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"Help One" For Small And Medium Enterprises

2012/3/5 10:12:00 9

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"Since last year, with the new changes in the international economic situation and market environment, many SMEs have increased the difficulty and cost of financing significantly, and some enterprises are even struggling."

After the opening of the CPPCC National Committee, academician Liu Xiufan, a member of the CPPCC National Committee, said that through strengthening financial innovation, we should help SMEs with strong innovation ability and good growth to help them crack down on capital constraints.

Although the central bank lowered the deposit reserve ratio in February this year, the financing environment for many small and medium-sized enterprises has not improved significantly.

Academician Liu Xiufan said anxiously that only last year the central bank raised its deposit for the six time.

Reserve rate three interest rate increase

Small and medium-sized enterprises have difficulty in financing, and some enterprises, especially small and medium-sized enterprises, have intensified their capital shortage.

The main performance is: in the 123 industry, small and medium enterprises micro enterprises account for a large proportion, and indirect financing through banks and other financial institutions to obtain loans is both small and difficult; a large number of enterprises do not understand the basic knowledge of direct financing and lack of direct financing consciousness; the small and medium-sized enterprises are small in scale, low in credit quality, light in taxation information, incomplete in their financial and tax information, and their own conditions are difficult to meet the direct financing requirements.

"Small and medium-sized enterprises, especially those with strong innovation ability and good growth, are especially needed.

"Help one"

Academician Liu Xiufan said that in the "two sessions", he submitted a proposal to strengthen financial innovation and solve the problem of capital constraints. He suggested that governments at all levels should create an excellent financial and financial service environment, and timely introduce targeted policies to guide enterprises to cope with changes in the financial environment.

At the same time, we must build an enterprise financing platform.

Strengthen the three party cooperation between government, bank and enterprise.

We should actively develop "intellectual property pledge loan", "fixed asset mortgage loan", "order mortgage loan" and other targeted financial services products.

For financial institutions, academician Liu Xiufan suggested that financial institutions should

innovative product

And services, integrate into the local economic development in an all-round way, actively connect with major projects in the industrial agglomeration area, and increase the pertinence of project support.

It is necessary to improve the efficiency of examination and approval and the quality of service for SMEs.

In particular, we should actively innovate financial products and strive for more support from higher banks through innovation of financial products.

The headquarters of financial institutions should aim at the market demand, guide the government policy, design products, expand market support, innovate business services, support joint production, education and research, support major scientific and technological platform construction, support digestion and absorption, and innovate to support industrialization of scientific and technological achievements.