Who Can Help Small And Medium Enterprises To Tide Over Their Difficulties?

Financing difficulty has always been an obstacle to the development of small and medium-sized enterprises in China. When the global financial crisis hits, whether the capital chain is broken has become the key to the life and death of small and medium-sized enterprises.

At this critical moment of life and death, leaders at all levels of the state and localities have repeatedly demanded that all localities should earnestly solve the problem of financing difficulties for SMEs. The most important way to help SMEs to tide over difficulties is to solve the financing problem.

However, in the light of various policies to alleviate the financing difficulties of SMEs, whether SMEs can successfully finance at this critical juncture, the reporter conducted an investigation.

In the crisis of financing and crisis, it is even harder to say that "capital fragmentation is a more fatal thing than the decline in orders."

Speaking of the impact of the global financial turmoil, Zhou Zhiming, chairman of Shengda toy factory of Changping Town, Dongguan, Guangdong, said: "at present, the economic situation is not good, buying raw materials can only be cash pactions, can not be postponed to cash in, and the capital turnover of enterprises is not serious.

If the order is reduced, the enterprise can still support for a period of time, but once the capital chain is broken, the enterprise will suddenly die. "

Affected by the international financial tsunami, the international economic downturn, the rapid increase in domestic raw material prices, the rise in labor costs and the appreciation of the renminbi, a number of small and medium-sized enterprises have been operating in difficulties this year. Recently, some small and medium-sized enterprises have been forced to close their capital chain breaks, and more SMEs are ready to close their jobs or operate in a conservative manner.

Financing is a big problem for small and medium-sized enterprises. It is even more difficult under the economic crisis.

Small and medium-sized enterprises like Zhou Zhiming mainly solve the financing problem. There are only two ways. One is to bank loans, the other is to borrow money from the private sector.

"The conditions for bank loans are extremely harsh. There must be collateral for production lines, factories and so on, and they will be discounted at the time of assessment, and it will take a month to get the loan."

Statistics show that in 2007, SMEs' direct financing to banks only accounted for less than 2% of the loan amount, and the three main reasons for the loan difficulties of SMEs were complicated procedures, loan guarantees and stringent guarantee conditions, and high cost of loans.

"We can not borrow money from banks, so we have to borrow money from the public, take on usury, have greater risks and sometimes die faster."

Zhou Zhiming said.

Since the global financial crisis, we have heard that central and local governments have repeatedly asked to solve the problem of financing difficulties for SMEs. We hope that these good policies will not only let us see the sun, but more importantly, we must feel the sunshine.

Now the situation of small and medium-sized enterprises is badly in need of blood pfusion. If the blood pfusion is late, rescue will not come back.

Therefore, we hope that the implementation of financing policies for SMEs must be fast. "

Dongguan's Zhangmutou town is mainly oriented to small and medium sized enterprises, and the problem of financing is very prominent.

The town conducted a survey of 300 small and medium-sized enterprises, and found that 64 enterprises lack liquidity and development funds of three hundred million yuan.

Xu Hongfei, vice mayor of charge of foreign trade and economic cooperation in the town, said: "foreign-funded enterprises can hardly borrow money from domestic banks, while domestic funded SMEs need strict and long term loan approval procedures, so we have to turn to commercial banks for help.

In order to help enterprises to borrow money, we often break the skin with banks.

It is hoped that banks can help enterprises in a critical period. Banks should not only "add icing on the cake", but also "help them in a timely way".

A moderately loose monetary policy should be implemented to the grass-roots level as soon as possible.

The Bank of emergency and self assurance is more willing to "add icing on the cake" and "financing difficulty" has been a bottleneck problem for the development of small and medium-sized enterprises for many years.

In recent years, through the efforts made by domestic financial institutions, and with the commercial banks' exploration and innovation in developing credit business, new product development, mortgage guarantee and service mode, the financing problems of SMEs have changed, but they can not fundamentally solve the financing difficulties of SMEs.

At present, China's small and medium-sized enterprises are mainly private enterprises.

According to statistics from relevant departments, there are 6 million 238 thousand private enterprises in China, with 10 trillion and 750 billion registered capital and 76 million 970 thousand workers.

Small and medium-sized enterprises have become an important force in the new productive forces and economic and social development since China's reform and opening up.

Reporter survey found that, on the one hand, SMEs need urgent financing and blood pfusion, on the one hand is the central government's financing for small and medium-sized enterprises, but as a bank, they still show a lot of concerns about "emergency and self-protection".

Some bankers, who do not want to be named, have expressed their concerns to SMEs about loans to SMEs.

- - the ability to resist risks is weak.

A "small" word is doomed to the "difficulty" of financing.

Small and medium-sized enterprises are small in scale and have few assets. They can not afford big storms and worry about sudden problems.

- there is no confidence in the source.

Small and medium enterprises loans are mostly used in the production process. There is not enough capital to buy fixed investment such as land and building factories and lack of financing guarantee. On the other hand, small and medium-sized enterprises' financial management is loose, and financial statements are not standardized. All these factors cause banks to have no confidence in the return sources of SMEs.

- - loans are not easy to manage.

The pursuit of profit maximization is the main purpose of banking activities. In addition, many banks have to make bigger and stronger listings, and small and medium enterprises have a large number of loans and large risks. They are not attractive to banks and increase the difficulty of management.

Industry bias is hard to overcome.

Some financial industry personages say that if a hotel customers gather, more and more customers will be patronized, and the gloomy business will not attract customers.

This situation is like small and medium-sized enterprises, because of the existence of industry bias, coupled with the special period of economic downturn, SME loans are even more difficult.

In this regard, experts pointed out that banks must first ensure their own risk prevention is understandable, but also take the initiative to assume social responsibility.

At the same time, we should also see that the current economic downturn period for enterprises "timely help" is also an opportunity to stabilize the future customer base.

Some banks are actively making related attempts.

The government and enterprises are working together to help small and medium enterprises to raise funds and save money.

In foreign countries, the financing difficulties of SMEs can be solved through various channels, such as specialized banks, special guarantee mechanisms, a large number of social funds, funds and so on to help solve.

In order to solve the financing problem of small and medium-sized enterprises, we must make concerted efforts from the government, banks and enterprises.

Xiao Yaofei, Professor of international economics and Trade School of Guangdong University of Foreign Studies, pointed out that financial innovation is the key.

At present, the focus of the financing of small and medium-sized enterprises is that many SMEs have not yet established loan business. Some banks still follow the way of coping with large enterprises in the credit mode, and have not set up a set of customer screening and risk control system for small and medium-sized enterprises. In terms of specialized teams and personnel training, there are still a large number of full-time SME managers and managers who have received professional training, as well as effective incentive and constraint assessment mechanisms.

"To solve this problem, the key is to cultivate small and medium-sized financial institutions with small and medium-sized enterprises as the main customers. Some local and financial sectors should encourage the development of new financial institutions, such as small loan companies, village banks and small and medium-sized enterprises, which are suitable for the characteristics of small and medium-sized enterprises."

Commercial banks should actively promote financial instruments such as bill financing, credit loans, personal venture loans, circulating quota loans, small business joint guarantee loans, etc., which are tailor-made for small and medium-sized enterprises.

The government has great room to help SMEs in financing.

First of all, we should increase public financial support to help SMEs in economic emergency.

It is reported that the Guangdong provincial government invested 1 billion yuan to set up a provincial re Guarantee Corporation, which is the first Guangdong provincial financial contribution to Guarantee Corporation, aimed at helping SMEs solve the problem of financing.

On the other hand, many banks hope that the government will play more regulatory roles in the risk assessment of SMEs. For example, Zhangmutou town of Dongguan will monitor the enterprises in four categories according to their assets, wages and orders, and set up industries that are mainly supported by local governments. This will reduce the worries of bank loans.

At present, the town has passed the bridging of the government by the government. The Shanghai Pudong Development Bank has raised about 30000000 yuan for the three foreign enterprises in the town, and seven enterprises plan to finance 63 million yuan. The whole town enterprises have solved nearly 570 million yuan of loan credit.

Once again, the government should actively regulate and guide enterprises to use private capital and broaden the direct financing channels for SMEs.

At present, private capital is active, and the government should actively set up loan companies to regulate the use of private capital.

At the same time, SMEs generally lack credit is also an important factor in financing difficulties.

Therefore, Xiao Xiao Fei suggested that small and medium-sized enterprises should be honest, trustworthy, law-abiding, standardized management under the market economy conditions, improve their own quality, raise financing conditions for financing, and get financial support from all sides.

Editor in charge: Yang Jing