In order to alleviate the financing difficulties, Zhejiang Province has introduced a number of measures. For example, the Opinions on Expanding the Pilot Work of Small Loan Guarantee Insurance was issued. Small and medium-sized enterprises, farmers and urban and rural entrepreneurs (including individual industrial and commercial households) that meet the industrial development orientation can apply for loans from pilot banks, with loans for small and micro enterprises not exceeding 3 million yuan and urban and rural entrepreneurs not exceeding 200,000 yuan.
Among the twelve main tasks of Wenzhou Golden Reform, many contents involve financial support for small and medium-sized enterprises, including building a platform for enterprise financing and private capital transformation, docking and guiding the effective transformation of private capital, which not only makes private capital move from "underground" to "above ground", but also solves the problem that some small and medium-sized enterprises, mainly small and micro enterprises, are difficult and expensive to raise funds under the condition of relatively controllable risks and clearly priced funds.
Extended data:
The bank thinks that there are problems in the operation of the enterprise and should recover the loan in advance. Even if the enterprise repays the loan on time, it is difficult to borrow from the bank again, and it is very likely that it will not be able to borrow or borrow much money.
This behavior of the bank is that the bank considers that there are certain risks in the loan, which may lead to the loss of the bank loan, so the bank should withdraw the loan to prevent the risk of forming non-performing loans. This is the behavior that banks are unwilling to take risks and put risk control first.
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