Shishi Medium And Small Shoes And Clothing Enterprises Get Financing Like Spring Breeze

"Small and medium-sized enterprises are like spring breeze", "the state uses economic leverage to" finance "small businesses' financing." there are hopes for more small and weak enterprises in Shishi. "

Yesterday, reporters in Shishi several children's clothing, footwear enterprises have heard similar words.

"Shishi enterprises generally feel that financing is difficult this year.

Like us, enterprises with orders and development projects feel that the funding gap is big. Other small businesses with "five voices" are definitely more difficult to finance.

Yesterday, Wang Dong, a key clothing company in the city, said frankly.

According to his analysis, this year's business funds are tight. In the face of various unfavorable factors such as price rise of raw materials, appreciation of Renminbi and rising cost of labor, small and medium-sized enterprises have very limited funds, so the demand for capital is very large.

It is believed that after the tightening of bank loans, the liquidity of many enterprises is more intense, and directly affects the new fixed assets investment of enterprises, forcing some enterprises to turn to private lending with higher cost of capital, and further increase the operating costs and narrow the profit margins of enterprises.

The survival crisis of many small businesses is very prominent.

Now that the country has seen this in time, it has increased the credit scale of commercial banks for small businesses, and many small businesses have been enjoying a good spring breeze, which can be regarded as a new opportunity for development.

    商業銀行聞風而動

Yesterday, the Quanzhou commercial bank as a local commercial bank has made a quick response. In the afternoon, the bank held a special meeting in Quanzhou. According to the spirit of the central bank's "credit scale of the 2008 national commercial banks in the year of 5%%, and the credit scale of local commercial banks increased by 10%%", the article discussed the issue of the credit scale of counties, cities and districts in Quanzhou, aiming to further ease the financing difficulties of small businesses in Quanzhou.

Quanzhou commercial bank Shishi sub branch president Wang told reporters in a telephone interview: Although the specific amount of relaxation is under discussion, it is certain that the credit limit of Shishi SMEs will expand in the second half of this year.

The contradiction between supply and demand of funds after the credit crunch is expected to be eased.

From this point of view, the pressure of commercial banks has eased somewhat. "

People in the city believe that in the first half of this year, with the increase of macroeconomic regulation and control, most commercial banks' new loans are restricted by the credit scale of their superior banks. Now the central bank has appropriately increased the credit scale of small businesses.

Societe Generale Bank Luo vice president also believes that although the current "increase" specific credit lines have not yet come down, but no matter how much the new loan amount is broken down to Shishi, Shishi small and medium-sized enterprises financing problems will ease some.

    做優做強才是根本

"No credit can be granted to any small business after the credit scale is increased."

Yesterday, the head of the CBRC thought so.

"Helping the strong and helping the best is the foundation of the bank. No matter how to increase the scale of credit, the loss making enterprise is still not the object of the bank's support, because the risk prevention is still very important."

City Industrial and Commercial Bank Choi Hung Chang also looked at the problem from the long-term development.

He calculated an account: according to the national commercial bank's credit rating scale 5%%, the national commercial banks will increase about 200 billion of the credit scale this year, eight commercial banks will be divided equally, each bank has about 25 billion, and 31 provinces and municipalities in the whole country will be divided into county and municipal branches by stages, about 1 hundred million.

It can not be said that this country can raise the scale of credit, and any small business can borrow money.

Therefore, more small businesses should not place all their survival hopes in this. Instead, we should take advantage of the "Dongfeng" that the state once again supports small enterprises, get rid of the low level predicament as soon as possible, and become excellent and strong enterprises, and win credit support on the basis of credit and development prospects.

As a commercial bank, it will stick to the policy of "differentiated treatment". We should try to give support to small businesses with good credit, market and development prospects, regardless of the size of credit.

In the first half of the year, ICBC increased more than 1 billion loans, Xing Xing increased by 270 million, and credit 80%% were stronger and better SMEs. This is a big evidence.