[Versterking van het kredietvolume Kleine en micro-ondernemingen financiering staat nog steeds onder druk] Since the beginning of this year, the central bank has implemented two targeted RRR cuts to support the development of the real economy and small and micro enterprises. Experts from the industry predict that one or two RRR discounts are possible during the year and that liquidity is sufficient. At the same time, the latest financial data released by the central bank in July also showed that the amount of bank credit is increasing. But industry insiders say it takes time and process to transfer policy to the entity. (China Business Network)
"We never applied for a loan because Bank has no quotas, and our company is a high-tech light-asset company, there is no collateral and bank loans are difficult." A senior executive company in the field of energy technology, headquartered in Guangzhou, told the China Business Journal.
The funding pressure of this new company in the field of energy technology may not be a case, the reporter visited and found that some individual industrial and commercial households and farmers also have similar problems. "In fact everyone has a shortage of money, but we are not prepared to go to the bank loan, except interest rate there is not much advantage: the procedures are cumbersome, there are too many materials to be prepared and the bank is being restarted time after time and the company is delayed. " The owner of a small business said.
In fact, the central bank implemented two targeted RRR cuts this year to support the development of the real economy and small and micro enterprises. Experts from the industry predict that one or two RRR discounts are possible during the year and that liquidity is sufficient. At the same time, the latest financial data released by the central bank in July also showed that the amount of bank credit is increasing. But industry insiders say it takes time and process to transfer policy to the entity.
Bill financing and resident loans in the first place
On 13 August the central bank released financial statistics showing that the amount of credit was increased in July, but the increase in the scale for social financing was still relatively low. More specifically, RMB loans increased by 1.45 trillion yuan in July, an increase of 627.8 billion yuan over the same period last year, but the increase in social financing scale was lower than the increase in loans, only 1.04 trillion yuan, 12.42 billion less than in the same period of the previous year. yuan.
Huatai Finance Shen Juan team analysis believes that nearly half of the loans in July were loans for infrastructure and small and micro enterprises. Because the investments in small and micro enterprises fixed investment are small, it is considered that the new loans for small and micro enterprises are mainly invoices and some loans for residents. The relative risk of bank loans is low and the liquidity of invoices is good, indicating that banks are still cautious about small and micro-enterprise loans and are using high risk management standards.
"Financing pressure has always existed: When business efficiency is good, some banks have taken the initiative to apply for loans We have made a one-year loan with working capital in the local commercial bank of the city, the loan amount is 5 million yuan,  The reference interest rate has increased by 50%. Before the expiration date came, the account manager came to us and said that the loan can be renewed on time, but after the material has been submitted to the bank, it has not been approved. "The reason is unknown. "Hebei The financial manager of a food production and processing company said:" In the bank loan of 5 million yuan the term is one year, besides paying interest it is also not necessary to pay the guarantee premium, it is not even cost effective so that it can have a stable fund. Source, multi-lending for several years. "
Similarly, Mr. Sun, who spent two years in the hospitality industry in Beijing, told reporters that their" circle "businessmen rarely use bank loans for financing." Because in our opinion traditional banks will not lend money to such small startups, Most funding channels are to find employees to buy shares, private loans or direct companies, but these have their own advantages and disadvantages. Everyone generally believes that the funds are difficult. "
The executives of the new energy technology company headquartered in Guangzhou said:" Our company is a high-tech light-active company. Without proper collateral, bank loans are difficult to do. So far, we have not applied for bank loans. "
According to information from Kaixinbao, the new energy company has a registered capital of more than 50 million yuan and 26 patent information There is no information on dishonesty and bad data.The company's executives told the reporters that because the bank loans are difficult , the company's main financing method is equity financing.
Since the past year, financial institutions have been more cautious in the context of vigorous financial supervision with lending, with the introduction of a number of policy measures by the central bank and the China Insurance Regulatory. Commission, supporting the real economy and small and micro enterprises has become an important area for lending to small and medium-sized banks.
A large-scale commercial city bank in Hebei told the reporter that the main activities of the bank for the publicdomain since last year were small and micro enterprises. According to the introduction, the bank's current loan rate for small private companies is about 6%.
In addition, CITIC Bank a credit advisor explained that the current investment of the bank is mainly "three big three high three new", namely high-tech, high-end production, high-quality services and consumption, great Culture, good health, environmental protection, new energy, new materials, new models and other areas.
"Small micro-small microfinance may be good"
On 13 August the China Insurance Regulatory Commission announced the latest data showing that from the end of the second quarter of 2018 banks financial institutions involved in agricultural loans (not The balance of financing with invoiced financing amounted to 32 trillion yuan, up 7.3% year-on-year.) The balance of loans for small and micro enterprises (including loans for small and micro -companies, individual industrial and commercial loans and loans for small and micro enterprises) amounted to 32 trillion yuan, the increase was 13.1%.
A marketing director of a bank in Zhejiang said: "It is not money for small and micro-enterprises, and small and micro enterprises have developed. "He said that in the region where he is, there are three to five banks that focus on small and micro- companies. The market for capital goods forms a benign competition and the advantage is small and micro-enterprises. "If you can create this kind of environment, financing for small and micro enterprises is not difficult and in principle their reasonable financing needs will be met."
In addition, the director believes that the business environment is also very important, "only small and micro enterprises are good." Small microfinance can be good, "he said." Different banking divisions are different: it argues for support of small and micro-enterprises, but that does not mean that all banks have to shift their business focus to small and micro enterprises, and the overall liquidity changes are not necessarily direct. This is reflected in small and micro enterprises and a process is required for the transfer of the policy. "
In fact, solving the financing problems of small and micro enterprises requires a lot of effort. Guoxin Securities Banking Chief Analyst Wang Jian," rising interest rates and tax cuts "is a a favorable way to solve the problem of small and microcredit, instead of just encouraging banks, and believes that "rising interest rates" will help alleviate the financing difficulties of small and medium-sized enterprises. "The interest rate increase is not to raise the interest rate benchmark, but to liberalize the rules so that the bank can determine the floating ratio and realize the risk pricing. "
Wang Jian believes that the small and micro-enterprise reform of the financial services and innovation in Taizhou City, Zhejiang Province, and in the pilot area it is a good example to explore ways mitigate problems of small and micro enterprises by developing new forms of franchised financial institutions and internet financial services, supporting small and micro enterprises to finance domestic and foreign companies directly and to improve the credit system. He said: "The tax reduction and rate reduction is the best way to support Xiaowei."
On 11 August, the official website of the China Insurance Regulatory Commission stated that it would strengthen supervision and leadership, open the monetary policy transmission mechanism and improve the economic level of financial services. Efforts are being made to alleviate the problem of funding difficulties for small and micro enterprises, to optimize the supervision and evaluation methods for small and micro financial services, to strengthen the supervision and assessment of loan costs and loans, regulatory measures such as reimbursement to implement loans and due diligence and to improve the tolerance of loans to small and micro enterprises. Play effectively the stimulating role of the "stick" of monitoring and evaluation.
In the next phase, Minsheng Bank Principal Investigator Wen Bin said that with the implementation of relevant monetary policy transfer policy, financial institutions will further increase their support for the real economy and improve the problem will solve. "Three rural", small and micro enterprises that finance financing difficulties and expensive financing.