Zhejiang mutual insurance crisis continues to spread, and banks are widely criticized. "When the economic situation is good, banks ask for loans from enterprises. When the economy is not good, banks play the role of hitting people when they are down."
Many Zhejiang enterprises will say this when talking about banks. Now the real economy of enterprises, especially private enterprises, is struggling under the current economic downturn. However, it has become the concerted action of all banks to borrow money and be reluctant to lend.
On August 30th, the All-China Federation of Industry and Commerce held a press conference of Top 500 Private Enterprises in Beijing. The results show that the total net profit of 20 1 1 top 500 private enterprises is 4387.3 1 billion yuan, which is less than 65% of the total net profit of ICBC, CCB, BOC, ABC and Bank of Communications.
Borrowing is even worse.
Schematic diagram of mutual insurance and joint guarantee of enterprises involved in Zhuji
The withdrawal of foreign banks has dealt a great blow to local enterprises.
A person familiar with Zhuji told the reporter of China Business News that after Daheng Holding Group received 60 million yuan from the government, the bank clearly promised to continue lending after repaying the loan, and as a result, the bank reneged. "The bank took the life-saving money, but the enterprise went bankrupt."
A bank executive in Zhuji blamed the responsibility on foreign banks. He metaphorically said that foreign banks are like vines clinging to big trees. They regard the local bank as an information officer and others borrow money from them. Once there are signs of trouble, they immediately take out loans and hesitate to lend.
After the mutual insurance crisis, foreign banks also embarked on the above road. According to reports, the annual loan scale of local enterprises in Zhuji is about 654.38 billion yuan, and the share of foreign banks accounts for one third. "The withdrawal of foreign banks has dealt a great blow to local enterprises."
This kind of loan lending can be seen everywhere in Zhejiang, especially in Wenzhou, Hangzhou Xiaoshan, Zhuji and other places. Kang Sheng furniture, as a leading enterprise in Hangzhou office furniture industry, suffered a subprime mortgage crisis.
At the end of last year, Zhejiang Tianyu Construction Co., Ltd. was seized by the industrial and commercial departments for allegedly raising funds illegally, and more than 30 enterprises were implicated in obtaining loans from banks. At the beginning of March this year, the "fire" of Chiayi Group was introduced to Kang Sheng Furniture. After returning the 30 million yuan owed to Bank of Beijing, the loan will not be renewed. At the beginning of April, the two banks successively collected loans.
It is understood that the company's sales last year exceeded 654.38 billion yuan, and the company is in good operating condition. "In fact, the company's current market expansion is very good. The office furniture project order of a provincial library is more than 20 million yuan;
Ikea gave us a one-year order, which also exceeded 200 million. After being loaned, it pays more than 6 million yuan a month, pays more than 4 million yuan in taxes, and pays more than 4 million yuan in bank interest. "The person in charge of the company said.
According to insiders, banks often do whatever it takes at this time. For example, a loan that repays 50 million yuan on schedule may only be 5 million yuan; For example, banks will forcibly withdraw the liquidity of enterprises in advance; For example, banks will not continue to lend if they recover their loans on time.
"For example, a company has an annual sales of 300 million and a loan of 50 million. The sales of 300 million yuan are accumulated over time. If the bank suddenly refuses to lend, the company will be in trouble immediately. " The above-mentioned Zhuji Bank executives said.
Extended data:
"Banks are lending every day. We call it dismemberment. You also withdraw money, and I also withdraw money. In this way, which company can stand it. " Today, Li, member of Zhejiang CPPCC and chairman and president of Wenzhou Kaiyuan Group Co., Ltd., has repeatedly expressed his dissatisfaction with the bank.
This afternoon, at the first session of the 11th Zhejiang Provincial Political Consultative Conference, the Democratic National Construction Association and the Federation of Industry and Commerce jointly organized a seminar. Three Wenzhou private enterprise bosses all talked about bank loans.
Wang Zhentao, member of Zhejiang CPPCC, vice chairman of Provincial Federation of Industry and Commerce and chairman of Aokang Group Co., Ltd., spoke first. He is one of the leading figures among Wenzhou private enterprise bosses.
"Now, Wenzhou entrepreneurs are suffering because banks want to attract capital." Wang Zhentao said that Wenzhou's real economy still has a lot of room for development, contributing nearly 20 billion yuan in profits to banks every year. Don't be so nervous at the bank.
Wang Zhentao said that the cold climate in Wenzhou is mainly due to the economic downturn of private enterprises. "I hope to improve the timeliness of the implementation rules for financial reform. The province should introduce supporting policies as soon as possible to implement the gold reform. It is recommended that the province come forward to coordinate, especially requiring financial institutions such as banks to relax their financing policies for SMEs. "
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