Unveil The True Veil Of "Fish And Water" Between Banks And Enterprises

Stock pressure, serious homogenization, new product difficult to push, blind expansion, market price war, bank pressure loan or loan collection, and private usury and so on, which make the adjustment of business module and urgency of enterprise development and pformation urgent.

And the lifeblood of the survival of enterprises is whether the capital chain is smooth or not. As we all know, the most difficult year for enterprises in 2014.

Frequent bankruptcies, bankruptcies, loss of links, mergers and so on have brought the industry into a haze. At the same time, it is also the most difficult year for the development of the banking industry. The main reason for this is that the ability of enterprises to resist risks is very poor. On the other hand, the banking industry also has certain impact on the industry credit panic.

Therefore, this chapter will help you uncover the huge gap in the capital chain of enterprises. How can the relationship between banks and enterprises be closely linked?

Banks play a vital role in the development of modern society and economy.

Especially after the global financial crisis, banks have played a huge role in promoting the development of special industries, and can actively guide enterprises.

It has played an important role in supporting the pformation of enterprises' industrial structure, and has been recognized by many enterprises and society.

The relationship between banks and enterprises is closely related to the development of fish and water. Banks, such as water, enterprises, such as fish and fish, are more clear. The water is naturally spiritual, and the clearer the water, the more active the fish will be.

Fish can not live without water, and water can not be separated from fish. Where there is no fish, water is naturally stagnant water, where there is water and fish, and water naturally becomes beautiful. Similarly, the development of an enterprise needs the support of banks. The development of banks needs the smooth connection between enterprises and the blood banks between enterprises and banks, which is related to the vital lifeline of the development of enterprises and the space for the development of banks.

Only when fish and water flourish, can the social economic system become more dynamic.

But, if

The funds are blindly separated from the real economy cycle chain, and the entities will stagnate or even go bankrupt due to lack of financial support. Just like this year's shoe and clothing industry, because of weak market demand, overcapacity in the industry, coupled with the bank's panic over the credit of the whole industry, the dilemma of the capital chain of the footwear industry is exacerbated.

Cheng Yi, Xiao He, defeated Xiao He! The bankruptcy, bankruptcy and running of shoes and clothing enterprises are in the wind and rain, the employment rate is low, the household consumption expenditure is tight, and the final sacrifice is social stability.

When the economy is booming, banks blindly lend. When the economy is down, banks blindly tighten their money and blindly collect loans. There is a subtle and repeated relationship between fish and water. From the barometer of banks, we can see that every move of the bank affects the whole economic development direction. But in recent years, the development of water and heating, stone, chemical, shoes and clothing, real estate and other industries has been difficult to see.

The death of a large number of fish (enterprises) directly causes the stink of water (banks), and the relationship between fish and water can not be ignored.

In recent years, the overall performance of the industry market is extremely weak, and the banks' own extreme panic will directly adopt the direct form of pressure loan or loan to the enterprises, directly causing the enterprises with extremely scarce funds to fall into the end of losing contact or bankruptcy directly, and at the same time, they will also implicate the lifeblood of the relevant guarantee enterprises.

Then, this series of enterprises from bank lending to secured enterprises, and then to suppliers of related service enterprises, will be faced with capital breach. Once the capital breach occurs, enterprises are only a step away from bankruptcy.

For example, A, B and C enterprises each have 600 employees' scale, paying 5 million yuan a year respectively. A enterprises lend 100 million yuan to 5 banks (5 banks respectively borrow 20 million), and each year they have to pay 8 million 500 thousand yuan of bank interest. The 100 million yuan of A enterprises' loans need to be mortgaged to banks 40% items (40 million yuan) and the 60% of loans need B enterprises and C enterprises to jointly guarantee (a total of 40 million yuan, B enterprises and C enterprises bear RMB respectively).

In order to control the risk of enterprise lending, the joint-stock banks have formed the A, B and C triangular relationship lending mode.

And from the loan of A enterprises, they take away the portion of the bank that belongs to the bank itself (borrow 1 hundred million to take 20 million yuan), and withdraw 10 million yuan from the B enterprises and C enterprises respectively (B and C altogether withdraw 20 million yuan). Therefore, the total amount of loans taken by the joint-stock banks from the original form is 40 million yuan based on the triangular relationship.

B enterprises and C enterprises themselves borrow 50 million yuan from bank loans respectively, and B and C enterprises each need to repay 4 million 250 thousand yuan interest fee to banks every year. They also need other enterprises of the same size as collateral.

Then, if there is a gap between the chain of funds and the chain of funds, it will produce chain effect. It is not only the three ABC enterprises, but also the D, E, F and G companies that follow the guarantee.

Therefore, we can see from this that enterprises should borrow money from the joint-stock banks and think twice.

Especially in the financial crisis today, the triangular form of borrowing will directly lead to the pressure of business cost and aggravate the fragmentation of enterprise funds. Once the enterprise funds are broken, it will result in the closure of A, B and C enterprises, which will result in 1800 employees of A, B, C and three employees lose their jobs. At the same time, they will cause three enterprises 160 million (A+B+C- banks to withdraw the amount of =1 assets of =1 billion +5000 million yen billion), and the annual interest rate of banks will be reduced by 18 million yuan.

This is a huge loss for A, B and C three enterprises, banks, and government three. Meanwhile, this way of continuous lending will lead to the involvement of many D companies, E, F, G, and even bankruptcy.