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Solve the financing problem
After encountering financing difficulties, many small and medium-sized enterprises raised funds with interest higher than bank deposits. Later, due to the break of the capital chain, they were unable to pay interest, so 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 Zhengzhou Central Sub-branch of the People's Bank of China.
"To solve these problems, first of all, the government and financial institutions should integrate SMEs into key service targets and create a good environment for the sustainable development of SMEs." The person in charge said that they should make full use of the series of national regulations to support the development of SMEs. Policy measures, actively help SMEs to interpret and implement relevant policies and measures, support enterprises to use, use and use policies; further study and formulate feasible measures to support SMEs, improve and improve the laws and policies that support the development of SMEs, Effectively standardize administrative behavior, simplify procedures and work procedures, provide convenient and effective services for SMEs 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 the cultivation of heavy credit, in the face of the general lack of pledges and collaterals in SMEs, how to effectively convert corporate credit into financing is one of the keys to alleviating the financing difficulties and financing problems of SMEs. Government and financial regulatory authorities want With the efforts to strengthen credit construction and enhance corporate credit grades, financial institutions should actively provide counseling and credit enhancement services for SME financing, and continuously innovate financing models, service methods, credit products and pledge methods to meet eligible SME loans. Demand; financial institutions should design the loan review process and pricing mechanism according to the characteristics of SMEs, optimize credit business processes, simplify credit procedures, and improve the level of financial services for SMEs.
"Secondly, we must accelerate the innovation of financial services and strive to improve the level of credit services for SMEs." 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-market according to their own conditions and characteristics. Positioning, according to the actuality of SME loan business, establish a credit rating system that conforms to the characteristics of SME loans and a scientific and flexible credit management system, and at the same time work to reduce the financing costs of SMEs; on the other hand, it is necessary to increase the innovation of financial products and develop compliance. Financial products characterized by the needs of SMEs, and broaden the financing channels for SMEs. "
In addition, the guarantee mechanism must be improved. The government should supervise and urge relevant departments to set up a sound SME loan guarantee fund and guarantee institution as soon as possible in accordance with the principle of 'government guidance, policy support, diversified investment, and market-oriented operation', and improve the corporate governance mechanism of guarantee institutions. Improve the guarantee capacity and guarantee ratio. The person in charge said that it is necessary to strengthen the mutually beneficial cooperation between financial institutions and guarantee institutions, and encourage financial institutions to reasonably amplify the guarantee multiples according to the credit rating of the guarantee institutions and the operating conditions and development prospects of the loan companies, increase credit funds, and support small and medium-sized enterprises. Develop and grow.
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