Recently, the book "Investigation on the Financing Situation of Small Enterprises in China" compiled by the All-China Federation of Industry and Commerce has been published by the China Financial and Economic Publishing House. The book outlines the overall situation of China's financial market development, expounds the current situation of China's corporate financing difficulties in small enterprises, and proposes seven solutions to solve this problem.
The book pointed out that since the reform and opening up, China's financial system and its status have undergone tremendous changes, making great contributions to the rapid growth of the national economy. Without financial system reform and financial market development, it is impossible for enterprises to become bigger and stronger, but for a long time, small enterprise financing has not been solved. First, the number of small business customers in large banks is very small. Second, the proportion of small business loans under bank statistics is still very low.
In response to this development, the book proposes seven solutions: it is necessary to focus on small enterprises in terms of the difficulty of solving corporate financing problems. It is a major social responsibility of financial institutions to change the angles and ideas of understanding and judging problems and clearly solving the financing problems of small enterprises. Second, we must correctly evaluate the operating conditions and credit levels of small businesses. One of the fundamental reasons for the difficulty of financing small businesses is that financial institutions generally believe that the assets and management quality of small enterprises are not high, and their loans are costly, with low returns, poor credit, and high risks. Third, it is necessary to significantly increase the proportion of small and medium-sized banks' small business credits, at least to reach more than 70% of their corporate loans to meet the needs of rural economic development. Fourth, we must vigorously develop small banks, guide and release the market vitality of private capital and private financial institutions, mainly providing financial services for small enterprises and individual industrial and commercial households. Fifth, we must have practical policy support and a sound incentive mechanism. The state must establish and improve a multi-level financing system for SMEs and continuously expand the direct financing channels for SMEs. Sixth, we must vigorously develop small enterprise loan guarantee institutions and adhere to the principles of government guidance, social participation, standardized operation, and market operation. Seventh, we must promptly establish and improve the credit evaluation system for small enterprises. It is recommended that the national financial management department and the banking system should study and propose a set of bank credit evaluation standards and systems suitable for small enterprises as soon as possible.
The book also believes that the financing of SMEs in China is difficult. In essence, enterprises are not difficult. It is really difficult for small enterprises. If the problem of financing between Chinese enterprises and small enterprises is mixed, it will inevitably lead to mistakes in understanding and policy decision-making, objectively concealing the essence of China's corporate financing problems, misleading people's direction of understanding and judging problems, and affecting the science of national financial credit policies. Sexuality and pertinence have delayed the progress of China’s financial system reform.
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