Chairman Of The Committee On Small And Micro Enterprises Financing Difficulties

Feng Junping representative: guiding enterprises to return to the real economy, reducing burdens and increasing incomes is a radical solution.

Xu Ming representative: improving tolerance to bad loans in real economy

Lu Xiaozhong: support small financial institutions and form diversified financing channels.

Shi Guilu: reduce the floating rate of loan interest reasonably

Zheng Jianwang runs a small garment processing enterprise in Shandong. He is always on pins and needles at the end of every month, because this is the day to pay wages for workers, and accounts receivable often take a long time to get in place.

He tried more than once to bank loans, but it was useless: small businesses, many banks did not lend at all; even if they agreed to the loan, the procedures were too cumbersome.

"200 thousand yuan a month. It's not a way to borrow money from the West. I really hope that the bank's policy on small businesses can be relaxed."

Small and micro enterprises are the basic cells of China's economy. They play an irreplaceable role in stabilizing growth and promoting employment.

However, due to the complex economic situation at home and abroad, the cost is rising and the orders are shrinking. At present, the development of some small and micro enterprises is plight, especially the problem of "financing difficulty", which has become the biggest bottleneck affecting its growth.

In this year's government work report, we have mentioned many small micro enterprises. "Tax incentives", "credit support" and "optimization of industrial structure" will usher in new opportunities for small and micro enterprises.

How to solve the financing problems of small and micro enterprises, and let them light up to battle, has become a hot topic for delegates.

The healthy development of small and micro enterprises is related to the national economy and people's livelihood.

Feng Junping, chairman of Shaanxi Federation of industry and commerce, said that China's small and medium-sized enterprises are developing rapidly. Now there are about 11000000 households, accounting for more than 99% of the total number of enterprises in the country, providing 80% of urban and rural employment.

"Small and micro enterprises have strong demand for capital in the process of growth and development, but in fact, it is difficult to quench their thirst through normal financing channels."

Feng Junping said that the threshold of large financial institutions is high, private lending is high cost and high risk, and the funds available by small and micro enterprises are very limited.

"Although some state-owned commercial banks have established small and medium-sized enterprises' franchise organizations, they have not really changed the plight of financing difficulties for small and micro enterprises."

Lu Xiaozhong, deputy director of the Standing Committee of the Chongqing Municipal People's Congress, said that state-owned commercial banks have many advantages of grassroots networks, but at present, the financing guarantee system is not sound enough, and the form of mortgage guarantee is single, leading to many small and micro enterprises with good prospects for development to obtain credit support.

Shi Guilu, vice chairman of the Shaanxi Provincial Federation of industry and commerce, said, "last year, a local bank survey found that 50% of the bank lending scale was designated for small and medium enterprises, but in fact most loans could not be released because many indicators of small and micro enterprises were not in line with the requirements of banks, but not through loan review."

Formal channels have limited funds, and many small and micro enterprises have to resort to private lending.

On behalf of the committee members, because the current management is not standardized, the huge gap between supply and demand has provided opportunities for capital speculation. Some areas have fallen into the predicament of "stir up money with money", pushing up the interest rate of private lending and increasing the financing cost of small and micro enterprises.

This year

Xu Ming, deputy mayor of Suzhou, Jiangsu, said that the profitability of capital was destined for commercial banks to "love the poor and love the rich".

Special policies should be issued as soon as possible to encourage and guide banks to fully carry out the credit business of small and micro enterprises.

The policy focus should be on improving the tolerance of banks to non-performing loans in the real economy.

Lu Xiaozhong believes that from foreign experience, small and micro enterprises basically rely on unsecured, unsecured credit loans.

According to the characteristics of small and micro enterprises, financial institutions should set up specialized small and micro enterprises credit institutions, establish credit systems, widen the scope of collateral, and formulate specific measures for mortgage loans, such as patents, accounts receivable and other intangible assets.

Only with its own exclusive financial platform can small and micro enterprises get rid of the embarrassing situation of "big food".

"The advantages of small and micro enterprises are small boats and good turnaround. To solve the financing difficulties, the key is to train internal strength."

Feng Junping said that through the fiscal and taxation policies, we should further lighten the burden on small and micro enterprises and guide them to return to the real economy.

"The business environment is loose, the benefits are improved, and the profits are increased, so as to attract talents, funds and other resources to enter. This is a radical solution."

Shi Guilu said that the manufacturing industry in the real economy, especially small and micro enterprises, should reasonably reduce the floating rate of loan interest rates.

We should promote market-oriented reform of interest rates and effectively encourage financial institutions to help small and micro enterprises through multiple channels.

"Crack"

"Small loan companies play an important role in alleviating the financing difficulties of small and micro enterprises. We should further encourage and promote, and guide more private capital into small loan companies."

Xu Ming believes that we should reduce the access conditions for private capital to enter the financial field, allow private capital to be the main sponsor, set up village banks and community banks that provide community financial services.

The introduction of private capital into the financial sector poses a challenge to financial regulation.

"If there is a lack of scientific and effective supervision, private capital may enter into the lending market to alienate and breed" usury ".

Lu Xiaozhong believed that private finance should be incorporated into the formal financial system and placed under financial supervision to promote its standardized development.

Lu Xiaozhong suggested that we should establish an immediate information communication mechanism between local and relevant central departments, and explore the mode of "central supervision of large financial institutions and local supervision of small and micro financial institutions".

In addition, it is necessary to establish a withdrawal mechanism for private financial institutions and improve the operational efficiency of private financial institutions.

Delegates said that with the further deepening of the financial system reform and the further improvement of the market economic system, the future of small and micro enterprises will be even better.