of operation, more bank loans, relatively single business varieties, and weak ability to deal with external risks."

In this regard, Yao Liang, assistant director of Hangzhou branch of China Merchants Bank, said: "while investing moderately, enterprises should upgrade and pform, deepen structural adjustment, promote innovation, and increase the added value of products, so it will be relatively easy for such an enterprise to get loans."

Recently, the Shandong banking regulatory bureau has chosen 6 cities in Yantai, Weifang, Zibo, Ji'nan, Linyi and Laiwu in the eastern, central and western regions under the jurisdiction of the economy, and investigated 32 banking institutions, including state-owned banks, joint-stock commercial banks, city commercial banks and rural credit cooperatives.