At present, small and medium-sized enterprises have become the most active force in economic life. For all countries in the world, they play an important role in economic activities, and their functions and functions are increasingly recognized by all countries. It is of great significance to maintain the stability, health and sustainable development of a country's economy and vigorously develop small and medium-sized enterprises. Since the reform and opening up, China's small and medium-sized enterprises have also made great progress. It is becoming more and more important in promoting economic growth, expanding employment, promoting technological progress and creating social wealth. Therefore, people pay more and more attention to the development of small and medium-sized enterprises. In China, the financing difficulty of small and medium-sized enterprises has become the bottleneck of their development. Foreign theory and practice have proved that the debt financing method that SMEs have a comparative advantage is bank loan. However, in China, there is a serious shortage of support for small and medium-sized enterprises, and it is difficult to obtain bank loans. Small and medium-sized enterprises account for 99% of the total number of enterprises, creating 74% of industrial added value and 63% of GDP, but accounting for less than 20% of financial resources. Through the benefit analysis of capital utilization of small and medium-sized enterprises in China, it is proved that the contribution of fixed assets to net profit is greater than that of current assets, and the utilization efficiency of bank loans by small and medium-sized enterprises is also improving. However, fixed assets loans are getting less and less, and the term of working capital loans tends to be shortened. The proportion of bank loans in the financing structure of small and medium-sized enterprises continues to decline, which seriously hinders the development of small and medium-sized enterprises. ..............................
Second, how to evaluate the importance of bank loans to SMEs?
Small and medium-sized enterprises play an irreplaceable role in expanding employment and promoting economic growth, and supporting the development of small and medium-sized enterprises has overall and strategic significance.
First, we must conscientiously implement and improve the differentiated financial supervision policies for small and micro enterprise loans. Carry out special assessment of loans to small enterprises that meet relevant conditions to improve the tolerance of non-performing loan ratio of small enterprises.
Second, we must clearly focus on small and micro enterprises and support financial institutions that provide services for small and micro enterprises. It is necessary to urge all kinds of banks to effectively implement the national credit policy to support the development of small and medium-sized enterprises, especially small and micro enterprises. Improve the incentive and restraint mechanism, encourage various financial institutions to improve their financial services to small and micro enterprises, and strengthen the social responsibility of banks, especially large and medium-sized banks. In accordance with the new enterprise classification standards, we will clarify the loan ratio and growth rate requirements of small and micro enterprises in banks, strengthen statistics and end-user monitoring, and ensure that policies are in place. Clean up unreasonable bank charges and margin deposit requirements, investigate and deal with violations, and effectively reduce the cost of corporate credit funds.
The third is to increase fiscal and taxation policy support for small and micro enterprises, extend the period of relevant preferential tax policies, and study and further increase preferential policies.
Fourth, we must effectively guard against financial risks. Financial support for small and medium-sized enterprises should follow the market principle, reduce administrative intervention and reduce market risk and moral hazard. It is necessary to strengthen the supervision of private lending, guide its sunny and standardized development, and play its positive role. Vigorously rectify the financial order, take effective measures to curb the trend of globalization, crack down on illegal fund-raising according to law, properly handle inter-enterprise guarantees, corporate capital chain breaks and other issues, and strive to find and deal with them as soon as possible to prevent the spread of risks and prevent regional risks. Properly handle the risk events that have occurred, protect the legitimate rights and interests of the people, and enhance market confidence.
Third, how to evaluate the importance of bank loans to SMEs?
At present, small and medium-sized enterprises have become the most active force in economic life. For all countries in the world, they play an important role in economic activities, and their functions and functions are increasingly recognized by all countries. It is of great significance to maintain the stability, health and sustainable development of a country's economy and vigorously develop small and medium-sized enterprises. Since the reform and opening up, China's small and medium-sized enterprises have also made great progress. It is becoming more and more important in promoting economic growth, expanding employment, promoting technological progress and creating social wealth. Therefore, people pay more and more attention to the development of small and medium-sized enterprises. In China, the financing difficulty of small and medium-sized enterprises has become the bottleneck of their development. Foreign theory and practice have proved that the debt financing method that SMEs have a comparative advantage is bank loan. However, in China, there is a serious shortage of support for small and medium-sized enterprises, and it is difficult to obtain bank loans. Small and medium-sized enterprises account for 99% of the total number of enterprises, creating 74% of industrial added value and 63% of GDP, but accounting for less than 20% of financial resources. Through the benefit analysis of capital utilization of small and medium-sized enterprises in China, it is proved that the contribution of fixed assets to net profit is greater than that of current assets, and the utilization efficiency of bank loans by small and medium-sized enterprises is also improving. However, fixed assets loans are getting less and less, and the term of working capital loans tends to be shortened. The proportion of bank loans in the financing structure of small and medium-sized enterprises continues to decline, which seriously hinders the development of small and medium-sized enterprises. ..............................
4. How to evaluate the importance of bank loans to SMEs?
Small and medium-sized enterprise loans account for a small proportion of bank loans, and banks should make more large loans. If it is a small loan, it is generally handled through a loan company or a company that cooperates with a bank, such as Sanjiu Jin Fu. Maybe 7-3 points.