Shoe Companies: Bank Micro Credit Interest Rates Rise 3%

It is a long time for SMEs to get loans.

Since the beginning of this year, many small and medium-sized enterprises have been on the brink of death in the face of tight money, appreciation of the renminbi, rising prices of raw materials and higher labor costs.

At present, the relevant departments have begun to pay attention to the financing problems of SMEs, and have repeatedly implemented policies that are conducive to financing SMEs. After expanding the scale of credit, they allowed the rate of micro credit to rise by 3%.

But the effect of the policy depends on the attitude of the bank.

    銀行：小額貸款慎行

Not long ago, the central bank agreed to increase the credit scale of commercial banks this year, and the national commercial banks increased by 5% on the basis of the original credit scale and increased by 10% to the local commercial banks. Recently, the central bank, the Ministry of Finance and the Ministry of human resources and social security jointly issued the notice on further improving the management of small loan loans and actively promoting entrepreneurship and promoting employment. (hereinafter referred to as the notice), further relaxed the micro credit, making it clear that since January 1, 2008, the interest rate of the newly issued small guarantee loans issued by the financial institutions to the individual can be increased by 3 percentage points on the basis of the benchmark lending interest rate.

This provision means that banks can increase interest income on the original basis, but banks do not seem to be sensitive to the "floating rate of guaranteed loans 3%".

Deep development related personage said in an interview yesterday, they have been supporting small and medium enterprises, issuing good quality loans, small and medium enterprises bad loan rate is less than 1%.

China Merchants Bank said yesterday in its semi annual performance press conference that the small business credit of China Merchants Bank has always been carried out professionally and will not "blindly blossom everywhere".

Because of the high risk of loans from small businesses, the Bank of China has taken prudent measures to make loans to small and medium-sized enterprises. In general, loans to SMEs will not change much.

A bank that does not want to disclose the name does not easily change past lending measures. Banks need to strike a balance between the 3% interest rate and the risk of lending.

More people in the industry have told reporters that in fact, many banks are worried about giving loans to SMEs, or they will become "severance payments" to businesses that are about to fail.

    中小企：利率上浮也愿意借

Reporters yesterday interviewed a number of small and medium-sized enterprises in Dongguan boss, they have confidence in their industry, but the funding problem has been a problem.

Owner of a shoe company in Dongguan told reporters that the original funds were not enough. Under the pressure of rising prices of raw materials and raising labor costs, they became more thirst for capital.

Many enterprises are willing to drink poison to quench thirst and borrow usury.

Li Yongsen, a professor of Finance and Securities Research Institute of Renmin University of China, believes that these small and medium-sized enterprises have seen their own industry prospects. Although interest rates have increased the pressure to repay loans, if they can borrow money from banks, they will still borrow, and the floating up of 3% is much lower than that of private loans.

    專家：銀行風險沒有太大變化

SME financing is facing difficulties not only in China's national conditions.

From the law of the development of small and medium-sized enterprises to large enterprises, the financing difficulty of small and medium-sized enterprises is a difficult problem in the world.

Floating 3% interest rate has made commercial banks get some compensation, but its loan risk has not changed much.

Although to a certain extent, it will increase the enthusiasm of bank lending, but is it enough to improve the "3%"?

Li Yongsen believes that banks also need to re evaluate the risks and benefits.

If a commercial bank feels that the interest rate offered is not enough to compensate the risk coefficient, it will not lend easily.

The financing of small and medium-sized enterprises can not be considered only from the perspective of monetary policy or banking. Li Yongsen believes that fiscal policy can solve problems more effectively than monetary policy in promoting the development of SMEs.

For example, if SMEs are in a relatively good tax environment, commercial banks will reduce the risk rating of SMEs when issuing loans.