On the one hand, it is difficult for SMEs to meet the needs of the banks and the private capital is full of investment impulses. However, the risk of private lending in the gray zone has intensified. In order to explore the way out of private capital, the Morning Post reporter recently visited the "sunshine private lending" between the officials and the people - the small amount of the company.
Wen warmly stressed that it is necessary to support financial institutions that specialize in providing services to small and micro enterprises, and at the same time strengthen the supervision of private lending, and take effective measures to curb the tendency of prostitution. The expanded meeting of the Standing Committee of the Quanzhou Municipal Party Committee held this week also promoted the support of SMEs, and proposed to select more than 100 small and medium-sized enterprises each month to provide special financial support and actively operate non-banking financial institutions such as small-sum companies. The news made many heads of small companies happy.
It is even harder for small and micro enterprises to borrow money. Even if they can borrow money from the bank, the time for approval is long, and interest cannot be calculated on a weekly basis. It is often heard that business owners have this complaint. Indeed, for SMEs with short-term capital turnover, it is obviously uneconomical to have a one- or two-week loan to repay the entire month's interest. In this context, the small amount of companies approved for establishment in the 2008 financial crisis has gradually become a powerful backup for corporate capital turnover. In May 2008, after the China Banking Regulatory Commission and the People's Bank of China issued the “Guidance on Pilot Projects for Small Value ** Companiesâ€, the number of small-scale ** companies that have been opened in the country has exceeded 500 in less than a year. This data is still constantly updated. .
Goldman Sachs Gao Hua Securities analyst Marin believes that the current real interest rate is low, and the economic individual wants to borrow money. How to allocate credit lines is a big problem. Local governments, big companies, and small businesses must divide their cakes. Financial supervision imposes high requirements on the bank's asset quality. It has high interest rates and high returns. It makes money for banks, but the level of non-performing rates is high. The current regulatory environment needs to be adjusted, and the rate of tolerance for SMEs' non-performing loans should be liberalized. . At the same time, the development of various other financial institutions is encouraged. Small companies and PEs have natural advantages in the provision of services, and they are not subject to the requirements of the regulators regarding the non-performing rate.
The small amount of ** is a legitimate way out. Quanzhou has 70 listed companies, and there are already many powerful bosses. They have used hundreds of millions of dollars to register and set up small-value ** Ltd., from tens of thousands of yuan. Ten million, these companies have provided a legal and relative market financing channel for some SMEs and even individuals. At present, there are about 10 small-scale ** companies that are officially registered and legally operated on the ground in Quanzhou, and the same data has been updated this year. Faced with the current global economic situation, Microfinance has opened the door for SMEs.
Recently, the reporter visited the 20 leading enterprises in Jinjiang to participate in shares, and in 2008 it was established in Fujian Province, the first experimental small-value ** Co., Ltd. - Hengcheng Microfinance Limited. It is reported that up to now, Hengcheng has cumulatively issued ** 2.358 billion yuan, providing timely rain to 150 companies.
"What is certain is that Microfinance has played a useful auxiliary role for banks." The relevant person in charge of a Quanzhou branch of a bank in Quanzhou believes that with the small amount of company's supplementary services, to a large extent Helping companies and stabilizing the market also avoid the loss of bank funds. "Of course, strengthening supervision is also very important," said the person in charge.
“We must supervise the establishment of two high-voltage lines, one is to prevent illegal fund-raising, and the other is that we cannot borrow funds from the guarantee company.†The relevant person in charge of the Jinjiang Economic and Trade Bureau that participated in the establishment of the Microfinance Company believes that Quanzhou's private health assets also include Many companies, such as Hengcheng, which directly register and operate with leading companies, are certainly a useful supplement to the financial industry. Sometimes they can even be said to be life-saving straws for SMEs. “Interest rates are within the scope of statutory protection and the procedures are relatively simple. Small and medium-sized enterprises and individuals who are in urgent need of money can afford to absorb the negative emotions of the society. It is good for stability and development. Of course, such companies should also be strengthened. Supervision and guidance will allow them to have room for development and survival so that it can help suppress the now overheated private high-interest rate loans and avoid the high risk of capital chain fracture, said the person in charge.
The situation has changed the risk control is difficult compared to the banks, the significant feature of the small amount of ** company is the rapid approval, high efficiency, can solve the problem of SMEs. Under the popular buzz, Quanzhou has gradually added several small-value companies such as Fortress' innovation and Shishi's Fortune Silver Microfinance company. These small-scale ** companies, approved by the provincial economic and trade commission, have a mode of operation that is similar to that of Hengcheng: Small, scattered, and fast!
As the "leader" of the small-scale company in the province, Hengcheng Microfinance Co., Ltd. has accumulated some experience in how to serve SMEs for three years, but in the face of the current complex and difficult economic situation, it is also the same. Facing the problem of risk control. At present, SMEs have a large number of outstanding accounts receivables, and the cash flow is significantly reduced. The business risks faced by the enterprises are higher than those of the 2008 financial crisis. How to find a business path that can efficiently serve small and medium-sized enterprises while effectively controlling risks in a difficult and complex economic environment is a management issue faced by all small-scale companies, and it is also a topic that effectively guides legalization. .
If you want to upgrade to a village bank, for a small company, it is their common desire to successfully upgrade to a bank. In accordance with the relevant regulations, if a company with a small amount of ** is operating in accordance with laws and regulations and does not have a bad credit record, it can be transformed into a village and town bank on the basis of the voluntary shareholders, in accordance with the "Guidelines for Approval of the Establishment of Rural Banks" and the "Provisional Regulations on the Administration of Rural Banks".
According to the relevant regulations, if a small amount of companies want to upgrade, they must hand over the original controlling rights “shouyinâ€, which is equivalent to sharing their own operating results in recent years with the banks almost free of charge. This point is difficult to be accepted by the original shareholders, it is also destined to the tortuous path of the formalization of private financial institutions. “We cannot be transformed into a rural bank because the rural bank regulations must be controlled by regular banks. We have to work hard to get others to pick the fruits. This is obviously unreasonable, and precisely because of this, the small amount of companies are currently in a comparison. In an embarrassing situation, it is not a financial industry, but it is doing a lending business,†said the person in charge of the relevant microfinance company, but they also believe that with the government’s attention, the future microfinance companies will still have a chance to compete in the financial sector. Have a place.
Wen warmly stressed that it is necessary to support financial institutions that specialize in providing services to small and micro enterprises, and at the same time strengthen the supervision of private lending, and take effective measures to curb the tendency of prostitution. The expanded meeting of the Standing Committee of the Quanzhou Municipal Party Committee held this week also promoted the support of SMEs, and proposed to select more than 100 small and medium-sized enterprises each month to provide special financial support and actively operate non-banking financial institutions such as small-sum companies. The news made many heads of small companies happy.
It is even harder for small and micro enterprises to borrow money. Even if they can borrow money from the bank, the time for approval is long, and interest cannot be calculated on a weekly basis. It is often heard that business owners have this complaint. Indeed, for SMEs with short-term capital turnover, it is obviously uneconomical to have a one- or two-week loan to repay the entire month's interest. In this context, the small amount of companies approved for establishment in the 2008 financial crisis has gradually become a powerful backup for corporate capital turnover. In May 2008, after the China Banking Regulatory Commission and the People's Bank of China issued the “Guidance on Pilot Projects for Small Value ** Companiesâ€, the number of small-scale ** companies that have been opened in the country has exceeded 500 in less than a year. This data is still constantly updated. .
Goldman Sachs Gao Hua Securities analyst Marin believes that the current real interest rate is low, and the economic individual wants to borrow money. How to allocate credit lines is a big problem. Local governments, big companies, and small businesses must divide their cakes. Financial supervision imposes high requirements on the bank's asset quality. It has high interest rates and high returns. It makes money for banks, but the level of non-performing rates is high. The current regulatory environment needs to be adjusted, and the rate of tolerance for SMEs' non-performing loans should be liberalized. . At the same time, the development of various other financial institutions is encouraged. Small companies and PEs have natural advantages in the provision of services, and they are not subject to the requirements of the regulators regarding the non-performing rate.
The small amount of ** is a legitimate way out. Quanzhou has 70 listed companies, and there are already many powerful bosses. They have used hundreds of millions of dollars to register and set up small-value ** Ltd., from tens of thousands of yuan. Ten million, these companies have provided a legal and relative market financing channel for some SMEs and even individuals. At present, there are about 10 small-scale ** companies that are officially registered and legally operated on the ground in Quanzhou, and the same data has been updated this year. Faced with the current global economic situation, Microfinance has opened the door for SMEs.
Recently, the reporter visited the 20 leading enterprises in Jinjiang to participate in shares, and in 2008 it was established in Fujian Province, the first experimental small-value ** Co., Ltd. - Hengcheng Microfinance Limited. It is reported that up to now, Hengcheng has cumulatively issued ** 2.358 billion yuan, providing timely rain to 150 companies.
"What is certain is that Microfinance has played a useful auxiliary role for banks." The relevant person in charge of a Quanzhou branch of a bank in Quanzhou believes that with the small amount of company's supplementary services, to a large extent Helping companies and stabilizing the market also avoid the loss of bank funds. "Of course, strengthening supervision is also very important," said the person in charge.
“We must supervise the establishment of two high-voltage lines, one is to prevent illegal fund-raising, and the other is that we cannot borrow funds from the guarantee company.†The relevant person in charge of the Jinjiang Economic and Trade Bureau that participated in the establishment of the Microfinance Company believes that Quanzhou's private health assets also include Many companies, such as Hengcheng, which directly register and operate with leading companies, are certainly a useful supplement to the financial industry. Sometimes they can even be said to be life-saving straws for SMEs. “Interest rates are within the scope of statutory protection and the procedures are relatively simple. Small and medium-sized enterprises and individuals who are in urgent need of money can afford to absorb the negative emotions of the society. It is good for stability and development. Of course, such companies should also be strengthened. Supervision and guidance will allow them to have room for development and survival so that it can help suppress the now overheated private high-interest rate loans and avoid the high risk of capital chain fracture, said the person in charge.
The situation has changed the risk control is difficult compared to the banks, the significant feature of the small amount of ** company is the rapid approval, high efficiency, can solve the problem of SMEs. Under the popular buzz, Quanzhou has gradually added several small-value companies such as Fortress' innovation and Shishi's Fortune Silver Microfinance company. These small-scale ** companies, approved by the provincial economic and trade commission, have a mode of operation that is similar to that of Hengcheng: Small, scattered, and fast!
As the "leader" of the small-scale company in the province, Hengcheng Microfinance Co., Ltd. has accumulated some experience in how to serve SMEs for three years, but in the face of the current complex and difficult economic situation, it is also the same. Facing the problem of risk control. At present, SMEs have a large number of outstanding accounts receivables, and the cash flow is significantly reduced. The business risks faced by the enterprises are higher than those of the 2008 financial crisis. How to find a business path that can efficiently serve small and medium-sized enterprises while effectively controlling risks in a difficult and complex economic environment is a management issue faced by all small-scale companies, and it is also a topic that effectively guides legalization. .
If you want to upgrade to a village bank, for a small company, it is their common desire to successfully upgrade to a bank. In accordance with the relevant regulations, if a company with a small amount of ** is operating in accordance with laws and regulations and does not have a bad credit record, it can be transformed into a village and town bank on the basis of the voluntary shareholders, in accordance with the "Guidelines for Approval of the Establishment of Rural Banks" and the "Provisional Regulations on the Administration of Rural Banks".
According to the relevant regulations, if a small amount of companies want to upgrade, they must hand over the original controlling rights “shouyinâ€, which is equivalent to sharing their own operating results in recent years with the banks almost free of charge. This point is difficult to be accepted by the original shareholders, it is also destined to the tortuous path of the formalization of private financial institutions. “We cannot be transformed into a rural bank because the rural bank regulations must be controlled by regular banks. We have to work hard to get others to pick the fruits. This is obviously unreasonable, and precisely because of this, the small amount of companies are currently in a comparison. In an embarrassing situation, it is not a financial industry, but it is doing a lending business,†said the person in charge of the relevant microfinance company, but they also believe that with the government’s attention, the future microfinance companies will still have a chance to compete in the financial sector. Have a place.
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