The annual loan amount of banks is limited, and there are the following situations when there is no loan to release: ① Local governments require banks to lend to them for basic industry construction or affiliated enterprises, which leads to the exhaustion of the loan amount. (2) lending too much at the beginning of the year, and stopping lending at the end of the year in order not to affect the performance judgment of the second year.
2. environmental problems: in areas with less developed financial environment, it is also difficult for enterprises that do not have the national prefix or hard credit to successfully raise funds.
It's easy for state-owned enterprises, central enterprises or very mature industries to borrow money from banks, and even interest rates fall; Small and micro enterprises and even medium-sized enterprises take loans from banks, and the highest interest rate rises, but also depends on the bank's face. Sometimes it is common that they can't get the money after two or three months.
3. Scale: Due to the problems of manpower and operating costs, the financing of 1 million or even less than 5 million may consume the same manpower and material resources for the bank, but the income is limited. Everyone has to live, so weighing the pros and cons will naturally make a choice.
Would 1 yuan like to do the project of 2, yuan or the project of 1 yuan if the same artificial flowers are given?
4. Cost: If some hidden costs are added to the benchmark interest rate, the overall financing cost of bank loans will never be as low as expected.
The hidden costs include: if an enterprise wants to protect its lenders, risk control specialists, business executives and bank presidents, the public relations cost is not low, or it must find an intermediary or guarantee company; In addition, after the successful loan, it is necessary to pay the risk withdrawal for the guarantee company, and it is likely to put some money to buy the bank's wealth management products and help the bank complete the deposit task.