To Save Small And Micro Enterprises, We Must Strengthen The Market Power &Nbsp, And Weaken The Power Of The Government.

The State Council quickly issued a series of policies to save it.

At present, the policy is mainly focused on two aspects: one aspect is that in October 26th, the Executive Council of the State Council announced that it would pilot the VAT reform in Shanghai early next year. The purpose is to reduce the burden on small and micro enterprises through structural tax reduction.

On the one hand, the CBRC issued the supplementary notice on supporting commercial banks to further improve the financial services of small and micro enterprises in October 25th. The notice explicitly requested commercial banks to strive to achieve this year: the growth rate of loans for small and micro enterprises is not less than the average growth rate of all loans, the increment is higher than that of the same period of last year, and the credit support for small and micro businesses with a single household credit amount of 5 million yuan is mainly increased.

Among them, commercial banks are allowed to issue special financial bonds for small micro enterprise loans. At present, the industry expects that the size of the first small business debt may reach about 100000000000 yuan.

All the time, the days are not too good.

For small and micro enterprises, this kind of administrative power is not only faster but also more powerful than before.

If implemented, there will undoubtedly be a solution to the survival of small and micro enterprises to a certain extent.

According to the data released recently by the CBRC, as of the end of 2011 8, the balance of small business loans of banking financial institutions reached 10 trillion yuan, but only accounted for 29.3% of the loan balance of enterprises, accounting for only 18.4% of the total loan balance.

Comparing these data, the role of these about 100000000000 yuan can be said to be very limited.

But this is not the most critical problem. The key problem is still the thinking of solving the dilemma of small and micro enterprises, and still adopts the thinking of administrative measures rather than market thinking.

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There have been numerous administrative measures to solve emergencies in China, and the same is true of Wenzhou.

It seems that the efficiency of administrative measures to solve problems has increased a lot. But in fact, administrative means still take the road of short-term behavior, which often leads to new problems when administrative means are used to solve this problem.

For example, this time forcing banks to save small and micro enterprises, they adopted a way to relax tolerance for non-performing loans, and adopted the way that banks must increase loans to small and micro enterprises more than all loans.

This means that banks that have already been the main body of the market must sacrifice the maximization of interest maximization. It also means that there may be a lot of bad loans caused by a lot of power seeking rent-seeking in the process of relaxation. Ultimately, the about 100000000000 yuan of funds will not help the small and micro enterprises to get out of trouble, but will enter some personal pockets.

I believe that this matter through administrative means first aid, it is better to play the role of the market to allow small and micro enterprises themselves to solve the problem.

If we believe that the Chinese private economy represented by Zhejiang businessmen, if we give enough market power, we can do everything possible to solve all kinds of challenges, including the survival and financing difficulties of small and micro enterprises.

The most important thing is to break the monopoly of the financial industry by giving full play to the strength of the market to solve the financing difficulties of small and micro enterprises.

At this time, through the reform of interest rate marketization, it can make the monopolistic banks drop their positions and participate in the fierce competition in the financial market, so that small and micro enterprises can make profits.