It Is Difficult For Banks To Borrow Nearly 7 Thousand. The Total Demand For Financing By Smes Is Nearly 5 Billion 900 Million.

With the implementation of tightening policies in a series of rounds, the capital chain in the market has become tight, and the plight of SMEs has become increasingly fierce.

Just now, media reports reported that the survival difficulties of private enterprises in Zhejiang are still spreading. Cai Hua, Secretary General of Zhejiang Investment Research Association, said that there are about 36 SMEs in Wenzhou, of which 30% are in semi shutdown or downtime. Correspondingly, the shortage of money in SMEs is prominent, and the interest rate of private lending is higher and higher, and the risk of borrowing and collapse is looming.

What is the plight of the small and medium-sized enterprises in the Pearl River Delta? The specific details were not known before, but the media coverage may be a glimpse. Recently, the media said: the town of Junan Town, Foshan, Guangdong, known as the "cowboy capital", has nearly 100 in the past six months.

Went bankrupt successively.

Chen Yaohua, President of the Dongguan textile and garment industry association, also said that Dongguan enterprises are the most dangerous period since 2008.

It is also said that the current crisis situation of SMEs is more than the pressure of the financial crisis in 2008.

Guangzhou: bank borrowings are difficult. Enterprises seek private lending in acquaintance circles.

Currently, small and medium-sized enterprises are breaking up and breaking down.

Guangzhou economic and Trade Department special research found that at present, Guangzhou has not found a large-scale SME failure due to the chain break.

Because this year

With the sharp tightening of scale, SMEs in Guangzhou are facing difficulties in applying for loans. After being hit by bank financing, they have turned their attention to other financing channels.

Finding money has become a big business for most small businesses. "Money" is not enough to restrict the development of enterprises.

Recently, Lin boss, a handicraft industry in Baiyun District, has been worried.

"Production costs rise, profits continue to shrink, capital is tight, banks do not give loans", "finding money" has become the most important thing for Lin boss.

This is not a case. In fact, finding money has become a big business for most small businesses.

A survey on the financing status of SMEs in Guangzhou's SME investment and financing public service network platform shows that 50% of voters choose "capital" and the second is talent.

Some experts said that because of the small accumulation of SMEs, they often can not provide their own real estate as collateral.

Especially in the urban area of Guangzhou, a large number of specialized markets are dominated by business enterprises, and most of the business premises are rentals. Banks often have difficulty in accepting the pledge of operating leases and giving credit support to business enterprises.

Most banks need to grade their credit customers. Poor financial statements make most SMEs unable to meet the minimum threshold for bank credit rating.

"Financing difficulties are an old topic for small and medium-sized enterprises."

Wu Minggao, chairman of the Guangzhou Municipal Committee of CPPCC and chairman of Guangzhou Yilong Pml Precision Mechanism Ltd, said that according to their understanding, there are indeed some small and medium-sized enterprises in Guangzhou failing, but he believes that the more important factor in the failure of small and medium-sized enterprises is the rising cost of manpower and materials, and factory rent and rent are also rising exponentially.

"The owners of small and medium-sized enterprises in Guangzhou are more realistic. How much money they eat and how much money they have to do?"

Wu Minggao said that many of the owners of small and medium-sized businesses he met were often financing by borrowing in the form of "bad money", mainly relying on credibility to seek private lending in acquaintance circles.

Nearly 7000 SME registration requirements

It is understood that the Guangzhou Municipal Economic and trade department also recently studied the financing environment of SMEs in Guangzhou recently.

The latest bulletin of Guangzhou SME Bureau shows that due to the huge shrinkage of bank credit this year, Guangzhou SMEs have difficulty in applying for loans. After being hit by bank financing, they have shifted their attention to other financing channels. The proportion of new financing channels such as small and medium-sized financial institutions, private lending and pawn industries has been increasing continuously in small and medium-sized enterprises.

According to the report, in 2008, the financial crisis eliminated a number of small and medium enterprises with backward technology and low risk tolerance in Guangzhou. The small and medium-sized enterprises that survived and continued to operate basically possessed certain economic strength, risk resistance and adaptability to the environment. "At present, Guangzhou has not found a large number of small and medium-sized enterprises to fail due to the broken capital chain."

How to solve the problem of financing SMEs? It is understood that Guangzhou is guiding and encouraging financial institutions to increase credit support to SMEs.

Data show that as of the end of 5, Guangzhou SME investment and financing platform registered 6819 small and medium enterprises, the total demand for financing was nearly 5 billion 900 million, 34 were stationed in financial institutions, released 126 small and medium enterprises financing, platform financing 215 times, involving nearly 7 billion yuan of financing.

Guangzhou has also established a City SME financing guarantee service alliance.

The alliance, which combines financial, guarantee and investment institutions, can achieve information sharing, making it possible for enterprises to seek financing in the future.

By the end of 5, 49 units including financial guarantee institutions, commercial banks, securities companies, investment companies, small loan companies and other financial services institutions had joined the alliance.