• <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 >

    Financing Is The Chief Culprit Of "Short-Lived" In Smes.

    2011/3/2 10:02:00 66

    Financing Smes Short Life

    The financing difficulty of small and medium-sized enterprises is a worldwide problem.

    In China, the financing problem of SMEs is more prominent.

    Most of the small and medium sized enterprises fail because of lack of financial support.

    Although governments at all levels and the financial system have made a lot of efforts to solve the financing problem of small and medium-sized enterprises, the difficulties still exist.


    In China, there are more than 4200 SMEs, with an average life expectancy of only 3 to 4 years.

    Why are these companies short lived? There are many reasons for this. One of the important reasons is China's financial system.


    As we all know, China is a financial system with credit banks as its main body.

    credit

    The assets of banks account for about 80% of China's financial assets.

    In order to be accountable to the depositors, the nature of the credit banks is to love the rich and the poor, and to pursue the absolute low risk. The risk assessment of the SME loan is very large, and the management cost after the loan is high. Especially, the bad loan rate of about 12% of the small businesses is still higher than the average non-performing loan rate of the whole banking industry.

    According to the banking industry, "a 5 million yuan SME loan and a 500 million yuan big business loan yield differ 100 times, but it takes much time and effort.

    In practice, due to

    Small and medium-sized enterprises

    Financial information is opaque and has to be checked repeatedly for its inventory and electricity consumption. The operation time is often longer than that of large enterprises. "


    More experts believe that, because SMEs are not strong enough to resist risks, the overall risk is high and the mortality rate is high, banks should be accountable to depositors and it is impossible to invest large sums of money in high-risk areas.

    Moreover, small and medium-sized enterprises generally have low credit level and business owners generally evasion of taxes.

    More importantly, because of the lack of collateral in general, lending to SMEs is bound to lead to additional risks relative to lending to large enterprises.

    Obviously, it is reasonable for credit banks to lend money to SMEs.


    The key to the problem is that China's financial system, which takes credit bank as its main body, occupies the vast majority of financial resources, and other financial institutions are not developed.

    A survey by the people's Bank of China shows that 98.7% of China's SME financing comes from bank loans.

    This shows that narrow financing channels lead to small and medium-sized enterprises.

    financing

    Only "one road in Huashan" can go.

    Therefore, most SMEs must finance in credit banks. Most SMEs are losers of credit bank financing and have to suffocate.


    China's financial system, with credit bank as its main body, has become the primary cause for the suffocation of small and medium-sized enterprises.

    At present, when we solve the problem of financing difficulties for SMEs, we still insist on credit, such as the establishment of various types of small banks and the implementation of small loans in all kinds of ways. There is still no way out of credit to support SMEs.

    Although China has set up a technological innovation fund for SMEs and an international market development fund, it is difficult to meet demand because of its limited number and limited scope of services.

    Therefore, the financing difficulty of SMEs has not been alleviated.


    In the long run, reforming our financial system is the fundamental way to solve the financing difficulties of SMEs.

    But the urgent task is to complete the legal protection system and the government support system, improve the venture capital system, broaden the channels for direct financing, and smooth out the exit channel of venture capital.

    In this way, small and medium-sized enterprises can develop and grow through equity financing.

    • Related reading

    Sewing Machine Industry: Emphasis Should Be Laid On Self-Discipline And Innovation.

    Industry Overview
    |
    2011/2/28 8:43:00
    45

    The Per Capita Possession Is 2-3 &Nbsp, And The Down Garment Industry Has Reached The Market Prospect.

    Industry Overview
    |
    2011/2/25 8:43:00
    92

    產學研結合為我國紡織業技術創新提供了重要支撐

    Industry Overview
    |
    2011/2/23 8:37:00
    34

    Entangled In &Nbsp; The Hardships That Clothing Industry Must Say.

    Industry Overview
    |
    2011/2/22 18:09:00
    56

    From Simple Labor To Complex Labor Upgrading To See How The Textile Industry Can Provide "12Th Five-Year"

    Industry Overview
    |
    2011/2/22 8:48:00
    44
    Read the next article

    Global Cotton Usage Will Increase By 3% In Fiscal Year 2011-12

    The US Department of Agriculture said in its latest report that cotton consumption in 2011-12 is expected to grow by 4-5%, which will be lower than world economic growth for second consecutive years.

    主站蜘蛛池模板: 国产精品区一区二区三在线播放| 亚洲春色第一页| 午夜福利一区二区三区在线观看 | 西西人体44rtwww高清大但 | 狠狠色综合网站久久久久久久高清 | 久久久久久国产精品免费免费男同| 99ri在线精品视频| 精品偷自拍另类在线观看| 日本护士xxxx爽爽爽| 国产精品_国产精品_国产精品| 免费a级毛片无码专区| 中文字幕无码日韩专区免费| 黑人巨大精品欧美一区二区免费| 欧美精品黑人粗大| 天堂网在线最新版www| 午夜寂寞在线一级观看免费| 七次郎在线视频永久地址| 蜜桃97爱成人| 无码人妻精品一区二区三18禁 | 精品久久免费视频| 成年人在线看片| 国产三级在线观看播放| 久久综合狠狠色综合伊人| 日本一二三精品黑人区| 欧美性videos高清精品| 国内精品免费视频自在线| 伊人久久精品一区二区三区| 一区二区三区国产精品| 美女一级毛片毛片在线播放| 无码日韩精品一区二区免费| 可播放的免费男男videos不卡| 久久91精品国产91| 色天使亚洲综合一区二区| 日日碰狠狠添天天爽超碰97| 国产伦精品一区二区三区四区| 久久精品国产色蜜蜜麻豆| 国产鲁鲁视频在线播放| 日韩视频免费在线观看| 国产成人久久综合二区| 久久综合伊人77777| 花季传媒app免费版网站下载安装|