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    Enterprises In The Pearl River Delta Are In Urgent Need Of More Than 2 Billion Dollars.

    2008/10/31 0:00:00 73

    Just like losing elastic rubber bands, the capital chain of many export enterprises in the Pearl River Delta will break down almost at the moment.

    Under the impact of the financial tsunami in the United States, the financial crisis of SMEs is coming more fiercely than ever before.

    It is understood that there are millions of small and medium-sized private enterprises plus foreign capital in Guangdong, and the potential capital demand is more than 2 billion yuan.

    In order to solve the problem of funds, many small and medium-sized enterprises have to seek a high risk of private financing, but the resulting usurious usury is also a frequent occurrence.

    In fact, the scale of private capital in Guangdong is huge, but it can not play a positive role in the emergency of the enterprises in the Pearl River Delta. The experts call for private capital to be collected as soon as possible, so as to alleviate the predicament of financing difficulties for SMEs, and solve the urgent need of enterprises through the "hematopoiesis" of private capital.

        資金需求缺口2萬億  3成外向型企業難過冬

    After the closure of two large toy factories in Zhangmutou town, Dongguan, all the wind and grass have left material suppliers with no signs of cicadas.

    Xue Xiaowei, deputy director of Shenzhen Guanlan toy factory, told reporters, "suppliers are worried that once they fail, they will not receive money, so the payment period will be shortened from 90 days to 60 days, which will make capital turnover of production enterprises even more difficult."

    As a matter of fact, the closure of two toy factories in Zhangmutou town of Dongguan, which is the most recent concern of Hong Kong listed companies, is due to the fragmentation of the capital chain.

    Xue Chang Chang said that the general practice is to open a letter of credit before shipment, and the factory can get a letter of credit to apply for loans from the bank to purchase raw materials.

    However, under the financial tsunami, banks tightened the standards of loan assets examination for export enterprises, especially the letter of credit issued by banks in the United States.

    "If a person in charge of a business openly refers to the fact that the capital is not working well and the financing of the bank is difficult.

    The supplier came to the wind in second days, and the purpose was to urge debt.

    Xue Xiaowei said.

    Mr. Lin, assistant general manager of a large textile enterprise in Guangzhou, told reporters that it may not be related to the financial tsunami, but the financial strain of enterprises is especially prominent in the near future.

    He said that before the Olympic Games, many textile and raw material manufacturers stopped production, resulting in a sharp rise in raw material prices by 5. Many textile enterprises were worried about insufficient supply of raw materials and soaring prices after the Olympic Games, so they put all their cash in advance and hoarded large quantities of raw materials, resulting in a tight working capital fund.

    According to incomplete statistics, the current capital demand gap of SMEs in the Pearl River Delta is 2 trillion yuan.

    Xue Xiaowei told reporters that in the case of shrinking everywhere, a factory worker's two month salary gap would be enough for businesses to go bankrupt.

    Take a factory with 6000~7000 workers, for example, the wage cost of two months is about 20 million yuan.

    When the industry is in a healthy development cycle, 20 million yuan is not enough for a large scale enterprise.

    "We have just completed the first draft of the" Pearl River Delta extroversion enterprise survival report "survey, which shows that the survival situation of export-oriented enterprises is rather bad. At the end of this year, 30% to 40% of enterprises may fail. The reason for this is that capital shortage is an important reason besides the weak export market, falling export prices and rising costs.

    Li Youhuan, deputy director of the Institute of industrial economics of Guangdong Academy of Social Sciences and professor of economics, told reporters.

        企業尋求高利率解困  潛藏風險日益增加

    The more money is needed, the more difficult it is for SMEs to borrow money.

    On the one hand, it is constrained by the complexity of the loan approval procedure of state-owned commercial banks. Even if it can lend, the loan amount is small and the time limit is short. From the perspective of private enterprises, their immature and irregular enterprise system also results in banks' reluctance to provide good financing services.

    Zhong Haosen, assistant general manager of Guangdong textiles import and export Limited by Share Ltd, said that if the factory had a factory mortgage, it would generally be able to successfully lend to the bank.

    However, small and medium enterprises mostly rent factories, and no assets can be mortgaged when they need funds.

    He acknowledged that most of the foreign trade businesses could only rely on their own funds to solve the problem.

    Many people think of private lending at the time of "water immersion eyebrow".

    Axin has worked in Guangzhou for many years, and he told reporters that in recent years, many small and medium-sized factories have been looking for private lending to help them.

    According to him, the current interest rate is about 3 monthly interest rate, with an annual interest rate of 36%, while commercial banks cut interest rates yesterday, and the interest rate for one-year loans is 6.66%.

    However, in the economic downturn, private lending is also worried that money can not be recovered after loans.

    Axin told reporters, "it is unsecured loans, but we usually require cars, houses, or gold and silver jewelry as collateral. Now even if we open BMW, we won't be able to borrow much money."

    Because of the high interest rate, concealment, and the difficulty of supervision, the risk of private lending is increasingly apparent.

    According to the Xinhua news agency, due to difficulties in operation and tight funds, some SMEs are forced to borrow money from the public at high interest. Since this year, the situation of phagocytosis of small and medium-sized enterprises by private usurious loans has occurred in various parts of Guangdong, causing some unstable factors.

    Two months ago, Huidong County occupies nearly 20 acres, has 3 production lines, the annual output value of more than 30 million yuan of the Long Wei shoe company, because of arrears "big ears" money, profits, enterprises can not repay, overnight, the company's operator Yang Xing and the whole family fled, leaving only empty factories and a group of workers.

        廣東潛藏巨額民間資本   專家呼吁盡早“激活”

    On the other hand, the enterprises in the Pearl River Delta have no money to borrow money, but they have to borrow money from the public at high interest. On the other hand, Guangdong's huge private capital can not be activated.

    In fact, Guangdong private capital has tried to break through the "defensive line" in the financial field again and again.

    Since the start of the pilot project of Zhejiang microfinance company, a number of financial institutions in Guangzhou, Shunde and Dongguan have submitted applications for microfinance companies to the relevant parties.

    At the beginning of this year, 11 private entrepreneurs in Guangzhou suggested the establishment of private banks at Guangzhou two meetings. After that, the Federation of industry and Commerce of Guangdong province said that it would lead the preparation of the Cantonese commercial bank with private capital as the main body to break the "difficult financing" predicament of small and medium-sized enterprises.

    However, reporters recently learned from the Provincial Federation of industry and Commerce concerned that due to lack of policy support, the construction of Guangdong Commercial Bank may be temporarily shelved.

    Chang Lin, director of the Institute of enterprise management and Decision Sciences of the Guangdong Academy of Social Sciences, said that the preparation of a new enterprise will be more conducive to the growth of new enterprises in the rising period of the industry. At the moment, the financial environment is not very good, which may be the reason why the Guangdong Commercial Bank is preparing to shelve.

    Professor Li Youhuan is very puzzled about this: "Zhejiang has been innovating in the financing of small and medium-sized enterprises. This year is the first to test the water small loan companies. Why has Guangdong not been able to act in this respect?"

    Experts believe that rather than waiting for commercial banks to "blood pfusion", it is better to use their own capital to make their own blood supply. This move can not only revitalize Guangdong's huge private capital, but also ease the predicament of financing difficulties.

     

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