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Financial Innovation Is The Fundamental Way To Solve The Financing Problems Of Small And Medium Sized Textile Enterprises.

2012/1/14 15:42:00 26

Small and medium-sized enterprises financing difficulties have a certain universality. The financing difficulties of SMEs in the textile industry are sometimes like influenza. If the weather is bad, there will be more individuals infected.

Peking University

Country

Zhou Qiren, member of the Development Research Institute and member of the monetary policy committee of the central bank, said that it is common for SMEs to borrow money and finance, which is a frequent occurrence in the market.

However, the vast majority of enterprises in the world are small and medium-sized enterprises, and many large enterprises in the future are generated from today's small businesses.

If small businesses fail to help, the future of the national economy

increase

The potential will be eliminated ahead of schedule.

However, financing problems do not always exist.

The current macro policy environment is the incentive for SMEs to face financing difficulties.

The unique way of monetary policy adjustment in China makes SMEs vulnerable to injury.

A very important reason is that the special policy means of China's macroeconomic regulation and control are through quantification.

Administration

And the credit control of banks.

Banks only need to decide the scale, do not need to decide the price of capital, and naturally tend to meet the capital needs of large and medium-sized enterprises, instead of adjusting interest rates, better pricing risks, and meeting the needs of SMEs.

Wang Qing, managing director of the investment banking department of CICC, said that the Chinese economy is showing an obvious turning point, and the growth rate of China's economy will slow down.

Small and medium enterprises will continue to be macro.

policy

Financing will continue to be a difficult problem for the next year.

The research group of the International Finance Research Institute of Bank of China predicts that in 2011, China's GDP will grow by about 9.3%, and CPI will rise by about 5.4%. In 2012, GDP will grow by about 8.8%, and CPI will rise by 3.5%.

Cao Yuanzheng, chief economist of Bank of China, analyzed that the economic growth rate in 2012 was the lowest in the first quarter compared with the two quarter.

Present

The trend of the former is low and the latter is high.

Cao Yuanzheng believes that due to the constraints of exports and other factors, the survival of SMEs in the first, second quarter of 2012 will be even more difficult. To solve the financing difficulties of SMEs, it is necessary to create small and medium-sized financial institutions that are consistent with the development of SMEs. The core of small and medium financial institutions is to commercialize other commodities such as pledge.

He said that bank of China has been exploring the establishment of village banks and serving SMEs through financial innovation.

To the textile industry, there is also a model for financial innovation.

Not long ago, the Xiqiao town government and the Foshan Textile Industry Association jointly funded the establishment of Guangdong Nanfang financing Company Limited by Guarantee, which is a vivid example: the company signed a strategic cooperation agreement with seven banks such as Bank of China, and Xiqiao textile enterprises will make use of the government funded industry.

association

For the operation platform, to meet the financing needs.

The purpose of the company's establishment is to guarantee the development of Xiqiao's textile industry through policy guarantee.

In 2012, the financing of small and medium-sized textile enterprises is still not optimistic. A good communication mechanism between the government, industry associations and enterprises is the way to solve the problem.