The Eighth Guangzhou Central Fair: The Total Credit Cost Of Smes Is As High As 13%.

Despite the tightening of money this year, Guangdong's banking sector's support for SME loans has not been reduced. By the end of 7 this year, half of the new loans in Guangdong's banking industry had been put into small and medium-sized enterprises.

However, heavy tax burden and high credit cost have also become a burden for SMEs.

The Eighth China International Small and medium enterprises Exposition (hereinafter referred to as the "China Fair") was held in Guangzhou in from September 22nd to 25th. During this period, data from the Guangdong Banking Regulatory Bureau showed that as at the end of 7 this year, the total amount of loans left by foreign financial institutions in Guangdong province (excluding bills) amounted to 1 trillion and 505 billion 340 million yuan, accounting for 41.81% of the total loans in the same period, an increase of 150 billion 81 million yuan over the beginning of the year, an increase of 11.07%, accounting for 53.44% of the total loans in the same period.

"Profit 900 thousand, tax 2 million 990 thousand".

Some banks' growth in loans to SMEs is also quite obvious. The head of Guangdong Development Bank told the first financial daily that as of the end of August this year, the balance of general loans of SMEs in Guangdong Development Bank was more than 180 billion yuan, which accounted for nearly 50% of the general loans to public enterprises. The average loan customers of SMEs accounted for nearly ten thousand households, accounting for more than 80% of the general loans customers to public enterprises, and the business balance of the "good financing" business of the main products of Guangdong Development Bank, which exceeded 50 billion yuan, and the number of customers exceeded 4400 households, respectively, increased by 277% and 195% compared with the beginning of 2010.

Minsheng Bank (600016, stock bar) said that under the situation of tightened monetary and credit policies this year, Minsheng Bank will continue to invest 60% of all new loans to small and micro businesses. By the end of 6, the number of effective assets of SMEs in the Minsheng Bank's SME financial services department was over 8000, and the balance of loans for SMEs was about 90 billion yuan, up 459% and 1133% respectively compared with that before the establishment of the Ministry of Commerce (November 2007). The head of China postal savings bank, Guangdong branch, said that the bank added more than 2/3 of the amount this year to support small and small business loans. The balance of small business loans increased from 360 million yuan to 2 billion yuan at the beginning of the year, an increase of 456%.

But it is undeniable that the appreciation of the renminbi, the price of raw materials and The labor Under the conditions of rising costs, slowing international demand and tightening domestic monetary policy, the survival and development of SMEs this year have encountered unprecedented difficulties.

At the current China Expo, a representative of the business owners listed a bill, which represents an annual profit of 900 thousand yuan, while the taxes and fees paid in one year are as high as 2 million 990 thousand yuan. The director of vice president of a small business in Guangzhou IT told this newspaper that taxes on small and medium-sized enterprises were indeed heavy, including income tax, value-added tax, business tax, educational surcharge, property tax and so on. Taking the enterprise as an example, the value added tax was only 17%, and the business tax was 33%. The source said that for small and medium enterprises at present, solving the loan problem and reducing taxes is the two biggest problem, otherwise enterprises will be difficult to grow.

25, He Xiaojun, deputy director of Guangdong banking regulatory bureau, "small business" in China Expo. financial service Innovation, "bank enterprise dialogue" activities, when it was investigated in Dongguan, the banking industry failed to find qualified SMEs to lend support. An important reason is that many small and medium-sized enterprises, because of the burden of Taxation, have to avoid tax and fees through various means to reduce their own burden, resulting in imperfect credit records and information transparency, and encountered obstacles in bank financing. According to a bank survey of tens of thousands of enterprises in Dongguan, less than 40% of small businesses have qualified financing conditions, that is, complete financial statements, clear information disclosure, and improved profits and tax records. He Xiaojun also appealed to relevant departments to solve the heavy burden of tax burden on SMEs.

Interest rates go up plus other costs.

As an enterprise representative, some small and medium-sized enterprises have said that this year's financing costs are pressure for SMEs. The interest rates of banks are up to 30%~50% on the benchmark interest rate, plus guarantees and other expenses. The total cost of loans to SMEs by some banks is around 13%. "What is the use of a loan if the tax is heavy and the profit is little?" The above-mentioned IT industry vice chairman of small business to this newspaper said.

A small and medium-sized enterprise of a joint-stock bank insiders told this newspaper that, generally speaking, SMEs are mortgaged this year. loan When interest rates float at least 10%~15%, plus 1% of the management fee, the total interest rate is calculated to be about 8%~9%. If small and medium-sized enterprises make credit loans, the loan interest rate will generally float 50%~80%, plus 1% of the management fee, the total cost of the loan will reach 10%~12%. "If the bank loan is guaranteed by Guarantee Corporation, and the 1%~2% guarantee fee is charged, the cost of 13% is normal. But the problem now is that loans are basically not available. This year, the banking sector is basically the same. The quota has been very tight. The second half is more intense, and the big banks may be slightly better. (