The hottest way to expand financing channels and s

Broaden financing channels to solve the financial problems of small and medium-sized enterprises

broaden financing channels to solve the financial problems of small and medium-sized enterprises

China Construction machinery information

Guide: Recently, the people's Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission jointly issued several opinions on further improving the financial services of small and medium-sized enterprises. This document, known as the 18 new regulations, is mainly committed to alleviating the financing difficulties of small and medium-sized enterprises, broadening financing channels, and promoting small and medium-sized enterprises

recently, the people's Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission jointly issued several opinions on further improving the financial services of small and medium-sized enterprises. This document, known as the "eighteen new regulations", is mainly committed to alleviating the financing difficulties of small and medium-sized enterprises, expanding financing channels and promoting the development of small and medium-sized enterprises

small and medium-sized enterprises play an irreplaceable role in China's national economy. At present, the number of small and medium-sized enterprises accounts for about 99% of all registered enterprises, the output value accounts for more than half of GDP, exports account for more than 60% of the total, and the urban jobs created account for more than 70% of the total jobs

however, for a long time, the difficulty of financing has become the primary bottleneck restricting the development of small and medium-sized enterprises. Therefore, governments at all levels and financial institutions have also explored ways and methods to solve the financing difficulties of small and medium-sized enterprises, and achieved good results. According to the loan investment data of financial institutions in the first half of 2010 released by the people's Bank of China, the loan growth rate of small and medium-sized enterprises continues to be higher than that of large-scale enterprises. At the end of June, the loan balance of small enterprises invested by foreign banks from major financial institutions, rural cooperative financial institutions, urban credit cooperatives and system solutions providing human-computer interaction was 6.7 trillion yuan, an increase of 23.9% year-on-year. Seeking various forces, broadening the financing channels of small and medium-sized enterprises at multiple levels, and breaking through the bottleneck of financing difficulties are becoming a new field of financial innovation at present

ensuring "two no less than"

improving the financial services of small and medium-sized enterprises and expanding the credit supply of small and medium-sized enterprises are important strategies for banking financial institutions to carry out credit business

commercial banks are the main channel of financing loans for small and medium-sized enterprises. Doing everything possible to improve the financial services of small enterprises is an important entry point for commercial banks to actively promote economic restructuring this year. For this reason, the CBRC clearly stressed at the beginning of the year that on the basis of the significant breakthrough made in the financial services of small enterprises by banks in 2009, the small enterprise loans of banks in 2010 should ensure that "the growth rate of credit extension should not be lower than that of all loans, and the increment of credit extension should not be lower than that of the previous year"

according to the data of China Everbright Bank, the bank's new loans to small and medium-sized enterprises in the first half of the year were 76.7 billion yuan, with a loan growth rate of 17.41%, much higher than the growth rate of loans to large enterprises. 1575 credit customers to small and medium-sized enterprises were increased, close to the level of last year, accounting for 80% of the bank's corporate customers. In addition, according to the report recently released by the Zhejiang Provincial Development and Reform Commission, as of the end of June, the new loans in local and foreign currencies of financial institutions in Zhejiang Province were 482.2 billion yuan, and the new loans of small enterprises accounted for 45.4% of the new loans of enterprises

while directly supporting the credit of small and medium-sized enterprises, banks are also committed to improving the professional services of credit business. In particular, small and medium-sized banks, based on their own scale, provide more professional and long-term credit services for small and medium-sized enterprises by issuing policy financial bonds

on June 20, Zheshang Bank issued SME collective notes for the first time in Zhejiang Province. The issuing main body was 8 SMEs in Zhejiang Province, with a total issuance amount of 660million yuan, a one-year issuance period, and the interest rate was determined by the market. This is by far the largest and the largest number of issuing enterprises in China. This "bond issuance" broke the previous practice that only large enterprises can issue bonds, and created a new financing model for small and medium-sized enterprises

cumbersome credit procedures, high rates and limited credit lines are also important factors restricting the credit of small and medium-sized enterprises. On June 25, China credit insurance Liaoning Branch launched the "small and medium-sized enterprise insurance policy" for the first time for the thermophysical properties, conductivity, mechanical properties and resistance to atmospheric and corrosive media of experimental materials. It provides export credit insurance with simple procedures and preferential rates for member enterprises with an annual export volume of less than US $5million. Everbright Bank has established a "green credit channel for small and medium-sized enterprises". The loans of small and medium-sized enterprises are not limited by scale and quota, the business approval process is simplified, and the rapid credit extension to small and medium-sized enterprises is realized. With complete credit information, a small and medium-sized enterprise credit can be completed in only about a week

develop financial leasing business

at present, the imperfect capital market and financing environment are the important reasons for the financing difficulties and poor financing channels of small and medium-sized enterprises

on June 18, Everbright financial leasing company opened in Wuhan, focusing on helping small and medium-sized enterprises finance

according to liziqing, chairman of Everbright financial leasing company, the company has signed a 2 billion yuan financial leasing quota agreement with Sany Heavy Industry Co., Ltd., resulting in a financial leasing business of 160 million yuan, and successfully won the bid for the 18.8 million yuan medical equipment financial leasing project of the First Affiliated Hospital of Shantou University Medical College

financial leasing has flexible operation and various means of risk mitigation, which can solve the problems of financing difficulties and equipment renewal of small and medium-sized enterprises, avoid lengthy investment approval procedures, and reduce the interest burden of traditional bank loans. At present, the international application of financial leasing has been relatively mature. By the end of March 2010, the net profit of 12 financial leasing companies had reached 2.5 billion yuan, an increase of 12.76 times over 2007, with a rapid development momentum

while Everbright financial leasing company in Wuhan opened, Beijing Equity Exchange officially launched the transaction of "capital increase and share expansion with resale rights" on June 26. It is reported that at present, this trading mode is being promoted in high growth technology-based small and medium-sized enterprises

create a financing cooperation platform

new functions include the ability to create 3D text labels or newly designed components

as Xie Geng pointed out, the root cause of the lagging financial services of small and medium-sized enterprises lies in "whether the financial environment has the conditions to provide financial services". By expanding debt financing instruments and developing financial leasing business to improve the general environment of capital market for small and medium-sized enterprises' financial services, it will become an important measure to improve the financing channels of small and medium-sized enterprises

the establishment of a policy and legal environment conducive to the healthy development of small and medium-sized enterprises and a financing platform to promote fair market competition will provide protection for the development of small and medium-sized enterprises

according to the data released by Shenzhen Stock Exchange, as of the close of August 6, the total market value of 100 companies on the gem reached 415 billion yuan, the circulation market value was 97.3 billion yuan, and the average p/E ratio was 63.97 times

Lin fan, Secretary of the Discipline Inspection Commission of Shenzhen Stock Exchange, said that the listing of the three companies marked that less than a year, the gem has welcomed 100 companies. Since this year, more than 190 enterprises have been listed on the Shenzhen Stock Exchange, with a total financing of more than 190 billion yuan, marking that China's multi-level capital market has played an increasingly important role in optimizing the financing environment for small and medium-sized enterprises

about 70% of the credit collateral accepted by China's commercial banks are real estate such as land and construction, while more than 70% of the assets of small and medium-sized enterprises are represented by accounts receivable and inventory, which is generally lack of real estate guarantee resources. Allowing guaranteed financing of inventory and accounts receivable will effectively solve the financing difficulties of small and medium-sized enterprises

in response to the wishes of many small and medium-sized enterprises to be listed and raised overseas, Tong Daochi, director of the International Cooperation Department of the CSRC, said in Shanghai on July 21 that the CSRC was considering amending relevant laws and regulations to facilitate the listing of Mainland Small and medium-sized enterprises in Hong Kong. Tong Daochi believes that this will help to change a series of problems caused by the "small red chip" approach to overseas listing in the past, and make full use of the overseas market to achieve listing and financing by supporting Mainland Small and medium-sized enterprises to go public through formal channels and direct listing

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