• <abbr id="ck0wi"><source id="ck0wi"></source></abbr>
    <li id="ck0wi"></li>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li><button id="ck0wi"><input id="ck0wi"></input></button>
  • <abbr id="ck0wi"></abbr>
  • <li id="ck0wi"><dl id="ck0wi"></dl></li>
  • Home >

    The Solution To The Financing Problems Of Smes Is Still Unsolved.

    2008/12/2 0:00:00 63

    Since the 27 of this month, the central bank has lowered the benchmark interest rate for the one-year RMB deposit and loan of financial institutions by 1.08 percentage points.

    Since December 5, 2008, the RMB deposit reserve ratio of the large deposit financial institutions such as ICBC, agricultural bank, Bank of China and China Construction Bank has been reduced by 1 percentage points.

    The magnitude of the interest rate cut and the intensity of its efforts have not been seen for 11 years.

    "Banks cut interest rates and our bags.

    footwear

    Textile and other labor-intensive small and medium-sized export enterprises have little relationship. In the eyes of many banks, we have been included in the other register, belonging to the category of restricted loans.

    Wang Xiangjun, general manager of Shanghai Dingxin bag and luggage Co., complained to reporters that the "latent threshold" already formed by the banking industry has long limited the way of loans for the vast majority of small and medium-sized enterprises. In addition, the impact of the international financial crisis has given the small and medium-sized export enterprises more risk and frost.

    This year, the relevant state authorities have repeatedly launched measures to help SMEs solve their financial difficulties.

    For example, the central government should increase investment, arrange special funds for SMEs, 3 billion 510 million yuan, and implement preferential tax policies.

    On the 26 day, the executive meeting of the State Council once again proposed that we should vigorously support the development of small and medium-sized enterprises, improve the guarantee system of small and medium-sized enterprises, and increase the support of bank credit.

    Data show that in major financial institutions, SME loans account for only 14.7% of the total loan amount.

    Over the past three years, although China's total credit volume has increased, the proportion of loans granted by SMEs has been shrinking.

    In contrast, the SME loan promotion policy lacks specific implementation measures, which is the most worrying thing.

    A recent survey showed that 58.2% of the chief executives of private enterprises admitted that enterprises' "tight funds" increased by nearly 15 percentage points over last year. 67.2% of private entrepreneurs were self financing, and nearly half of them believed it was very difficult to borrow money from banks.

    Beijing de Yu company applied for loans to banks in the first half of this year and mortgaged their own homes.

    But the bank has spent six months on the qualification and price appraisal procedures, and the final implementation of the loan is still on paper.

    From the perspective of banks, most SMEs lack capital, products are not stereotyped, market reaction is not clear, secured mortgage is difficult to place.

    Moreover, under the influence of external environment, the profitability of small and medium-sized export enterprises in China has sharply weakened.

    If its profitability can not cover the cost of loans, for banks, it means the deterioration of asset quality and potential large amount of bad debts. This is the biggest concern of banks in lending to SMEs, which further aggravates the financing difficulties of small and medium enterprises, especially small and medium-sized enterprises.

    "Funding disruption is more fatal for small and medium enterprises than for orders."

    Chang An, chairman of Gansu New Energy Investment Co., Ltd., Chang Gui, told reporters that the current economic situation is not good. Almost all pactions, especially the purchase of raw materials, can only be cash pactions.

    According to statistics, 99% of China's private enterprises are small and medium-sized enterprises. It is such a huge group that provides 75% of the new jobs in the whole country, and has created nearly 50% of the social wealth.

    But it is also such a group whose capital share is only 10%.

    Shortage of funds has become a "stubborn disease" of this disadvantaged group.

    Bao Yujun, chairman of the Chinese people's Political Consultative Conference and President of the China Economic Research Association, shouted at the Forum on "2008 China's industrial cluster and county economic development" recently. Land use difficulties, export tax rebate policy instability, the implementation of the new labor contract law, and the soaring and slump of raw material prices, roller coaster style, increased the cost of environmental protection, including the reduction in demand in Europe and the United States due to the turmoil in the US financial market, and the superposition of various difficulties, which made small and medium-sized enterprises experiencing the dilemma of "unbearable burden of life".

    Data show that by the end of 2007 to June 2008, the number of small and medium-sized enterprises and private enterprises has declined sharply, with the negative growth of seven provinces, and the situation faced by SMEs is extremely severe.

    There are also experts worry that the state's 4 trillion yuan to stimulate domestic demand measures may squeeze the share of loans for SMEs.

    Sun Mingchun, a senior economist at Nomura international, believes that the package of stimulus packages is large in scale, long in duration, stable in return, and has hidden protection from the government. Domestic banks may be more willing to lend loans to these government supported projects instead of lending them to SMEs, especially in today's uncertain economic environment.

    The central bank, by giving the small and medium-sized financial institutions a 2 percentage point reduction in the deposit reserve ratio, can be interpreted as releasing more liquidity to small and medium-sized financial institutions to promote greater credit support for SMEs.

    Editor: vivi


    • Related reading

    "Hundred Letter Shoes" Suspected Of Unfair Competition

    Finished shoes
    |
    2008/12/2 0:00:00
    72

    Financial Crisis: New Development Of Chinese Shoe Enterprises

    Finished shoes
    |
    2008/12/2 0:00:00
    70

    A Shoe Factory In Wenling Burst Into Flames.

    Finished shoes
    |
    2008/12/2 0:00:00
    73

    Tax Rebate Rate Increases Confidence For Shoe Companies

    Finished shoes
    |
    2008/12/2 0:00:00
    112

    Spring Shoe Companies Beat The Market By 3 Billion.

    Finished shoes
    |
    2008/12/2 0:00:00
    73
    Read the next article

    One Shoe Company Went Against The Market.

    主站蜘蛛池模板: 国产欧美久久一区二区| 大香焦伊人久久| 乱系列中文字幕在线视频| 男女一进一出猛进式抽搐视频 | 亚洲欧美精品伊人久久| 美女开嫩苞视频在线播放| 国产福利在线导航| 97热久久免费频精品99| 成人品视频观看在线| 久久狠狠高潮亚洲精品| 欧美人与动牲免费观看一| 亚洲色欲久久久久综合网| 绝美女神抬臀娇吟| 国产剧情麻豆剧果冻传媒视频免费| 18到20岁女人一级毛片| 大陆黄色a级片| 一出一进一爽一粗一大视频| 无码高潮少妇毛多水多水免费| 亚洲国产成人久久一区www| 激情图片小说网| 口国产成人高清在线播放| 韩国免费特一级毛片| 国产欧美日韩综合精品二区| 538prom在线| 国内自拍视频一区二区三区| www.日本在线| 成人区视频爽爽爽爽爽| 久久人人妻人人做人人爽| 91东航翘臀女神在线播放| 夫前被强行侵犯在线观看| 丝袜诱惑中文字幕| 挺进邻居丰满少妇的身体| 久久天天躁狠狠躁夜夜躁2020| 最近免费中文字幕中文高清| 亚洲国产日韩在线人成下载| 欧美黑人疯狂性受xxxxx喷水| 伊人色综合九久久天天蜜桃| 精品乱码久久久久久中文字幕| 啊灬啊灬啊灬快灬性| 久久人人妻人人做人人爽| 欧美aⅴ菲菲影视城视频|