How small and medium-sized enterprises can alleviate the shortage of funds
In the increasingly cold winter, the next development of small and medium-sized enterprises has become a bellwether for China's economic trends to a certain extent. In response to the recent collapse of some small and medium-sized enterprises, some people believe that there are no well-known large enterprises that have closed down now. Generally speaking, these closed enterprises have backward production capabilities. In this regard, as an influential business reference news in the corporate world, Qinmin Independent News clearly proposed to provide help to small and medium-sized enterprises in times of crisis rather than adding insult to injury. Reference news from entrepreneurs published by Qinmin Independent News pointed out that there are indeed many companies that failed to adapt to the new development situation of the market economy, but it should also be noted that among the large number of companies that fell, a considerable number were just recently These enterprises that are growing or in the startup stage are small in scale and weak in strength. Facing the difficult economic situation, they have become martyrs, but it does not mean that their production capabilities are lagging behind. On the contrary, many companies are representatives and explorers of high-tech industries. If we say that the martyrs are not advanced or backward, it will seriously inhibit the development and growth of a group of companies with potential, ideas and vision.
Adding insult to injury to small and medium-sized enterprises that are on the verge of survival is not conducive to positively affirming the contribution of small and medium-sized enterprises to employment and tax revenue, and is also not conducive to the emergence of a large number of well-known large enterprises in the future. Recently, a group of entrepreneurs, small and medium-sized enterprise owners and entrepreneurs who are members of the People-friendly Independent News Council called at the Annual Business Figure Ceremony of the People-friendly Business Academy to provide help to small and medium-sized enterprises instead of adding insult to injury. They pointed out that today's famous large companies, don't forget, are also Developed from a small business. To this end, the People-friendly Independent News Council considers and considers enterprises, and invites member enterprises to gather every half month to integrate difficult and hot issues in enterprise operation and development, and to appeal for the improvement of enterprise production and operation environment.
During the economic downturn, companies generally face capital bottlenecks. In order to help corporate council members relieve the pressure of emergency funding, the People's People's Council Corporate Winter Mutual Aid Association regularly carries out family and social activities to promote mutual communication and communication between the council member companies, enhance mutual feelings, and demonstrate mutual help, solidarity and collaboration between companies. Enhance corporate financing capabilities and development potential, and establish good financial reputation of member companies. The People's People's Council Mutual Aid Association mainly strengthens mutual financial assistance among members, achieves internal cooperation, maximizes the sharing of resources, reduces members' financing costs, prevents problems in corporate capital chains, and connects companies to achieve strong alliances, thereby effectively supplementing the potential for corporate development.
Winter is the worst time for some companies and the best time for others. In the face of the current severe challenges and tests, companies that can discern environmental changes, foresee changes in trends, and then upgrade themselves are eye-catching and admirable. Small and medium-sized enterprises should turn the serious difficulties they face into the driving force for corporate transformation and upgrading, learn to protect themselves and save themselves, stabilize the capital chain, stay together as a team, and overcome difficulties.
Four aspects to help small and medium-sized enterprises solve capital shortages
China Banking Regulatory Commission Chairman Liu Mingkang said at the 2009 China Development Forum that the impact of the global financial crisis on China's banking industry is limited and risks are controllable. , but small and medium-sized enterprises are facing a huge impact. The China Banking Regulatory Commission will help small and medium-sized enterprises solve the problem of capital shortage in four aspects.
Liu Mingkang said that the China Banking Regulatory Commission has adopted countercyclical regulatory measures since 2006, and has repeatedly warned financial institutions in China’s banking industry of risks, requiring them to take strict preventive measures during a period of rising economic growth. . Since the implementation of these measures is relatively thorough, although the domestic banking industry cannot be alone at present, it can be unique in the world and maintain stable operation.
However, Liu Mingkang also said, "China's small and medium-sized enterprises are facing a great impact during this financial crisis and have also encountered many difficulties." He said that these difficulties were caused by the crisis. The result is a combination of factors such as reduced orders from small and medium-sized enterprises, increased market risks for small and medium-sized enterprises with high-tech content, and the domestic banking industry's habit of supporting large enterprises and large projects.
In order to solve the financial problems of small and medium-sized enterprises, Liu Mingkang said that the China Banking Regulatory Commission mainly helps small and medium-sized enterprises solve their financial problems in four aspects. First, the China Banking Regulatory Commission will have heart-to-heart discussions with the chairmen, presidents and vice presidents in charge of credit of all banks to raise the banking industry’s understanding of the importance of small and medium-sized enterprises in economic development.
Second, this year, the China Banking Regulatory Commission requires all banking financial institutions, as long as conditions permit, to set up a small business financing department at the head office level, and requires that small businesses be provided with a financing guarantee from a institutional perspective. .
Third, the China Banking Regulatory Commission will invite financial institutions with experience in supporting small business loans to introduce their experiences. Banking financial institutions want to provide loans to small businesses, but sometimes they face a lack of technology and knowledge. In coastal areas such as Zhejiang and Guangdong, there are many small commercial institutions and urban commercial banks that have good experience in supporting small business loans.
Fourth, small businesses are not required to have guarantees. They mainly look at the "three qualities", namely the character of the manager, products with market share and high-quality collateral.
At the same time, Liu Mingkang also said that starting from this year, the China Banking Regulatory Commission will also try to help companies use proprietary technology, proprietary knowledge, licensed patents and copyrights as pledges to help small businesses finance.