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 Wysłany: Czw 6:42, 20 Sty 2011 Temat postu: glätteisen ghd Northwest Strategies _895 SME finan |
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SME Financing Strategies Northwest
North of the five provinces have credit guarantee methods, and some start early, some late start, as early as 1996, Shaanxi Province, began to build on the credit guarantee institutions, to 8 have been established credit guarantee institutions, the registered capital more than 100 million yuan; Ningxia Hui Autonomous Region has set up six of these institutions and the funding of 44 million yuan. Diverse forms of organization, and some are the cause of nature, and some part of a business nature, most of funds or financial allocation of funds, a few belong to institutional investors, individual or personal credit guarantee institutions and even equity participation. For small and medium enterprises generally do not have high-tech loan conditions, taking into account the risk of loans, commercial banks usually do not want to lend to these enterprises. Credit guarantee agencies to provide guarantees for commercial banks corresponding to solve the worries, to create the conditions for its loans. (C) explore the establishment of the financing system to support the development of SMEs 1. Establish the sense of service, to serve as the legislature of the line, and explore ways to support a variety of services and appropriate reform of the current credit management system. Change ideas, to break the boundaries of ownership, in accordance with the principles of efficiency optimization arrange loans. The collection of power and reduce the primary line of authority does not mean that to prevent and resolve financial risks, strengthening management. On the contrary,[link widoczny dla zalogowanych], a good organization should be fully close to the market, flexible, timely and customer response to the nearest primary line, first-hand grasp the most adequate and should be used as the main lending business, and fully play its role and not limit it,[link widoczny dla zalogowanych], for the 2. People's Bank should increase its existing efforts to support small and medium financial institutions, through refinancing and rediscount and other means to support its expansion of funds to support development of SMEs. If further loans to invest in and use adhere to service the SME market position. Increase credit support for SMEs. Loans to small and medium financial institutions, re-use, there are still toward the narrow, high level of interest rates, short deadlines, tight limits and other defects, need to be further improved and perfected in practice. 3. By nurturing, guidance notes the market so that SMEs can take advantage of financing instruments, increasing the amount of funds available. In recent years, the development of Northwest paper market has been a breakthrough, commercial bills expanding the business, financial institutions, instruments business has developed rapidly, but compared with other regions, notes financing share is still small. First half of 2001 by area financial institutions discounted amount of financing to businesses increased by 19.7 billion yuan, 5.22% of its incremental credit, but there are varieties of a single paper market, commercial bills query mode is not tight, the system provides non-standard behind the settlement and other defects, affecting the business of commercial banks active instruments, but also restricted its credit support to SMEs. 4. Actively explore various forms of support for the development of SMEs, such as through the establishment of venture capital firms to support SME development. Venture capital is the basic function for all types of high-tech R & D and industrialization of the results provide the necessary equity capital. Most high-tech small and medium enterprises, due to the special nature of venture capital, the general investors of its risks daunting. Government support should focus on early for venture investment enterprises and give them the necessary financial support and subsidies, mainly to tax incentives, financial discount,[link widoczny dla zalogowanych], low-interest loans, credit guarantees and other indirect means. Invest primarily in high-tech industries with comparative advantages, such as new materials industry, biotechnology, modern agriculture and environmental protection industries and so on. SME Investment Fund can also be set up to run the regional capital markets, interest subsidies for SMEs to provide policy loans to the development of private small and medium financial institutions and more. (D) positioning the small and medium financial institutions accomplishing clear and prominent features to small and medium enterprises as the main target of the commercial banks. Small and medium financial institutions to fully play to its own Support for SMEs, develop and support new economic increasing point. If Lanzhou City Commercial Bank made useful in this regard attempts: 1. Mining existing customers good customers,[link widoczny dla zalogowanych], and actively provide credit support; 2. SMEs to cooperate actively with the security company, secured by a security company,[link widoczny dla zalogowanych], to 13 small business loans 19,600,000 yuan; 3. On business conditions are better, small and medium enterprises with high credit, credit for working capital trial, as of July 2001 has four SME credit 14 million yuan, the highest one is 500 million; 4. Good economic returns for individual SMEs, appropriate to relax the loan guarantees, collateral conditions. These practices has been noticed. (Author: Lanzhou Railway Institute)
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