Supporting The Development Of Small And Medium Enterprises To Expand Financing Channels In All Directions

According to the data provided by the Guangzhou branch of the people's Bank of China, as at the end of 10 in 2013, the balance of loans for small and micro enterprises in the province was 12439 billion yuan, an increase of 15.8% over the same period last year, and the growth rate was 2.9 percentage points higher than that of all loans. In January October, the balance of loans for small and micro enterprises increased by 171 billion yuan, an increase of 61 billion 700 million yuan over the same period last year, accounting for 43.6% of the total loans of all enterprises, representing a 17 percentage point increase over the same period last year.

A few days ago, the provincial government issued the "opinions on further supporting the development of small and medium-sized enterprises and strengthening and strengthening private enterprises".

　 Perfecting small and micro enterprises Credit evaluation system

All along, the financial management system is imperfect, fixed assets and other deficiencies are dragged down, small and micro enterprises are difficult to get the favor of banks. The credit rating of banks to small and micro enterprises is often difficult to carry out because of asymmetric information.

To this end, Guangdong put forward the credit information standards and collection methods to improve the small and micro enterprises, set up a credit evaluation system adapted to the characteristics of small and micro enterprises, and listed the credit industry as one of the first two pilot industries. At present, the cities, such as Guangzhou, Huizhou and Yunfu, have set up a credit information database covering all enterprises, and have achieved information sharing with banks and other financial institutions.

At the same time, the provincial finance also set up a special fund of 500 million yuan to support the key professional towns and the central towns with high industrial agglomeration, and set up a comprehensive service platform for small and micro enterprises, including financing services. For example, Foshan folk Financial Street, Zhongshan Xiaolan Town and Guzhen have pioneered the establishment of financing service centers for small and micro enterprises, providing credit, financing consulting and other services.

In building the docking platform for banks and enterprises, in recent years, Guangdong has carried out various forms of bank and enterprise docking activities through the establishment of Guangzhou gold fair, China Fair, high tech fair, rendezvous fair and other exhibition platforms.

As of the end of 2013 9, the Guangzhou branch of the people's Bank of China organized 13 thousand and 400 credit and publicity training programs for small and micro enterprises in Guangdong province. The total number of credit archives of small and micro enterprises was 360 thousand, and 133 thousand and 400 households were accumulated in the process of collecting credit cards. The total number of bank loans was 74 thousand and 700. financing A total of 43 thousand and 400 households.

　 50 million annual fiscal risk compensation

Guangdong has taken various measures to reduce the financing cost of small and micro enterprises.

The first is to regulate the financial services fees of small and micro enterprises, cancel all kinds of unreasonable fees, and require banking financial institutions to manage unified fees and charges, refine the service contents and standards of charging items, and effectively achieve the quality and price matching.

Second is to promote the standardized development of private finance. Through the development of private banks, microfinance companies and financing Guarantee Corporation, Guangdong has led private capital into the financial services sector.

In addition, the intensity of financial support is also increasing. From 2012 to 2014, Guangdong's finance provided 50 million yuan a year to compensate the loss of loans to small businesses and other loans. This year, it also set up a 100 million yuan risk guarantee fund for small and medium enterprises. In 2009, Guangdong invested 1 billion yuan to set up a Guangdong finance and then Company limited by guarantee. At present, the company has increased its capital to 2 billion 410 million yuan. As of the end of June 2013, the total guarantee amount of Guangdong's total guarantee was 23 billion 205 million yuan.

The people's Bank of China Guangzhou branch is also actively using the monetary policy tools such as rediscount and reloan, and the dynamic adjustment mechanism of differential reserve to guide financial institutions to increase credit for small and micro enterprises. From January 2013 to October, the province handled rediscount of 10 billion 800 million yuan, of which 80% was used to support small and medium enterprises, and the total amount of loans to support agriculture was 3 billion 600 million yuan, an increase of 1.3 times compared to the same period last year.

　 Expand direct financing channels such as stocks

Compared with indirect bank financing, the cost and risk of direct financing are relatively low. Therefore, it is very necessary for small and medium enterprises to realize financing through stock market and bond market.

In the stock market, at present, governments at all levels in Guangdong have launched a series of preferential policies to promote the restructuring and listing of enterprises, and have achieved good results. Guangdong is not only the number of Listed Companies in small and medium sized enterprises, but also the number of Listed Companies in the gem ranks first in the country. The number of enterprises listed on the "new three boards" also accounts for 1/3 of the whole country. The total number of Listed Companies in the 3 OTC markets of Guangzhou, Qianhai and Guangdong financial hi tech zones has exceeded more than 3500.

In the bond market, a total of 23 enterprises in the province have completed the SME private placement debt and SME collective private debt issuance in the Shanghai Stock Exchange and Shenzhen Stock Exchange, with a record scale of 2 billion 548 million yuan. Among them, Foshan and other cities have set up a SME bond issuance guarantee platform, supporting many small and medium-sized enterprises to successfully launch new financing varieties such as regional SME debt collection, regional collection of outstanding bills and so on.

As of the end of 10 2013, 10 small and medium enterprises in the province had used the interbank market to issue bond financing, and the total amount of financing was 370 million yuan. 2 sets of small and medium enterprises collection bills under the "regional set up" mode have been issued, involving 9 small and medium enterprises, and the total amount of financing is 500 million yuan.

In addition, Guangdong has formed a pool of equity investment enterprises such as Guangzhou high tech Zone, Shenzhen Qianhai, Zhuhai Hengqin, Dongguan Songshan Lake and so on. There are nearly 3000 venture capital and private equity investment enterprises in the province, with more than 1 trillion yuan in management capital.

　 interview with an expert

Interview with President Lu Lei of Guangdong University of Finance:

Actively develop community type financial institutions

Yesterday, the president of Guangdong University of Finance, Lu Lei, interviewed the Nanfang Daily. He believed that "opinions", from the perspective of encouraging financial institutions to promote small and micro enterprises, encouraged the participation of market participants under the guidance of the administrative departments, and played a certain role in alleviating the financing difficulties of small and micro enterprises. But Lu Lei also mentioned that in implementing the policy, we should pay full attention to the market's initiative in risk judgement, and lay emphasis on enriching the multi-level financial market system and diversifying financial institutions. Small micro finance Supply intensity.

In enriching the financial institutions, Lu Lei suggested the development of "community type small financial institutions". "Financial support should be combined with large and small financial institutions. At present, it is mainly led by large banks, the industrial chain is not strong, and the community is not enough. Small community financial institutions, which meet the elastic demand of small and micro enterprises, can provide more flexible support for small and micro enterprises. He explained.

　 Corporate aspirations

"Loan innovation measures are increasing year by year".

In recent years, our province has successively introduced preferential policies for financial loans for small and medium enterprises, and has "quench thirst" for enterprises.

Yue Liang, chairman of the Hefeng textile and garment factory in Zengcheng, Guangzhou, said that in the past, many banks only provided fixed assets pledge loans, and trade export lending loans were also able to lend to 70%, which greatly alleviated their cash flow problems. He said that now the goufa's export purchase amount to them is 10 million, which can be released on the basis of the certificate of real right and the invoice list, which greatly facilitates the enterprise loan process and solves the problem of lacking fixed assets before. "Because we make textile exports, flexible capital flows, there will often be short term emergency needs. The innovative measures introduced by banks can guarantee no guarantee only by personal credit, and more than a hundred thousand dollars can be borrowed and returned, which has helped the company a great deal."

Guangzhou Kiki Garments Co., Ltd. now has a scale of more than 1 billion, and the annual sales of jeans are about 3 million. Cao Xiaoqi, chairman of the board of directors, said he began to get in touch with foreign financing in 2011, when 8 million of the loan funds were approved for a month. By this year, gf will only need two or three weeks from assessment, mortgage and approval, and will soon be able to lend its foreign assets in Hunan to its collateral. This measure has effectively allocated his assets.