Haikou and shortage of funds into enterprise before August guarantee financing 8.4 billion yuan
September 3rd, 2010 | news | Comments Off
On August 31st afternoon, haikou high-tech development zone, city federation of trade unions, municipal association – 6 departments cracked sme financing “forum. From the conference said that zhuhai 80% medium and small enterprises funds shortage. The forum, haikou into guarantee company with haikou steel, home appliances, pharmaceutical industry, real estate guaranty contract signing relevant enterprises, enterprises financing guarantee for the 5650 yuan. ShiFang association, the chairman of the company into the haikou, guarantee WangJinCai to August, the guarantee agencies for small and medium-sized enterprises have secured financing 8.4 billion yuan.
Financing to lend
Financing is always the bottleneck of restricting the development of small and medium-sized enterprises. WangJinCai think, there are four main reasons: first is the lack of communication, haikou, in fact there are over 80% of the enterprises of different degree of shortage of funds, but most companies that are difficult to think through bank loans and financing channels, don’t understand of the examination and approval process enterprise a certain percentage. Second is the deposit. Such as hainan steel market 2009 sales has about 300 million yuan, haikou area electrical appliances sale hundreds of millions of dollars, and basic deposit account of dealers located in the 3 branch or sales, these sub-branches and sales only rarely guide enterprises deposits, loans, and access to enterprises in liquidity, by referring to loans or a pawnshop folk high fees, enterprises financing cost using high. Third, the guarantee and the mechanism of each coinsurance symmetry, imperfect service will fail to meet demand. In addition, many small and medium-sized enterprise for national, provincial and municipal preferential policies to small and medium-sized enterprises lack of understanding, let alone play subsidies and reward.
Financing can guarantee the awards
WangJinCai thinks, guarantee company into an important guarantee of financing. The guarantee of financing guarantee company, Banks, security companies, can obtain loans were loan balances 1% of awards and subsidies and discount policies, causes the enterprise to better understand policies, with good policy. In short, the frequency of small and medium-sized enterprises “, “the financing characteristics, to have a house, but house property card is dealt with in, not being able to reach Banks access conditions, but also need money to expand operations, and if the solution, can achieve good economic benefits to the enterprise, the guarantee agencies to short-term bridge liquidity (namely through bank loans to help enterprises to solve organizing financial difficulty.
According to the current haikou guarantee company more than 20 province, has nearly 100. This year the guarantee agencies for small and medium-sized enterprise guarantee financing plan, 1 million yuan to August haikou guarantee agencies in the company have occurred guarantee business for small and medium-sized enterprises, 8 financing 8.4 billion yuan. Guarantee