With the implementation of rounds of tightening policies, the capital chain in the market has become tight, and the plight of SMEs has intensified. Just a few days ago, some media reported that the plight of the survival of Zhejiang private enterprises is still spreading. The Secretary-General of the Zheshang Investment Research Association, Cai Wei, said that there are currently 360,000 SMEs in Wenzhou, of which 30% are in semi-cessation or shutdown status. Correspondingly, SMEs have a prominent shortage of money, and interest rates on private lending go higher and higher, and the risk of borrowing credits is looming.
What is the predicament of the survival of SMEs in the Pearl River The details of the previous details are unknown, but media reports in the same city may be a glimpse of the situation. Recently, the media said: Jun'an Town, Foshan City, Guangdong Province, which is known as the “town of cowboys,†nearly 100 cowboy clothing enterprises in the past six months Has closed down. Chen Yaohua, president of the Dongguan Textile and Apparel Industry Association, also stated that Dongguan companies, like those in the Yangtze River Delta, are currently in the most dangerous period since 2008. It is further claimed that the current crisis situation faced by SMEs exceeds the pressure of the 2008 financial crisis.
Guangzhou: Banking is difficult to borrow, companies seek private loans in the circle of acquaintances. Temporary collapse of SME funding collapse in Guangzhou City The special study of Guangzhou's economic and trade sector found that at present, Guangzhou has not found large-scale SMEs to collapse due to capital chain breaks. Case. Due to the drastic tightening of bank credits this year, Guangzhou SMEs have been slamming their applications. After encountering banks, they have turned their attention to other channels.
Getting money to become a major issue for most small businesses "Money" is not enough to constrain the company's development Recently, a forest owner in the handmade art industry in Baiyun District has been frowning. "The increase in production costs, the continuous shrinking of profits, the beginning of capital shortages, and the failure of the banks to give up," and "finding money" have become the most important thing for Lin Lin.
This is not a case. In fact, the current search for money has become a major issue for most small businesses. A survey on the status quo of SMEs in the public service network platform of SMEs in Guangzhou shows that 50% of voters choose “funds†for the “primary constraints to business developmentâ€. Talent.
Some experts said that due to the small accumulation of SMEs, they often cannot provide their own real estate as collateral. Especially in the urban area of ​​Guangzhou, a large number of professional markets are dominated by commerce and trade companies, and the business premises are mostly leased. Banks often find it hard to accept the pledge of operating leases to give credit support to commercial and commercial enterprises.
Most banks need to rate corporate credit customers. Poor financial reports have made most SMEs unable to meet the minimum entry threshold for bank credit customers.
“The difficulty of ** is an old topic for SMEs.†Wu Minggao, member of the Guangzhou Municipal CPPCC Committee and chairman of Guangzhou Yilong Precision Machinery Co., Ltd., said that according to his understanding, there are indeed a number of SMEs in Guangzhou that have closed down, but he believes that SMEs The more important factor in the closure is the increase in manpower and material costs. Plant rents, rents, etc. are also rising exponentially. "If you go too far, you can't go on and you can't go on."
"Guangzhou's small and medium-sized business owners are all quite real people, and they have to see how much money they can do." Wu Mingao said that the bosses of many small and medium-sized enterprises that he comes across encounter "bad money", often through the form of lending. It is relying on credibility in the acquaintance circles to seek private lending.
Nearly 7,000 small and medium-sized enterprises registered demand for nearly 5.9 billion total. It is understood that Guangzhou's economic and trade departments also recently conducted a special study on the environment of SMEs in Guangzhou.
According to the latest briefing by the Guangzhou Municipal SME Bureau, due to the drastic tightening of bank credits this year, Guangzhou SMEs have been hampered by difficulties. After encountering banks, they have turned their attention to other channels, small and medium-sized financial institutions, private lending and The proportion of emerging ** channels such as the pawn industry in SMEs continues to increase.
According to the briefing, the financial crisis in 2008 eliminated a group of small and medium-sized enterprises with backward technologies and low risk-tolerance capabilities in Guangzhou. SMEs that survived and continued to operate have a certain degree of economic strength, risk resistance and environmental adaptability. In Guangzhou, no large-scale SMEs have been found to have closed down due to capital chain breaks."
How to solve the problem of SMEs? It is understood that Guangzhou is guiding and encouraging financial institutions to increase credit support for SMEs. Statistics show that as of the end of May, there were 6,819 small and medium-sized enterprises registered for SMEs in Guangzhou, with a total demand of nearly 5.9 billion; 34 financial institutions, 126 SMEs, and ** varieties; 215 times, involving an amount of nearly 7 billion yuan.
Guangzhou also established the SME ** Guarantee Services Alliance. The "Alliance" unites financial institutions, guarantees, and investment institutions to achieve information sharing, so that the company will seek to become a "financial supermarket" in the future, with more product choices and greater likelihood of success. As of the end of May, 49 units including **guarantee institutions, commercial banks, securities companies, investment companies, and microfinance companies have joined the alliance.
What is the predicament of the survival of SMEs in the Pearl River The details of the previous details are unknown, but media reports in the same city may be a glimpse of the situation. Recently, the media said: Jun'an Town, Foshan City, Guangdong Province, which is known as the “town of cowboys,†nearly 100 cowboy clothing enterprises in the past six months Has closed down. Chen Yaohua, president of the Dongguan Textile and Apparel Industry Association, also stated that Dongguan companies, like those in the Yangtze River Delta, are currently in the most dangerous period since 2008. It is further claimed that the current crisis situation faced by SMEs exceeds the pressure of the 2008 financial crisis.
Guangzhou: Banking is difficult to borrow, companies seek private loans in the circle of acquaintances. Temporary collapse of SME funding collapse in Guangzhou City The special study of Guangzhou's economic and trade sector found that at present, Guangzhou has not found large-scale SMEs to collapse due to capital chain breaks. Case. Due to the drastic tightening of bank credits this year, Guangzhou SMEs have been slamming their applications. After encountering banks, they have turned their attention to other channels.
Getting money to become a major issue for most small businesses "Money" is not enough to constrain the company's development Recently, a forest owner in the handmade art industry in Baiyun District has been frowning. "The increase in production costs, the continuous shrinking of profits, the beginning of capital shortages, and the failure of the banks to give up," and "finding money" have become the most important thing for Lin Lin.
This is not a case. In fact, the current search for money has become a major issue for most small businesses. A survey on the status quo of SMEs in the public service network platform of SMEs in Guangzhou shows that 50% of voters choose “funds†for the “primary constraints to business developmentâ€. Talent.
Some experts said that due to the small accumulation of SMEs, they often cannot provide their own real estate as collateral. Especially in the urban area of ​​Guangzhou, a large number of professional markets are dominated by commerce and trade companies, and the business premises are mostly leased. Banks often find it hard to accept the pledge of operating leases to give credit support to commercial and commercial enterprises.
Most banks need to rate corporate credit customers. Poor financial reports have made most SMEs unable to meet the minimum entry threshold for bank credit customers.
“The difficulty of ** is an old topic for SMEs.†Wu Minggao, member of the Guangzhou Municipal CPPCC Committee and chairman of Guangzhou Yilong Precision Machinery Co., Ltd., said that according to his understanding, there are indeed a number of SMEs in Guangzhou that have closed down, but he believes that SMEs The more important factor in the closure is the increase in manpower and material costs. Plant rents, rents, etc. are also rising exponentially. "If you go too far, you can't go on and you can't go on."
"Guangzhou's small and medium-sized business owners are all quite real people, and they have to see how much money they can do." Wu Mingao said that the bosses of many small and medium-sized enterprises that he comes across encounter "bad money", often through the form of lending. It is relying on credibility in the acquaintance circles to seek private lending.
Nearly 7,000 small and medium-sized enterprises registered demand for nearly 5.9 billion total. It is understood that Guangzhou's economic and trade departments also recently conducted a special study on the environment of SMEs in Guangzhou.
According to the latest briefing by the Guangzhou Municipal SME Bureau, due to the drastic tightening of bank credits this year, Guangzhou SMEs have been hampered by difficulties. After encountering banks, they have turned their attention to other channels, small and medium-sized financial institutions, private lending and The proportion of emerging ** channels such as the pawn industry in SMEs continues to increase.
According to the briefing, the financial crisis in 2008 eliminated a group of small and medium-sized enterprises with backward technologies and low risk-tolerance capabilities in Guangzhou. SMEs that survived and continued to operate have a certain degree of economic strength, risk resistance and environmental adaptability. In Guangzhou, no large-scale SMEs have been found to have closed down due to capital chain breaks."
How to solve the problem of SMEs? It is understood that Guangzhou is guiding and encouraging financial institutions to increase credit support for SMEs. Statistics show that as of the end of May, there were 6,819 small and medium-sized enterprises registered for SMEs in Guangzhou, with a total demand of nearly 5.9 billion; 34 financial institutions, 126 SMEs, and ** varieties; 215 times, involving an amount of nearly 7 billion yuan.
Guangzhou also established the SME ** Guarantee Services Alliance. The "Alliance" unites financial institutions, guarantees, and investment institutions to achieve information sharing, so that the company will seek to become a "financial supermarket" in the future, with more product choices and greater likelihood of success. As of the end of May, 49 units including **guarantee institutions, commercial banks, securities companies, investment companies, and microfinance companies have joined the alliance.
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