The Ministry of Industry and Information Technology will carry out special actions to help small and micro enterprises

This year, the Ministry of Industry and Information Technology will carry out the “Special Action for Small and Micro Enterprises”, focusing on supporting the development of innovative, entrepreneurial and labor-intensive enterprises, and striving to solve the current situation of difficulties in recruiting and financing difficulties faced by SMEs as soon as possible.

Xu Kemin, deputy director of the SMEs Department of the Ministry of Industry and Information Technology, made the above remarks in an interview with the "China Voice" program of the Central People's Broadcasting Station.

Xu Kemin said that at present, financing difficulties are a prominent problem for small and micro enterprises. First of all, the financing method of small and micro enterprises is relatively simple, mainly relying on credit. The demand for credit is far greater than the growth of credit. Secondly, small and micro enterprises often lack collateral, so the bank's loan operating costs for small and micro enterprises are relatively high, and at the same time The loan rate is also higher than that of large enterprises, which also affects the bank's enthusiasm for small and micro enterprises.

Xu Kemin said that this year we should speed up the construction of the SME service system, promote the construction of the SME public service platform system, promote interconnection, resource sharing and service synergy, improve financing services, increase credit support, and broaden the financing of small and micro enterprises. Channels, the docking activities for financing.

On the issue of financing difficulties for small and micro enterprises, on December 29, 2012, Zhu Hongren, chief engineer of the Ministry of Industry and Information Technology, also made an analysis when attending the Financial and Economic Strategy Annual Meeting of the Chinese Academy of Social Sciences. He said that the current effective relief of financing for small and micro enterprises is still difficult. There are quite a few gaps. The main crux may be that there is a large gap and misplacement between the supply of financial funds led by large and medium-sized enterprises and the demand of small and micro enterprises. At the same time, it should not be overlooked. As a part of the financial ecology, small and micro enterprises need to improve their own quality and capabilities.

He pointed out that in general, the smaller the enterprise and the lighter the assets, the more difficult it is to raise the financing. “There are some companies that fail to meet the basic thresholds required for financing, and some that stop at financing.”

At present, small and micro enterprises have occupied a large proportion of the total number of Chinese enterprises, but they are far-fetched and worried. They are far from having access problems such as difficult access and unsound credit system. Recently, there are increasing costs, fewer orders, difficulty in recruiting, and burden. Re-emphasize the problem. Among them, the problem of financing difficulties has always been mentioned repeatedly, but it can often be difficult to solve in reality.

Zhu Hongren suggested to promote institutional innovation, improve incentives and safeguards for financial resources investment, improve the endogenous motivation of financial institutions and small and micro enterprises; promote variety innovation, build a diversified direct financing system for small and micro enterprises; promote model innovation, and decentralize Risk, give full play to the credit reporting role of guarantee re-guarantee institutions in small and micro enterprise financing.

People close to the Bank of China had previously told Caixin reporters that in 2013, Bank of China intended to shift the focus of credit to “small and medium-sized”. He revealed that the Bank of China's credit policy this year is still under study, and the "small and medium-sized micro" is the basic idea.

Some analysts said that small and micro enterprise loans are a world-class problem. Under the condition that the basic data is relatively weak and the risk control is difficult, the small and micro enterprise loans will be vigorously developed. Once they encounter large economic fluctuations, they will face risks and losses. Hard to bear. In the current economic situation, vigorously developing "small and medium-sized micro" is a long-term and major strategic choice for large state-owned banks, and there has been much controversy. In the third quarter of last year, the default rate of small and micro enterprise loans of a large leading bank in the industry had a large increase. Afterwards, the bank changed its efforts to increase the collection and loan management to temporarily tide over the difficulties.

In the "2012 China Industrial Economic Operation Report" released on December 28, 2012, the Ministry of Industry and Information Technology said that efforts should be made to optimize the development environment of SMEs and enhance the vitality and endogenous motivation of SME development. We will relax the entry threshold for financial enterprises, and implement private capital to establish policies for village banks and joint-stock financial institutions. Encourage the development of direct financing markets, expand multi-channel financing, and create a good environment for the development of the real economy and SMEs.

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