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中小企业融资难已经是一种常识,道理很简单,其偿债能力无法让人信服。 银行门槛高似乎也是一种常识,因为银行是靠信用吃饭的行当,它的钱多数也是“借”来的,往外放货必须一百个小心。 从两个常识可以很轻易地推导出的结论是:银行通常与中小企业无关。 但问题并非这么简单,事实上,由于市场竞争、自身定位等因素,一些银行机构正在努力塑造自己在中小企业客户群中的亲和形象,也切实地开通了针对中小企业融资的“小”门。 今年第五届科博会北京市商业银行推出了300亿元的中小企业授信资金是一个令人鼓舞的信号,种种迹象表明,各地的商业银行已经铁了心要把中小企业作为自己的衣食父母,期待着与之共成长,只要确认是好苗子,这些银行肯定会愿意去扶植出一个“小巨人”。当然,视情况不同,这种扶植可能是亲力亲为的直接货款,也可能是“投保货”、“货保贴”等五花八门的谨慎融资策略。 身躯庞大的工商银行更是颇值一提,工行广东省分行于6月初率先在国内推出中小企业“鸿业成长货款”,短短一个月时间里该行已向全省数百家企业发放了此项货款5亿多元。 除商行和工作之处,中国民生银行也一直在标榜自己服务中小企业的理念,想必不会只停留在理念上,后面应该会逐渐推出一些实实在在的举措。 世界银行本身就是一个扶危济
SME financing is already a common sense, the reason is very simple, its solvency can not be convincing. It seems that the threshold of banks is also a common sense, because the bank is to rely on credit to do business, and most of its money is also “borrowed”, the outward release of one hundred must be careful. From two common sense it can easily be concluded that: banks are generally not related to SMEs. However, the problem is not so simple. In fact, due to market competition and self-positioning, some banking institutions are trying their best to create a friendly image among the SME customer base. They have also earnestly opened the “small door” for SME financing . This year, the 5th CBOT Beijing Commercial Bank launched a 30 billion yuan SME credit is an encouraging signal, there are indications that the commercial banks around the iron heart to SMEs as their own food and clothing parents , Looking forward to grow with them, as long as the confirmation is good seedlings, these banks will certainly be willing to foster a “little giant.” Of course, depending on the situation, this kind of support may be a direct payment by hand, or it may be a diversified cautious financing strategy such as “insurance policy” and “insurance bond”. The huge commercial bank is rather worth mentioning that ICBC Guangdong Branch took the lead in launching SME “Hongye Growth Payment” in early June. In just one month, the bank has issued hundreds of enterprises in the province The payment of more than 500 million yuan. In addition to business and work place, China Minsheng Bank has also been advertised its own concept of serving small and medium enterprises, presumably not just stay in the idea behind the introduction of some real measures should be gradually introduced. The World Bank itself is a help-crisis