Financing Is Hard To Get Under The Tree.

Mr. Huang, a manager of small and medium enterprises from Anhui, told reporters that his company is mainly engaged in photovoltaic power generation business, which is very attractive to many developing countries such as India, Bangladesh and some Middle East countries, because the local infrastructure is relatively underdeveloped, and the demand for electricity for public life and industrial production is very large.

With more and more Chinese enterprises going to sea and the construction of "one belt and one road" construction, enterprises also get more opportunities. "We are going to visit our customers in India next month. It is possible to sign a large order of US $two hundred million." Huang manager excitedly said.

He admitted to reporters that for small and medium photovoltaic enterprises, the demand for financing is very high, but the actual operation of the difficulty is not small. "Although there are many policy banks and state-owned banks, they tend to lean towards financing needs from large enterprises. In fact, the operation of many large state-owned enterprises is general, but it is easier to get a large number of loans, but these high-quality resources have been released by banks. "The factories that our enterprises set up in Anhui have only two or three hundred people, but their benefits are very good. Nevertheless, it is still very difficult for us to borrow money from banks. As long as the economic environment is not good enough, banks will cut off our loans. Huang said, "we hope that the state-owned banks can reduce their status, not only give loans to large enterprises, but also give us some funds to our small and medium-sized enterprises."

Huang told reporters that they were working with a local state owned enterprise engaged in import and export business. The state-owned enterprise had sufficient capital, but the enterprise itself did not have many projects. The bank provides a lot of credit for them, and they give part of them to small and medium-sized enterprises to help them make financial support. "A lot of small and medium-sized enterprises have to rely on some big state-owned enterprises to raise money. Large state-owned enterprises occupy most of the financing channels." Huang said, this makes the survival of small and medium enterprises more and more difficult. "For example, if we go to a bank loan, the bank asks us to mortgage the plant and the land. Now the factory is not worth the money, the machinery and equipment are not valuable, only the land is valuable, but the production of the project needs a certain time period, if it is on hand. project More, land is not enough to mortgage, and financing difficulty has become a big bottleneck for us now. "

about Streamlining government and delegating authorities Huang said that the fees were not enough, but the usual practices and hidden rules still remained. They cost a lot to the enterprises and make them more difficult to operate. "These disadvantages are not the most difficult for enterprises. The hardest part is still the high cost of financing, which is close to the profits of our small and medium-sized enterprises." Huang said.

At the same time, because of the lack of funds and the inability to support high-tech scientific and technological talents, talents are attracted to large enterprises and large scientific research projects, coupled with rising labor costs. Small and medium-sized enterprises It is hard to imagine survival.

"It takes a while to negotiate a 20 million order. At the beginning of the talks, the exchange rate of RMB against the US dollar was 6.2. When the project was completed in half a year or a year, the exchange rate became 6.15, and the direct 5% profit would be gone. Luo Yang, the head of a solar energy enterprise in Ningbo, told reporters that the impact of exchange rate on SMEs is very large.

Luo believes that the renminbi is now increasing, while the currencies such as the euro and the yen are depreciating. "For foreign trade enterprises, the appreciation of the renminbi has consumed too much profit margins. The renminbi is too expensive! "We never thought that the euro would fall so that many European orders would not be done directly. Of course, European customers will also say that foreign trade enterprises should take these exchange rate risks. If you do not do other businesses, they will also do so, but the affordability of SMEs is limited. If the depreciation of the euro exceeds the profit margins of enterprises, the enterprises will choose to default. Although there is no penalty, the direct impact is that customers will think that Chinese enterprises are not trustworthy. The survival of our small and medium-sized enterprises is really very difficult. Luo told reporters directly.