The New Year Is Close To &Nbsp; The Shoe And Clothing Enterprises' Financing Is In Danger Again.

The financial reform of private lending and small and micro enterprises has not been effective.

Folk worries are not worrying.

The Wenzhou municipal government reported that the collapse of business capital chain caused by shoes and clothing and the phenomenon of business owners may also appear in some areas.

A local official in Wenzhou said that the company's dilemma will last until the first quarter of next year.

In fact, in response to the possible "end of the road" resurgence at the end of the year, the Wenzhou municipal government has started a large-scale exploration of the 17 industries.

Limited aid for banks

"Loan for two months has not been approved yet."

Lao Liu, the boss of a shoe factory in Wenzhou, complained that the government asked banks not to draw money or lend money to encourage banks to increase their credit to small and micro businesses.

Lao Liu's shoe factory is a typical small and micro enterprise. The factory has more than 30 workers, with annual sales of $4 million.

The 700 thousand yuan loan he applied for is mainly for the purchase of raw materials for an order next year. If the loan is not approved, he can only give up the order, which will make him in a difficult position next year.

In Wenzhou, many business owners are facing the same situation as Lao Liu.

Faced with the predicament of small and micro enterprises, the government has made efforts to rescue, requiring banks to increase support for small and micro enterprises, but the small and micro enterprises that can benefit are still limited.

Zhou Dewen, President of the Wenzhou Association of small and medium enterprises, told reporters that the sources of funding for enterprises are still very tight. Various financial institutions have announced some additional loans. In fact, most enterprises, especially small and micro enterprises, can not enjoy them at all, nor can they obtain loans from banks.

A banking related person in Wenzhou said that after the crisis, the regulatory authorities had strict supervision over the credit lines of each bank, and each bank must make a report on the flow of funds and make loans to those enterprises that do business.

But at the same time, he said frankly, whether commercial banks or state-owned banks, the nature of their businesses can not be changed. Banks need to support enterprises that have knowledge of them.

"Our capital is derived from depositors, and banks are accountable to depositors. We have to pay loans according to our business principles."

Some analysts have pointed out that there is a paradox between the government bailout and the commercial lending of banks. If the bail market is to be identified as a commercial activity, there are many contradictions in the strategy itself, and no one is willing to give up profits.

The Bank of Wenzhou said that for the time being, the main support of bank loans is state-owned oriented and normal running enterprises. Some growing, technology oriented small and medium enterprises will give priority to the benefits, and they can enjoy the support of government loan funds and mutual aid funds, but those with high energy consumption and high pollution will be eliminated.

Zhou Dewen, who has always appeared in the image of Wenzhou's small and medium enterprises, is also saying that the state will not save all small and micro enterprises, and it can only save the better growth enterprises.

However, Zhou Dewen also pointed out that the current rescue measures are still a temporary solution. "Small and micro enterprises in Wenzhou account for more than 90%. A large amount of public policies should be introduced to reduce taxes for SMEs."

Zhou Dewen added that the existing financial system is to serve large and medium-sized enterprises. To fundamentally solve the survival crisis of SMEs, we must thoroughly reform the financial system.

Credit crisis intensifies

In addition to bank direct loans, another source of funding for small and micro enterprises is microfinance and Guarantee Corporation.

But the reality is that enterprises are also hard to get enough help from these institutions.

Mr. Zhang, who has been engaged in many years' guarantee business, thinks that the end of the year is a sharp increase in the demand for capital, but this time this year, it is more dangerous to participate in lending.

"Now the boss's" run on the road "incident continues, many of the borrowers may be ready to" run ".

So we all tighten our pockets and wait for the government to save.

In fact, the aggravation of the credit crisis has not only occurred in the above-mentioned financial institutions, but also the occurrence of the private lending crisis in Wenzhou, to a certain extent, undermining the Wenzhou's folk trust system.

Recently, private lending has almost ceased between businesses and individuals that have been popular in Wenzhou. Most Wenzhou people are optimistic about the government's rescue efforts.

A warm Shanghai businessman, who has long supported Wenzhou's townships, believes that Wenzhou is a model of China's reform and opening up and the private economy. The government will inevitably save the market to the greatest extent. Moreover, once a large number of Wenzhou private enterprises fail, they will directly lead to a large amount of bad debts, so the banks will also increase their credit support.

"Before the crisis, our private investors need not take any more risks."

At present, there is a joke in Wenzhou, saying that after the end of the year, the jumping building of the jumping building, the running road of the road, all have been cleared away, and those who can survive can get the money.

So, now we are covering our pockets, not borrowing money, not showing off wealth, waiting for substantive rescue policies.

Related people pointed out that compared with the shortage of funds, the idea of kidnapping the government and passive waiting seems even more terrible.

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Zhou Dewen also stressed again and again: "credit crisis is more serious than financial crisis and production crisis of small and medium-sized enterprises, and the whole social credit is lost. This is terrible.

Enterprises do not believe in banks, banks do not believe in enterprises, bank loans even if they expire, do not dare to return, also can not lend, enterprises will die immediately.

Blocking is not as good as sparse.

On the one hand, the industry is short of money. On the other hand, there is still a large number of surplus funds which can not reach the hands of industry.

For the flow of private capital, the Zhejiang provincial government believes that blocking is not as bad as sparse.

In December 7th, Zhejiang promulgated the first domestic guiding and regulating measures for private financing management, namely, some opinions on strengthening and improving private financing management (Trial Implementation). The purpose is to guide and regulate the behavior of private financing and give full play to its positive role, so as to gradually build a sunlight system that moves it from the ground to the ground.

The above opinion clearly sets out the idea of "no entry and no entry" for private capital, including encouraging and guiding the entry of private capital into the real economy, major projects and other fields.

In fact, the real economy has been the main body of private capital flows for a long time.

People's Bank of China Wenzhou central sub branch survey shows that in 2003, the proportion of private lending funds in Wenzhou reached 90% in the industrial areas, such as production and operation, small businesses and aquaculture, and only 10% of them entered other ways of building houses and houses.

Over the next few years, as the real estate market heated up and mineral resources and other resources rose sharply, they gradually deviated from the industry, and a large amount of capital was poured into real estate, mining and other speculative areas to make "quick money".

This year, the scale of private lending in Wenzhou is about 110 billion yuan, of which the proportion of investment in production and operation has dropped to 35%, accounting for 20% of real estate investment, and up to 45% of the funds flowing into the private lending market.

Zhejiang provincial finance office official said that the key to attracting private capital to return to industry is to let them see the prospect of investment.

The "sunshine investment field" set up in the opinion for private capital contains a lot of investment opportunities and rewards.

Taking the "12th Five-Year" major construction project of marine economy as an example, nearly 500 key construction projects are arranged in Zhejiang Province, with a total investment of about 1 trillion and 200 billion yuan, and the investment of about 800000000000 yuan during the "12th Five-Year" period.

From 2010 to 2012, Zhejiang province allocated 1 billion yuan special funds every year, focusing on the construction of island infrastructure and marine science and technology research and development projects, and set up a 1 billion yuan marine industry fund to guide social capital to invest in marine emerging industries and port advanced manufacturing industries.

As for how to establish effective channels for private capital investment, the opinions point out that PE projects will be vigorously developed.

It is understood that in addition to introducing support policies for equity investment institutions in Zhejiang Province, this year has launched the first provincial investment fund in Zhejiang Province with a scale of 5 billion yuan and a provincial venture capital fund with a scale of 500 million yuan. It also promotes the pilot pfer of unlisted companies shares in the province.

In addition to guiding private capital to invest in the real economy, the opinion also supports the enthusiasm of Zhejiang's private capital in the financial sector.

As a matter of fact, at present, there are no obstacles in the policy and legal aspects when private capital enters the financial industry. However, from the operational level, the phenomenon of "glass doors" and "spring doors" still exist in private capital.

The "opinion" issued by Zhejiang province clearly speeds up the pace of the development of local financial institutions and attracts more private capital to participate in the reform of local financial institutions. It has shown that the reform of local financial institutions will open the door to civil capital further.

According to the Zhejiang finance office, during the "12th Five-Year" period, whether it is to build a financial service center for small and medium-sized enterprises or to create a wealth management center for private sector, it means a rare opportunity for private capital.

Specifically, like the reform of local commercial banks and rural credit cooperatives, the establishment of small loan companies and the increase of capital and stock expansion, and the expansion of rural banks and rural mutual cooperatives, the public funds can be one of them.