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Solve financing problems Corporate loans to credit tilt
Many SMEs raised funds at higher interest than bank deposits after encountering difficulties in financing. Later, due to the breakdown of the capital chain, they were unable to repay the interest, and they turned into “illegal fundraising”. How to help companies solve these problems? On December 1, the reporter interviewed the relevant person in charge of the central branch of the People's Bank of China in Zhengzhou.
"To solve these problems, first, the government and financial institutions should include SMEs as key service targets and create a sound environment for the sustainable development of SMEs." The responsible person stated that it is necessary to make full use of the series of national support for the development of SMEs. Policies and measures to actively help SMEs to interpret and implement relevant policies and measures to support enterprises in making good use of their livelihoods and policies; to further study and formulate feasible measures to implement SME support, and to improve and improve the laws and policies supporting the development of SMEs; We will effectively regulate administrative practices, simplify procedures and procedures, and provide SMEs with convenient and effective services in investment approval, financing services, fiscal and taxation policies, land acquisition, foreign trade, and market development, and strive to improve service efficiency; The transformation of credit to heavy credit fostering is generally lacking in the face of SMEsPledgeThe actual situation of the material, how to effectively transform enterprise credit into financing is one of the keys to ease the financing difficulties and financing problems of SMEs. The government and financial supervision departments must work together to strengthen credit construction and upgrade the credit level of enterprises. Financial institutions should be active. Provide services such as counseling and credit enhancement for SME financing, continuously innovate financing models, service tools, credit products and collateral methods to meet the requirementsSME loanDemand; Financial institutions should design loan approval processes and pricing mechanisms according to the characteristics of SMEs, optimize credit business processes, simplify credit processing procedures, and improve financial services to SMEs.
"Secondly, we must accelerate the innovation of financial services and strive to raise the level of credit services for small and medium-sized enterprises." The responsible person continued to explain that, on the one hand, financial institutions should actively adjust the credit structure, adapt to the requirements of the new situation, and re-enter the market according to their own conditions and characteristics. Positioning, according to SMEsloanActually, establish a credit rating system and a scientific and flexible credit management system that are consistent with the characteristics of SME loans, and at the same time work to reduce the financing costs of SMEs; on the other hand, we must increase financial product innovation and develop financial services that meet the needs of SMEs. Products, broaden financing channels for SMEs. “
In addition, the guarantee mechanism must also be improved. The government should urge relevant departments to establish a sound SME loan guarantee fund and guarantee agency as soon as possible according to the principle of “government guidance, policy support, diversified input, and market operation”, and improve the corporate governance mechanism of guarantee institutions. , improve the ability to guarantee and guarantee ratio. The person in charge said that it is necessary to strengthen the mutually beneficial cooperation between financial institutions and guarantee agencies, and encourage financial institutions to reasonably expand the guarantee ratio and increase the credit funds to support small and medium-sized enterprises according to the credit rating of the guarantee agencies and the operating conditions and development prospects of the loan companies. Develop and grow.
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