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    Zhejiang SME Financing Chain Is Tight &Nbsp; To Explore "Online Credit".

    2011/6/8 9:06:00 54

    Fund Financing Online Credit

      

    financing

    Difficult, RMB appreciation, raw material prices, labor costs rising, power sluice and other factors.

    Changjiang Delta

    Small and medium-sized enterprises in the region.

    Reporter in

    Zhejiang

    The interview found that there was not a lot of stop and stop production at present, but financing difficulties are indeed a major problem for SMEs. Enterprises, banks and governments are trying to break through the difficulties, including exploring "

    Online credit

    And other financing models.


    Capital chain tension


    Zhejiang small and Medium Enterprises Bureau responsible person in an interview with reporters, said that there is not a large number of stoppage and shutdown phenomenon, but financing is indeed the most central issue facing SMEs.


    According to the statistics of Zhejiang SME Bureau, at present, there are more than 100 SMEs in Zhejiang Province, but there are only 10 000 SMEs in all financial institutions in the province. Financing difficulties have been restricting the development of SMEs.


    "Some enterprises cause business difficulties because of their own causes, and can not be entirely attributed to macroeconomic regulation and control."

    People familiar with the matter said that in Wenzhou, business owners had broken the capital chain due to gambling, and some enterprises had been making cables, but they had been involved in real estate and were affected by the market policy.


    "It is an indisputable fact that small and medium-sized enterprises have tight capital chain, small profits, poor operating conditions and even difficulties in survival."

    Dongfang Light Industrial Co., Ltd. Li Zhongjian introduced.


    The rising cost of labor and raw materials has forced enterprises to improve their production technology, improve their technological content and add value to their brands.

    Ma Yichen, general manager of Zhejiang Bole knitting company, said: "the enterprises do their own brands and are less affected by the outside world."

    He currently has two clothing brands and tries to do chain operations.


    According to the insiders, the development of SMEs is faced with the problem of "three no three, three high and a thin" problem, namely, "no brand, no channel, no sales volume" + "lack of funds, lack of talent, lack of management" + "high entry fee, high rent, high discount point" + "thin profit".

    This is the traditional business model for the development of enterprises to bring "layers of barriers."

    If SMEs want to break the shackles of old business models, they need to support new business models to solve these problems.


    In May 4th, the Ministry of industry and Commerce informed the competent departments of various provinces and municipalities to conduct a survey on the financing situation of small and medium-sized enterprises, involving 16 contents, namely, the funding gap of small and medium-sized enterprises, the real interest rate of private lending, and the number of small and medium-sized enterprises closed down due to the broken capital chain.

    According to the statistics of the Ministry of industry and commerce, the loss of SMEs above Designated Size reached 15.8% in the first two months of this year, an increase of 0.3% over the same period and a 22.3% increase in the amount of loss.


     

    Exploring "online credit"


    It is undeniable that financing difficulties of enterprises have become a common problem faced by SMEs in Zhejiang.

    A report from the Zhejiang Banking Regulatory Bureau showed that the scale of available credit in Zhejiang (excluding Ningbo) was 12% lower than that of last year, while private interest rates increased.

    According to the monitoring of Wenzhou branch of the people's Bank of China, the comprehensive interest rate of private lending in Wenzhou rose 11.91% in the first quarter, a 8 percentage point increase over the fourth quarter of 2010, and the cost of financing of enterprises increased significantly.


    Local governments, banks and guarantee agencies are also seeking countermeasures for financing.

    Huang Shoujun, director of small and medium enterprises of Wenzhou economic and Trade Commission, said that they are docking with banks and recommending SMEs to banks.


    Zhao Hongwei, general manager of Zhejiang Zhongxing Company limited by guarantee, said in an interview with reporters that Zhejiang's ZTE guarantee is the first guarantee organization to intervene in online credit business.

    In order to solve the problem of tight bank loans and small and medium enterprises loans, Zhejiang ZTE guarantee, CCB Zhejiang branch and global network partners signed a cooperation agreement. ZTE secured 1 billion 220 million yuan credit, and launched the "quick loan" online credit business for SMEs in Zhejiang province.


    "Small and medium enterprises with loan demand do not need to run collateral, do not run the bank, and only need a little mouse to get the maximum amount of 20 million yuan credit guarantee loan."

    Zhao Hongwei said that when the application materials were handed over to the enterprises, the loans could be handed out very conveniently after investigation and verification by the staff.

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