Big Banks Need To Bend Down To Serve Small Businesses.

Under the background of "financial disintermediation" of large enterprises, banks are very keen on SMEs. financing Demand has intensified credit leaning. But at the same time, under the background of tight monetary policy and tight credit resources, the financing of SMEs still faces financing difficulties and expensive predicament.

Zhu Xiaohuang, vice president of Construction Bank of China, said at the forum of outstanding SME development held in Dongguan, Guangdong, 21, to solve the "financing difficulties" of small enterprises, we must first solve the problem of "financing high" by small businesses, and do not treat small businesses as banks' "rocking Qian Shu".

　 New financing for small business loans is still hard and expensive.

In recent years, small and medium-sized enterprises have developed rapidly, and have become an important engine of economic development. Data show that the current national industrial and commercial registration of 10 million 300 thousand corporate enterprises, small enterprises accounted for 82%, compared to five years ago, an increase of about 10 percentage points.

Meanwhile, Small and medium-sized enterprises Credit growth is fast. Zhu Xiaohuang said that in the first eight months of this year, new loans for SMEs nationwide accounted for about 60% of all enterprises' loans. Among them, SME loans increased by nearly 70%, and nearly doubled five years ago.

It is reported that the average loan growth of small business enterprises has increased by 40% in the past three years. At present, it has accumulated 1 trillion and 400 billion yuan of credit funds for 160 thousand small business customers, and has indirectly provided over 20 million jobs.

Even so, the financing of SMEs is still a problem that can not be ignored. Qi Liran, Deputy Secretary General of the China SME Association, said at the forum that as SMEs sprung up vigorously, financing remained the bottleneck of their development.

"Especially in recent years, the United States, Japan and Europe are facing a downturn in the economic situation. Trade Protection causes some small businesses to face export pressure and other business problems. Qi Liran said, "at the same time, the domestic inflation index has not improved significantly, resulting in increased financing costs. In addition, the pressure of RMB appreciation is increasing, especially for some export oriented SMEs.

According to the relevant departments of the Construction Bank, the average interest rate of SMEs financing through state-owned commercial banks is 8.02%, while that of large enterprises is 6.65%. The average interest rate of small and medium enterprises in shareholding commercial banks is 10.15%, the average interest rate of small loan companies is 17.33%, and the average interest rate of private lending is 35%.

"Small businesses are not" rocking Qian Shu ". They should not regard small businesses as" monk meat "made by banks for money, but blindly pursue high fees. Zhu Xiaohuang said that to solve the "financing difficulties" of small businesses, we must first solve the "financing expensive" of small businesses. Small business customers are small in scale and weak in risk resistance. If they only consider making money, they will increase their financing burden too much.

　 Big banks need to "bend down" to serve small businesses.

Liang Wei, chairman of Shenzhen Jin Bai Tai Jewelry Co., Ltd., told reporters: "we do not have collateral, the house is rented, the land is also rented, and the capital is mobile. According to past mortgage requirements, it is very difficult for us to borrow money.

For a long time, large state-owned commercial banks have generally regarded large enterprises as the main customers. If we want to quickly realize the transformation from "big barriers" to "Pro small businesses", we need to create a whole set of models, processes and products that are different from big enterprises and specializes in developing small businesses.

"Big banks serve small businesses. They must" bend down "from the past only in the" office "negotiations, turn to the community, close to customers, fully understand the characteristics of enterprises and business owners. Zhu Xiaohuang said.

Zhao Xijun, a professor of finance at Renmin University of China, said that small businesses need to establish a set of rating models and standards different from big enterprises. They should pay more attention to their risk factors such as asset status, owners' credit and preferential policies. {page_break}

In response, Yujiang chief executive of the small business department of CCB said: "we launch a credit loan for a specific small business customer. The loan amount is 5 million yuan, 1 million yuan, 100 thousand yuan and below. Although there is no need for mortgage guarantee, our credit officers need to invest their energy in the early stage to pay attention to the business status and asset status of enterprises, especially the credit records of owners themselves.

　 Small businesses need to build information platform for risk prevention and pay attention to probability of large numbers.

Jin Yanmin, governor of Guangdong branch of CCB, told reporters that although banks want to actively expand the services of SMEs, they are suffering from information asymmetry. The difficulty of risk prevention and control is still under pressure. "At present, small businesses are scattered in information, registration information, customs information and consumption information are managed by different management departments, lacking a unified information platform, so it is difficult for banks to master information."

Qi Liran believes that the current constraints on small business financing also stems from the information asymmetry between banks and small businesses, and the lack of efficient, authoritative and comprehensive third party assessment of small business credit.

"Banks mostly consider two aspects of financing for small businesses: cost and risk. If banks can cooperate with the association to set up a credit evaluation system for small businesses, the clients will be recommended by the association in the early stages, laying the foundation for the financing of small businesses, and providing the risk monitoring data of banks at the later stage, so as to save banks a lot of costs. Qi Liran said.

"Small business risk management means to have new measurement methods, to meet the characteristics of small enterprises." Zhu Xiaohuang believes that the risk management of small businesses should be based on the law of large numbers of default probability. Do not worry about the risk of individual cases. In the tolerance, risk cases are normal phenomena in business operation. For more than tolerance, we should adjust the access conditions, process and risk mitigation methods.

According to introducing, at present, the bad rate of small businesses in Construction Bank is 0.99%, which is lower than the bad rate of public loans, or even the bad loan rate of all loans.