Clothing Business Enterprises Will Face Tight Financial Chain.

Recently, some of the wholesale markets in Guangzhou have learned that there has been a slight tension in the cash flow of some business enterprises in recent years, which has led to a reduction in credit for such small and medium-sized businesses.

The whole industry's capital chain is tight.

And the major banks in 2012 showed that the business enterprises in some areas of the Yangtze River Delta were difficult to operate, which led to the rise of bank overdue loans and default rates.

With the cash flow dilemma of some local businesses in Guangdong, the industry is expected to face some challenges in financing some business enterprises in the future.

A few days ago, the CBRC issued an early warning that the quality of bank assets fluctuated and the rebound pressure of non-performing loans increased. Banks should avoid adopting simple risk control measures such as stopping loans, collecting and approving authority.

In Xingang, Haizhu, Guangzhou.

In the city, a clothing wholesaler is ordering a stack of bills of payment.

"The payment has been delayed for two months."

The boss shook his head and sighed.

Recently, journalists visited the clothing wholesale market of Guangzhou's martyrs East Road and Xingang West Road. Many businessmen reflected that since May, the speed of customer payment to goods has slowed down significantly. Some accounts in the Yangtze River Delta have dragged on for months, leading to a sharp deterioration in the ability of local businesses to repay bank loans.

In a clothing wholesale enterprise on the road of martyrs, Mr. Chen, the boss, pointed to the pile in front of the door.

The goods complained to reporters that he was afraid to deliver the goods because he was worried that the goods would not come back.

"The banks are tightening up. If they do not pay again, they will take me into overdue loans and pay late fees.

So I will first collect the previous payment and charge it. "

Mr. Chen told reporters.

Mr Chen's boss who is anxiously awaiting payment is in the minority.

According to businessmen, the fragmentation of capital chain of business enterprises in parts of Wenzhou and Jiangsu in Zhejiang resulted in the payment of goods which could not be paid at the expense of local suppliers and wholesalers.

Many individual wholesalers reflect to reporters that the loans that small businesses have to repay is accumulated at the end of last year when interest rates are high, and some loans have an annual interest rate of over 8%.

In addition, the local part of Guangzhou

In the second half of the year, the rent will continue to rise, and the cost of human resources will continue to rise.

Subsequently, the reporter visited some furniture wholesale business enterprises such as Nan'an road and other places. The head of a business enterprise told our reporter that many commercial enterprises with upstream and downstream cooperative relationship adopted five forms of guarantee and participated in the undertaking of joint and several liability.

Therefore, if any enterprise fails to repay all the loans, the enterprise that guarantees it will have to repay it in full.

For example, if three enterprises jointly guarantee loans, each of them is 5 million yuan, after one of them fails, the bank has the right to repay all the 5 million yuan loans to any other family.

Therefore, once the capital turnover of the purchasing trade enterprises is difficult, the downstream suppliers' funds will certainly be affected, and the banks will probably not get the loans back.

"We are very sad now."

The person in charge said.

Wholesaler: afraid that the goods will not be returned without delivery.

Bank: selective loans for individual businesses

It is understood that at present, some state-owned banks in Guangdong have increased risk management for some risky loans.

The industry expects that loans for small and medium-sized businesses may be more intense in the future, and some business enterprises will face challenges in financing.

ICBC's Guangdong provincial branch told reporters that the bank's current business loans focus on commodity trading markets, industrial clusters or emerging professional markets and high-quality customer groups, and part of the policy does not comply with industrial policy, commercial loans to withdraw.

Up to now, the bank has expanded more than 300 professional markets, involving 230 thousand individual businesses.

The head of the Guangdong branch of the construction bank told our correspondent that in the first half of this year, the personal customers preferred the mature and stable professional market business groups. The loan growth rate did not increase or decline, but the demand for loans related to real estate related industries, such as stone and home, this year decreased slightly compared with the previous years.

And a bank customer manager revealed that the current bank loans to individual businesses and small and medium enterprises tend to be tight, some loan projects interest rate rose to more than 15%, many banks are "reluctant to lend".

In the first half of the performance report, in the five major state-owned banks, besides the ABC and CCB, the balance of non-performing loans of Bank of China, ICBC and Bank of China increased.

In the joint-stock commercial banks, the balance and ratio of non-performing loans between the Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank and Xingye Bank were all "double litre".

Regulators: we should avoid measures such as stopping loans and collecting and approving authority.

In view of the risks of enterprises' joint insurance and recessive direct insurance in Jiangsu and Zhejiang provinces, the CBRC warned that banks should avoid adopting simple risk control measures such as stopping loans, collecting and approving authority and so on, so as to prevent the cyclical fluctuation of credit supply from causing regional and systemic risks.

The CBRC pointed out that banks should strengthen the analysis of the cash flow of customers, especially increase the intensity of the pilot projects of credit loans for small businesses. For enterprises that have been affected by the guarantee chain, they should treat them differently and classify them according to the actual situation of enterprises.

According to the latest data released by the China Banking Regulatory Commission, the balance of non-performing loans in the first half of the whole banking sector was 456 billion 400 million yuan, which has risen for three consecutive quarters.

In view of the bad loans situation of 16 listed banks, new and bad loans or overdue loans are highly concentrated in the Yangtze River Delta region, mainly in Zhejiang, Jiangsu, Shanghai and other places.

By the end of 6 this year, the overdue loans of listed banks had reached 528 billion 354 million yuan, up 31.25% from the end of 2011. This shows that the problem of capital turnover has affected the quality of bank assets.

For small businesses, many banks have begun to be cautious in lending.

Industry analysts believe that, because the mutual insurance and implicit guarantee of affiliated enterprises are widespread in small and medium enterprises, banks have higher bargaining power on such enterprises, and on the other hand, they are cautious about lending because they are worried about their financial risks.

Therefore, the demand for credit market is still deep in the situation of insufficient loan demand of large enterprises and difficulties of small business loans.

Faced with the downward pressure on credit quality, the CBRC pointed out that commercial banks should innovate credit products and guarantee methods. In the aspect of small business loans, it is necessary to make new breakthroughs in pledge of intellectual property rights, order pledge, accounts receivable pledge, forest right mortgage and other rights pledge according to the management characteristics of small enterprises.