Good Policies And Financing For Small And Micro Enterprises In Quanzhou
The view was put forward: to maintain a reasonable and moderate growth in the total amount of money and credit, and to restrain the unreasonable increase in the financing cost of financial institutions and shorten the cost.
enterprise
Financing chain, clearing up unreasonable financial services charges, improving the efficiency of loan examination and approval, improving the evaluation index system of commercial banks, speeding up the development of small and medium-sized financial institutions, vigorously developing direct financing, giving full play to the functions and functions of insurance and guarantee, and pushing the reform of interest rate marketization in an orderly way.
Huaqiao University
Finance
Li Baoliang, a doctor with the school of economics, said that the financing difficulties of SMEs are caused by many factors. The main reason lies in the information asymmetry between SMEs and the financial system, and the lack of financial system also lacks the corresponding means to solve the problem of information asymmetry.
For example, enterprises lack perfect governance mechanism, internal control system, financial system and so on. It is difficult for the outside world to understand the operating conditions of enterprises. Therefore, it is difficult to directly finance in the capital market; small and medium-sized enterprises themselves are small in scale, poor in credit level, and lack of mortgage assets, which makes it difficult for SMEs to find bank loans.
Financing difficulties make SMEs more expensive in financing, which is the reason why corporate finance is expensive.
Dr. Li Baoliang believes that the opinion is mainly from improving the financial environment and improving the financial system to solve the problem of financing difficult financing for small and medium-sized enterprises.
Overall, these measures are mainly from the external financial system of enterprises to solve the problem of financing difficulties. To some extent, they may alleviate the financing difficulties and raise the financing cost. At the same time, it requires the operation and management of commercial banks. More importantly, the ten new gold is likely to be an important opportunity for the development of small and medium-sized financial institutions.
The execution effect needs to be observed.
Reporters visited several banks and found that the opinions had been released for half a month, but the major banks in Quanzhou have not yet received the notice from the relevant departments.
The head of the small business department of a Quanzhou branch of a joint-stock bank said that the bank had a credit limit of 90 billion yuan this year, of which 50 billion yuan was a credit line for small businesses. The amount of financing for small businesses is relatively adequate by the impact of this year's directional reduction.
The official said that at present, the bank's financing products for small businesses include secured loans, secured loans and three kinds of products that are "non renewable loans" within 3 years.
The person said: "mortgage loans, for example, interest rates float 40%, annual interest rate 8.4%, monthly interest rate of about 7.
For example, you have a house valued at 1 million yuan, and the loan amount you can apply for is about 800 thousand yuan.
1-2 days can be completed approval, almost half a month will be able to lend. "
Those people also said
enterprise
Once bad debts appear, banks will bear great pressure.
Now banks are cautious about large amount of credit, generally have collateral, and assess the risk of enterprise operation. Risk rating is expected to release large loans.
A city commercial bank in Quanzhou has three kinds of loans for small and micro enterprises, and the lowest interest rate is 30%.
A row president told reporters that if small and micro enterprises through the running water, the more water, interest rates can be reduced appropriately.
Now the interest rate of banks is marketization, banks can independently pricing, and the competition among major banks is also increasing. In the small and micro enterprises where banks are running for a long time, enterprises can check the flow of water, and business risks can be controlled. The city commercial banks will give appropriate loan interest rates to achieve a win-win situation between small and micro enterprises and banks.
The governor of the branch said that the opinions should be good for the small and micro enterprises, and the relevant departments should issue specific implementation rules, such as the upper limit of the loan interest rate and so on.
Dr. Li Baoliang also believes that from the present point of view, due to the lack of corresponding implementation rules, it is still to be seen whether the ten new countries can play a role.
Support small and micro enterprises financing
Recently, the office of the Quanzhou Municipal People's government issued the implementation plan of the key small and micro enterprises financing project library. According to the principle of "one mature declaration house", we planned to build the "5000 small and micro enterprise financing project database".
The plan stipulates the standard of warehousing enterprise, organization declaration, financing docking service, loan risk compensation, and warehousing enterprise management. In principle, the single enterprise loan amount is less than 5 million yuan (below), the loan term is not more than 2 years, and the rate of loan interest rate can not exceed 25% of the loan benchmark interest rate in principle.
The government led financial Guarantee corporation should give priority to providing financing guarantee services for warehousing enterprises, and give preferential treatment in terms of guarantee fees, margin and so on. In principle, the rate of guaranty fees should not exceed 2% last year.
For the financing difficulties of small and micro enterprises, Cai Zhuolong, chairman of dragon group, said that it should be treated rationally.
He said: "banks are not lending, the main reason is the existence of large risks in the operation of enterprises.
If an enterprise focuses on business, it will not control loans for loans, and do well in the cost and risk management of the enterprises. The banks will still be willing to lend money to small businesses.
He said that the Shanghai and Shenzhen industrial and commercial bank issued 3 hundred million credit lines for the Shenzhen and Shanghai underwear industry, with a monthly interest rate of about 8.
Lending to small and micro businesses with good operation and controllable risk is a win-win outcome for banks and small businesses.
This year, banks have strict control over financing, and many enterprises can only turn to private financing.
Li Shibao, general manager of Fu Yuan Tong Shi Shi lion branch, said: "every bank has to pay one percent of the loan, so every bank must be very cautious.
There are quite a lot of enterprises looking for private financing through Fu Yuan express this year. We will find suitable Finance Companies according to the business status and collateral of the enterprises, and charge a certain fee according to the time of investment and the amount of loans. The expenses borne by enterprises through private financing must be higher than that of banks.
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