Xinhua News Agency reporter Huang Mei
Financial tsunami roaring, anti-risk ability of many small and medium poor, much-needed financial support to get by. Reporter visited the Pearl River Delta learned that Guangdong is to increase financial support for the economy, some banks are active in product innovation, initiative simplified loan procedures, and to explore the financing of SMEs break the bottleneck, and actively promoting regional economic growth, a total break out the storm.
To the "cooked rice" more to give life-saving "porridge"
"Billion billion line of credit frequently look very attractive, but companies now need more real hand of loans, although a small number of these, but can be life-saving porridge." Branch of Industrial and Commercial Bank Deputy Governor of Guangdong Province Yang Nanchang, with deep feeling about the problem of financing SMEs. In 2008, the bank small business loans to total payment of 38.5 billion yuan, nearly four thousand small and medium enterprises to effectively alleviate the "urgent needs."
Spread of financial crisis, has caused some companies to survive a severe test. Foshan City, a person in charge of adhesive products company, said Mr. Zhu, in October 2008 was the turning point on the business, the recent 1 / 3 production has been halted. Surprisingly, the financial crisis the United States more people to eat instant noodles, plastic products matching needed. Business in a timely manner to get the bank loan, a new plastic package of instant noodles production line, now become the main anchor.
Some companies find opportunities in the crisis, also need financial support. Dongguan Kingsun Optoelectronic Co., Ltd., Li Xuliang said Kingsun from 2004 to the semiconductor lighting from traditional lighting upgrade, the current formulation of national standards for the semiconductor lighting unit commitment, business market trends to achieve leapfrog development, the end of 2008 received a 3 million yuan in order to get a lot of Chinese and foreign venture capital institutions and banks, financing of all ages.
Loans for SMEs "short, frequent and urgent," the characteristics of financial institutions in Guangdong, by tilting the resources, innovative products, and actively address the problem of financing SMEs. Reporter learned from the Banking Bureau of Guangdong, the first three quarters of 2008, Guangdong more than 160,000 small businesses access to bank credit; the third quarter of them in Guangdong ICBC loans to SMEs invest hundreds of million yuan, up 52% over the second quarter.
Old said the bank "credit crunch" insiders "have something to say"
Limited financial resources, many SMEs can not meet all the demand for loans. The face of some banks "credit crunch" public opinion, many people in the industry, "Jiao Yuan."
Guangdong Banking Bureau said, since 2008, its jurisdiction does not exist banks credit crunch problems, the contrary reflects a lot of commercial banks, the banks operating in pursuit of profit as the main target, provided that they meet bank lending criteria, the cost can be considered, the risk control of loans, banks will give them every support.
The largest share of the market work behavior of cases in Guangdong, the bank has set up a service company for the two SMEs. The vice president Xia Guojie, starting from October 2008 to the headquarters office in Guangzhou is not the basic, long-term stagnation in Zhongshan City, he helped promote the SME loan business.
By the financial crisis in the large City banks to increase support for SMEs. Industrial and Commercial Bank branch in Dongguan New Vice President Chen Jing said, "no small instability, no major is not strong," SMEs are the flesh and blood banking. As of 11 at the end of 2008, the bank issued 11.4 billion in loans to SMEs, is the support of local financial institutions, the largest.
For many years in Foshan Dudong Long, daily attention to the progress of SME loans. Dudong Long said the business from the market for the development of SMEs should be the main customers of banks. Foshan City, about 29 million businesses, 98% are SMEs, small and medium businesses do not do it?
"Math" Exploring SME financing bottleneck breakthrough
Great social pressure, but also momentum. In 2009, SMEs in the history of financial services are facing an unprecedented opportunity, but should pay attention to the risks of rapid expansion.
Yang Nanchang, said the bank would use "Math" method to provide financial support for SMEs. "Addition" refers to intensify focus on the fundamentals of good support given to SMEs, special guarantee. "Subtraction" is defined under the premise of preventing risks, reduce the loan approval process, and further to credit approval authority to the county branch of a good credit environment. "Multiplication" refers to the technological transformation of enterprises to play a fund to support the multiplier effect. "Division" is the high pollution, high energy SMEs removed from the list of candidates out of credit.
To develop small and medium enterprises in the business, banks to enhance risk control capacity is extremely pressing needs. Peng Zhijian Banking Secretary of Guangdong, said financial services for SMEs have to maintain pressure to adhere to structural adjustment, adhere to risk control, sustainable development; to ensure that SME credit growth higher than the average growth rate of total loans, loans to households to ensure that SMEs more numbers and increase the loan amount. Yang Nanchang proposed the complete elimination of local protectionism, and resolutely fight against all acts of evasion of bank debts, all levels of government should continue to build a good financial environment for SMEs to finance good credit environment.
Some companies suggested that banks should take the initiative to meet the business needs to develop a more focused financial products. Li Xuliang that the power to Kingsun LED (semiconductor lighting) replace the original high pressure sodium lamps can save energy by 60% or more. However, higher prices of energy-saving lamps, lamp large investment projects, the proposed bank and the government, businesses work together to develop a can "hire" the financial solutions, and promote energy conservation projects.
Professor of Economics, Jinan University, doctoral Du Jinmin that solve the problem of financing SMEs, not only to ask the Government to a policy bank for loans, while restricting corporate governance should be sustained and healthy development of the knot disease start their own small and medium enterprises should actively find ways to response to the crisis. To guide SMEs through the strengthening of management, standardize operations, improve the technological content of products to enhance its strength and credibility, and continuously improve their risk resistance capacity and solvency.
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