Dongguan Will Open "Financial Supermarket" To Help Enterprises Finance.

"Small and medium enterprises in the first half added

Wang Hongxing, deputy director of Dongguan Banking Regulatory Bureau

Enterprises should enrich their financing methods.

In addition to bank financing, enterprises can also raise funds through the capital market, such as listing and financing, equity financing, securities financing, property rights trading, bond financing and other financing channels.

Establishment of an industrial Guarantee Corporation

Wang Minghua, vice president of Ping An Bank Dongguan branch

From the perspective of industry, it is suggested that an industrial Guarantee corporation be set up to guarantee enterprises in a certain industry.

On the other hand, it is possible to set up a self financing organization of industry financing for group financing approval.

Zhou Xiuwen, Assistant Investigator of the Dongguan branch of the people's Bank of China:

Lending to SMEs is accompanied by risks and opportunities.

Supporting small and medium-sized enterprises is risky, but risks and opportunities coexist.

Banks and other financial institutions must grow together with small and medium-sized enterprises in the process of supporting the development of enterprises.

Financial supermarket

Actually, it is a network financial supermarket which lists all financing products (services) of banks and other financial institutions for the needs of small and medium-sized enterprises.

Present situation

SME loans increased by 12 billion 161 million in the first half year

In the first half of this year, our city's support for small and medium-sized enterprises increased significantly.

Reporters learned from the forum, according to the people's Bank of China data show that in the credit side, as of the end of 6 this year, Dongguan City SME Loans Balance of 184 billion 300 million yuan.

Among them, the balance of loans for small and medium enterprises increased by 24% over the same period. In the first half of this year, new loans for SMEs increased by 12 billion 161 million yuan, accounting for 75% of all corporate loans.

In terms of credit investment, small and medium-sized enterprises are the main ones, which are consistent with the industrial structure of our city.

In terms of credit guarantee, as of the end of 6 this year, 51 guarantee agencies were registered in our city, with a total guarantee amount of 60 billion 318 million yuan (including 32 billion 606 million yuan of loan guarantees), with 2268 households and 3879 pens.

In addition, according to a survey conducted by the municipal SME Bureau, compared with the first half of 2010, the balance of loans for small and medium enterprises increased substantially at the end of the first half of 2011, with an increase of nearly 20%.

SME loans account for about 60% of total bank loans.

Small and medium-sized businesses account for a large proportion of the overall banking business, and the banking institutions are quite different. Some banks, such as CITIC Bank, have a relatively high proportion of small and medium-sized businesses, accounting for more than 90%. However, some banks account for a relatively low proportion, about 20%.

It is learnt that at present, the banking institutions in our city set up special credit departments to serve SMEs, mainly in the following three forms.

These include the establishment of specialized credit departments (including credit departments for small and medium enterprises, credit departments for small businesses, small business financial centers, etc.), the establishment of small business financial institutions, and the establishment of specialized management groups or marketing groups under the company's business department.

Problems of small and medium enterprises lending rates rise

Due to tightening monetary policy, the central bank has raised the deposit reserve ratio and interest rate several times in recent years. The financial stress of small and medium-sized enterprises has been aggravating, and the financing cost of enterprises has gone up.

The Forum revealed that since the beginning of this year, small and medium-sized enterprises have encountered problems of "two high and two low" (high financing cost, high financing threshold, low financing satisfaction rate, low proportion of direct financing) and so on.

Wang Hongxing, deputy director of Dongguan Banking Supervision Bureau, believes that SMEs are generally lack of asset collateral. In the Guarantee Corporation, the cost is relatively high, because many SMEs lack collateral and financial management is weak, so it is difficult to get mortgage loans, and can only turn to high cost financing.

Wang Hongxing revealed, statistics show that in the first half of this year, private lending in our city accounted for 27.27% of SME financing, up 4.62 percentage points from the beginning of this year.

In addition, in April this year, the investigation of relevant departments in our city showed that the lending rate for small businesses was 6%~8.4%, up by 0.7~2 percentage points over the same period last year.

In addition, the financial stress of SMEs has been increasing.

The financing difficulty of small and medium-sized enterprises has changed from single factor to multiple factors in the past. It has been concentrated on "two high and two low". The financing channels of SMEs still focus on traditional credit and indirect financing. Through the stock equity, intellectual property financing, venture capital and collective bills, the financing of small businesses is relatively small. Most SMEs obtain capital through bank credit and their own accumulation.

Measures

"Financial supermarket" will be opened on this year's financial service day.

Wang Minghua, vice president of Ping An Bank Dongguan branch, believes that information asymmetry between banks and enterprises is a major sticking point for financing difficulties of SMEs in our city, and has also become the focus of attention of banks and small and medium enterprises.

According to Chen Xiyun, chairman of Dongguan sunshine Mdt InfoTech Ltd, some banks do not know which SMEs need financing, and SMEs also do not know which financing projects the bank can provide and how much financing they can offer.

Because some banks' financing products are too professional, and some entrepreneurs in our city do not know much about financial products, which leads to "some bank products become" heavenly books ", and owners do not understand them.

In this regard, Huang Yi, deputy director of the Municipal Bureau of letters and deputy director of the Bureau of small and medium sized enterprises, believes that every year, activities can be organized through specific time to promote communication between the three sides of government, silver and enterprises. In the future, financial services day activities should be built into a platform for bank enterprise dialogue, and the brand activities recognized by enterprises will further promote the financing of small and medium-sized enterprises in our city.

In terms of specific measures, Huang Yi disclosed that, next, the municipal SME Bureau will embark on the establishment of a "financial supermarket" and start the financing research of SMEs and pillar industries in China, so as to effectively promote the level of investment and financing services.

It is reported that the "financial supermarket" will be officially opened on this year's financial services day.

Huang Yi said that based on the strengthening of research and analysis, the city will start research on financing for SMEs and pillar industries, create a "SME prosperity index", scientifically analyze the growth, performance, operation and risk of SMEs, grasp the trend of enterprise development regularly, and promote enterprises to operate more rationally and scientifically, so as to provide basis for decision-making of bank institutions.