subject: Former Central Bank Deputy Governor Wu Xiaoling: Four Strokes And Break The Financing Difficulties [print this page] More and more aware of the commercial banks, small and medium enterprises of the future profit growth, and thus most of the scale to the importance of SMEs.
HC printing Network National People's Congress, the former central bank deputy governor Wu Xiaoling yesterday in Guizhou interview with the media after the meeting that the solution of the problem of SMEs is more important to small businesses should solve the problem. Commercial banks are increasingly aware that SMEs are the future profit growth point, which for most small and medium enterprises above designated size given attention. But the size of loans to small enterprises is still extremely difficult. She has proposed to make full use of financial leverage to improve financial services to small businesses.
Wu Xiaoling that, in order to solve the problem of financing of these enterprises should be from the following four aspects: first, to improve the lending technology. Second, innovative form of lending organizations. Third, efforts to increase financial support. Fourth, to improve legal protection.
Improved lending technology Wu Xiaoling said the biggest feature is the small business market, it is not particularly stable, nor is it particularly healthy financial system, and therefore the most loans to these enterprises to the lenders to find the growth prospects of these enterprises. Censoring
bank when the main trial is the enterprise's balance sheet, but the growth process of small businesses, they do not mature on the balance sheet. Therefore, we must learn to operate according to state enterprises sort out its balance sheet, and to help these small businesses learn to regulate their own financial management. Wu believes that this is a very heavy labor-intensive work is to use love to do a job. "Our bankers, which should be in the blood flowing and moral factors, the community should be given more attention, for in the growth process of small enterprises should be given more care." Innovative form of lending organizations
Wu Xiaoling pointed out that the technical standards for small loans and large corporate loans are not the same, the way they are different, so it requires the talent is not the same. In a bank, even if there is a separate business unit personnel requirements is difficult in the loan approval process, pricing, accounts etc. completely get a small loan organization. Moreover, as the cost of get a better set up a separate wholly-owned subsidiary of the micro-credit independent body. This can reduce the cost of loan. The credit does not exist only the social capital investment of small loan company, which is characterized by its location.
But public opinion that these micro-loans to the company's survival is very limited. Wu Xiaoling that the existence of this view is necessary to correct errors.
The first myth is that small loan companies with their own capital to make loans and not deposits and therefore not sustainable. Wu Xiaoling said it was wrong. "Because, according to Management Approach, it is external financing, financial institutions can come to the two wholesale funds, but now hard in place? Because it is difficult for the pilot, so it is the amount of external financing can only be half of its capital. However, if the lender can put the Ordinance, then according to the original draft drawn up, in its first year, when the financing is half of its capital, the second year when it can be doubled when the third year, financing lines can reach twice the capital. "In other words, it can be like normal businesses, with 30% of the capital borrowed from banks. Its funding is guaranteed.
The second myth is that we think the risk of small loans to larger companies, so many financial institutions reluctant to give it wholesale funding. "We can imagine that, if a bank loan to a credit of 100 million enterprise fund, the enterprise if the bankrupt, or have questions, then this 100 million will lose money. But if funds to small loans 100 000 000 Loan company, small loan companies to lend money to the 100 million or even tens of thousands of thousands of small enterprises, these enterprises closed down while the probability is very small. "Wu Xiaoling that from this perspective, can not say that the financial institutions to Small loan companies lend money more than the risk of financial institutions to lend money business. Click to see more exciting
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