How to solve the "difficulties in financing small and medium-sized enterprises" has always been a problem that China's economic decision-making departments are trying to solve. In recent years, the relevant departments have continuously innovated service forms in credit, bonds, capital markets and other financial sectors through a number of initiatives. China has achieved certain results in cracking down on “small and medium-sized enterprises financing difficultiesâ€. For commercial banks, the payment of loans to SMEs is often characterized by high risks and high costs. Therefore, “loan difficulties†have always plagued many SMEs. However, in recent years, as the country’s attention to the development of SMEs has warmed up, banking institutions have begun to put some of their power into the SME credit sector. On the one hand, large state-owned commercial banks have set up SME credit institutions to increase financing support for SMEs; on the other hand, some city commercial banks have begun to develop SME business as a strategic focus under the fierce competition of large customer resources. Come forward. The data shows that in 2010, the amount of RMB loans obtained by Chinese SMEs through banking institutions increased by 3.3 trillion yuan compared with the beginning of the year, and the year-end balance increased by 22.4% year-on-year. Among them, small business loans increased by 1.7 trillion yuan compared with the beginning of the year, and the year-end balance increased by 29.3%. The growth rate is 11.5 percentage points higher than that of medium-sized enterprises, and 16 percentage points higher than that of large enterprises. In addition, in order to solve the problem of credit reporting for SMEs, in recent years, the People's Bank of China, in cooperation with relevant departments, has established a credit collection system, a rating release system, and a disciplinary mechanism for creditworthiness for small and medium-sized enterprises, and researched and formulated the management system for SME credit systems. The credit file information has been continuously enriched and improved, and it has played a positive role in solving the financing difficulties of SMEs. According to the data of the central bank, as of the end of last year, the central bank's credit information system has supplemented and improved the information of SMEs by more than 2.1 million. In addition to the traditional financial service channels of bank lending, relevant departments continue to develop new financing tools in the bond market, providing increasingly important support for the financial services of small and medium-sized enterprises in China. According to relevant persons from the China Association of Banking Market Dealers, in order to promote direct debt financing for SMEs and alleviate corporate financing problems, in recent years, the Association and relevant departments have successively launched innovative products such as SME short-term financing bills and SME collection bills to expand small and medium-sized enterprises. Direct financing channels for enterprises. In addition, support policies such as exempting SMEs from membership fees and providing a green channel system have been introduced to reduce the financing cost burden of SMEs and improve corporate financing efficiency. The data shows that since 2008, the scale of SME debt financing has shown a rapid growth trend. As of the end of 2010, nearly 100 SMEs have received more than 5 billion yuan in funding through new debt financing instruments. In addition to the credit market and bond market, obtaining development funds from the capital market has become another important channel for financing SMEs. In recent years, China's capital market has continuously increased the support for SME financing, and the SME board and the GEM for SME financing have been established one after another, so that many small and medium-sized enterprises that have been trapped in financing problems are getting more and more. More financial support. The data shows that as of now, there are more than 600 companies listed on the SME board and the GEM, with a total financing of more than 450 billion yuan. It is particularly worth mentioning that microfinance companies that have emerged for the financing of small businesses and individuals have experienced explosive growth in recent years and played an important role in the financing of many small enterprises. Different from other credit institutions, microfinance companies mainly solve some small, decentralized and short-term capital needs, which are more in line with the financing characteristics of SMEs. Therefore, it is of great significance to the financial support of SMEs. The data shows that in the first quarter, China's microfinance companies accumulated 42.7 billion new loans, of which a considerable amount of funds entered the production and operation of SMEs. As of the end of March 2011, there were more than 3,000 microfinance companies nationwide, and the loan balance reached more than 240 billion yuan. The report released by the central bank recently pointed out that SMEs have a very important role and significance for the steady and healthy development of China's economy. In the future, financial institutions will fully implement the financial policies that support the development of SMEs, continue to improve financial services for SMEs, and effectively alleviate Difficulties in financing SMEs.
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