Representatives To Solve The Financing Difficulties Of The Textile Industry

In his government report, Premier Wen Jiabao proposed to "effectively reduce entities".

Zhao Linzhong, chairman of the National People's Congress and chairman of the directors Bureau of the rich holding group, said that small micro enterprises are still very difficult to obtain credit because of the impact of "financing difficult" and "financing expensive" to the textile industry.

Even if we obtain bank credit financing, the average interest rate of the comprehensive financing cost is as high as 13%~18%, while the private lending rate is even higher.

Many small businesses that adhere to the survival and development of the real economy have only a profit margin of less than 5%.

Therefore, he suggested that the supply of special funds to support the real economy, especially small and micro enterprises, should be implemented as soon as possible.

Through the supply and quality services, the interest rate of loans has dropped sharply and the problem of "financing expensive" has been solved.

At the same time, we should accelerate the pace of financial reform and opening up.

To support the development of specialized small regional financial institutions, such as loan companies, village banks, mutual funds cooperatives, financing Guarantee Corporation, venture capital institutions, SME investment and financing service centers and private lending institutions, etc., to expand financing channels and solve the financing difficulties.

Sun Yingan, chairman of the National People's Congress and chairman of the Hubei Xiao Mao industrial group, told reporters that the state should support the commercial banks to further increase their credit support to small micro enterprises through differentiated supervision and incentive policies.

In the long run, we should also construct a financial market structure system that is compatible with the market structure of enterprises, especially the establishment and development of a number of small and medium-sized financial institutions.

He believes that under the condition of ensuring basic fund security, banks can formulate simple and flexible operation methods for the imperfect financial management of small and micro enterprises and inadequate land mortgage.

Support for small micro enterprises, regulatory agencies and banks appropriately relax tolerance for small micro enterprises.

Gao Dekang, chairman of the National People's Congress and chairman of Bosideng group, agreed that he could set up a loan business for small micro enterprises.

For example, many financial institutions have launched financial services tailored to small and micro enterprises. In the credit line and deposit loan ratio management, they have implemented a policy of directional tilt and relaxed policy to help small and micro enterprises ease the pressure of capital turnover.

Small loan companies can become a useful supplement to alleviate the financing difficulties of SMEs.

How to promote the pformation of banking industry and better serve the real economy? The answer of Su Shoutang, chairman of the National People's Congress and chairman of Shandong Hua Le Industrial Group Co., Ltd. is "interest rate marketization".

At present, the interest rate of bank loans is still semi market pricing. "Financial administrative monopoly" has given China's banking industry pricing power to other industry lending rates. Banks are basically in accordance with the benchmark interest rate for state-owned enterprises, while small and medium-sized enterprises and private enterprises are floating 20%~30% on the basis of benchmark interest rates, some up to 50%.

Under the intervention of such financial and administrative means, small and medium-sized enterprises and private enterprises bear high interest costs, so it is very difficult to compete with state-owned enterprises.

Therefore, Su Shoutang believes that bank lending rates should be managed under the supervision mechanism of the state to implement interest rate liberalization.

Su Shoutang also suggested that we should further optimize the banking industry's investment in the credit industry, improve credit support for small and medium-sized enterprises, and speed up the popularization of commercial acceptance bills.

For the recent highly controversial and controversial private financing, many representatives thought that "private lending should be sparse and undesirable".

Under the positive guidance of the government, private financing has full potential to become an important financing channel for the real economy, and plays a positive role in industrial upgrading.

For example, small loan companies can be used to guide and regulate private lending, so that small loan companies become a platform for private lending.

Many local governments are now trying this way.

In addition, we should really break the monopoly and lift the "glass doors" and "spring doors" encountered by private capital in many fields such as energy and medical care, so as to promote the healthy development of private financing.

Gao Dekang pointed out that the main body of private investment is private enterprises, encouraging private capital to enter the field of energy, etc., which is conducive to improving the socialist market economy system, giving full play to the fundamental role of market allocation of resources and establishing a fair competition market environment.

At the same time, it has positive significance for promoting the pformation of private enterprises, expanding the development space of private enterprises, and standardizing private lending.

He hoped that the government should encourage private capital to flow to the financial sector in particular, especially small financial institutions for small and micro enterprises and "three rural".

Su Shoutang also believes that in the interest rate marketization, we should reduce the entry threshold of financial institutions and banks, allow private capital to launch small financial institutions with various shareholding systems, and make small financial institutions and banks form orderly market competition under the premise of strengthening supervision, which is also a driving force for the market-oriented reform of interest rates.