See How "Silver Ten" Can Bring Leather And Other Enterprises Out Of Swamps
In June 14th, small and medium-sized enterprises made great contributions to the national economy in terms of employment and taxation.
Leatherwear
The development of small and medium-sized enterprises is often difficult, but when monetary policy is tight, the problem of financing is more serious.
Recently, the China Banking Regulatory Commission issued the notice on supporting commercial banks to further improve the financial services of small enterprises (hereinafter referred to as the notice).
Ten silver articles
"To solve difficulties in financing small businesses.
Will the notice increase banks' support for small businesses? Are those struggling small businesses like spring breeze or cold weather?
It is reported that the pressure of survival of small businesses has increased, but in the view of the overwhelming majority of people, it is not yet necessary to change the keynote of macroeconomic policy.
In addition, the bankruptcy of some enterprises is a normal phenomenon. The news of a large number of enterprises' bankruptcy is not exaggerated.
The results of the special investigation conducted by the Zhejiang banking regulatory bureau and the Wenzhou Banking Regulatory Bureau recently concluded that Wenzhou Enterprises
financing
The difficulty has increased, but overall is still within the expected scope of macro-control.
Wenzhou development and Reform Commission responsible person said that some enterprises now "shut down", but less directly affected by macroeconomic regulation and control policies, and more are caused by bad management and misconduct by entrepreneurs. In the process of industrial pformation and upgrading, some enterprises are eliminated. It is normal for some enterprises to be eliminated, such as leather and other high polluting enterprises which do not meet the environmental requirements, and some industries must be eliminated because of overcapacity.
"The financing difficulty of private enterprises is an old problem. It does not arise after monetary policy has been tightened.
Some competitive enterprises are eliminated and China's economic competitiveness can be improved. "
One analyst pointed out.
The first phase of SME Banking and financial services index of Shenzhen banking regulatory bureau pointed out that the difficulty of financing is not only related to banks, but also because of the poor financing of non bank channels: enterprises from other external channels account for only 1% of the bank's credit balance.
"In terms of monetary policy, we should reduce the rate of increase in the statutory reserve requirement ratio and avoid the accidental injury to the weak economic links of small and medium-sized enterprises and" three rural ".
In terms of fiscal policy, tax cuts for small and medium enterprises will reduce their operating costs.
In addition, we should further promote the pace of liberalization of the financial system and ease the financing difficulties of private enterprises.
A large commercial bank's policy is recommended for the second half of the year.
The CBRC said at the beginning of the year that the next phase will continue to improve financial services for small businesses from the following aspects: first, continue to increase credit support for small businesses; two, deepen the "six mechanisms" and improve the financial services institutions of small enterprises; three, research and formulate differentiated regulatory policies for small businesses; four, encourage banks to continuously explore small businesses' financial business models, including supporting large and medium-sized commercial banks to promote the "credit factory" mode, and realizing the standardization, standardization, process and mass production of financial businesses in small businesses, including supporting small and medium-sized banking financial institutions to practice orderly "Geo credit" mode, giving full play to geographical advantages and expanding the scope of community customer credit.
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