Putian Cracked SME Financing Problems

Recently, Putian Yongsheng shoes industry Co., Ltd. has successfully obtained a 6 million yuan loan from the Putian Municipal Construction Bank through the Yi Lai (Company limited by guarantee) investment. The problem of insufficient production turnover fund has been solved and solved, and the order production has been completed on time.

According to statistics, in the 1-5 month of this year, our city actively coordinated the 9 Guarantee Corporation in the whole city, providing a total guarantee of 383 million 350 thousand yuan for 65 small and medium-sized enterprises.

It is reported that a large number of SMEs in our city, the loan demand presents "short, small, frequent, urgent" characteristics, that is, the demand for funds is mostly short-term loans, mainly with small loans, and the loan frequency of enterprises is high and demand is urgent.

The capital demand gap of SMEs in the city is as much as 6 billion yuan. Among them, 115 small and medium-sized enterprises in the 13 industrial parks (concentrated areas and technological cities) have a total demand of 3 billion 320 million yuan.

However, because SMEs are in the initial stage of development and their strength is relatively insufficient, the financial sector is also considering the risk and other aspects. SMEs have difficulty in lending directly to banks, and the difficulty of loans has become a bottleneck restricting the growth of SMEs.

In order to help SMEs solve the financing problems, promote the sound and rapid development of small and medium-sized enterprises in our city, and foster the growth of industrial clusters, relevant personnel of the Municipal Economic and Trade Commission go deep into small and medium-sized enterprises to find out the crux of the problem, and focus on the 13 industrial parks (concentrating area and technology city) to carry out the investigation of capital needs of SMEs in Putian.

At the same time, our city has taken various measures to take the initiative to build bridges and innovate ideas in order to solve the problem of loans.

On the one hand, we should actively build a platform for financing cooperation and introduce Everbright Bank, CITIC Bank, Minsheng Bank and other commercial banks.

Through the convening of the Forum on financing work and the negotiation and promotion activities between the enterprises and the opening bank, the cooperation between government, banking and enterprises should be strengthened.

Led by the chambers of Commerce, the parks and trade associations, the company concentrates on docking with banks, and establishes the information platform of Putian City People's government network to achieve the information docking between enterprises and commercial banks.

On the other hand, innovative financing guarantee mode.

To speed up the construction of SME financing guarantee system, there are 9 Guarantee corporation registered in the city, and the amount of trust received by banks is nearly 1 billion 350 million yuan.

And taking the leading enterprises of Huafeng shoes and other industries as guarantee and the legal person of the supporting factories as the applicants, a new mode of loan financing for the upstream and downstream SMEs is set up.

In addition, the Municipal Economic and Trade Commission has actively coordinated land and construction departments to open up a green channel for financing.

The "green channel" for registration and renewal of loans has been opened up. The "pre registration" of mortgage on construction and the period of maximum loan are matched with the period of mortgage registration.

The financial sector has introduced new products such as "invoice discount" and "export bill" to facilitate the financing of small and medium-sized enterprises.

As of April, a total of 22 billion 577 million 420 thousand yuan was granted to SMEs.