久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

chinadaily.com.cn
left corner left corner
China Daily Website

SMEs hungry for long-term loans

Updated: 2013-04-07 09:54
By Zheng Yangpeng in Boao, Hainan ( China Daily)

SMEs hungry for long-term loans

Zhang Xuyang, general manager of the retail department of China Everbright Bank, is interviewed about the "Report on Small and Micro Business Financing Development". [Huang Yiming / China Daily]

China's small and micro enterprises are still struggling with lackluster business, and most badly need long-term rather than short-term loans, said a report based on a survey released on Saturday at the Boao Forum for Asia.

Of the 1,000 small and micro enterprises surveyed across China, 56.7 percent said their order numbers declined or stayed flat last year compared with 2011, and 57.7 percent said profit dropped or kept flat in 2012. In addition, 49.9 percent complained about an unstable workforce.

One-third of SMEs need medium- and long-term loans to upgrade their equipment or invest in new products, the survey found, yet 63.3 percent of loans they got were short-term, less than a year.

"This stands in conflict with the fact that driven by fiercer competition, 39.3 percent of SMEs have considered improving their product quality, 43.9 percent of SMEs have considered extending their product chain and 27.7 percent have considered upgrading their technology," said Ba Shusong, a banking expert with the Development Research Center under the State Council, who led the research.

A revelation of the report is that though 66.7 percent of SMEs regard bank loans as a primary financing measure, 62.1 percent of them do not now have them.

Yao Wang, executive president of the Research Institute of the Boao Forum for Asia, said SMEs have little expectation of getting bank loans.

"The survey showed most SMEs don't have bank loans. They don't expect to get a loan from big banks. This is pathetic," Yao said.

In consequence, SMEs sought financing from family members and friends - 24.3 percent of micro enterprises and 7.5 percent of small enterprises. They are much less aware of the multiple new financing methods: 38.8 percent of SMEs, for example, do not know about intangible assets mortgages.

Though the official bank loan interest rate is lower than that of the small-sum loan companies, 31.8 percent of SMEs considered bank loans as the most expensive means of financing, compared with 27.1 percent for small-sum loan companies.

This is because many banks attach several preconditions to SME loans, requiring for example that they first deposit a certain amount of money in the bank before they can get a loan, thus pushing up the gray cost of loans, according to Ba.

Other bank loan difficulties reported by SMEs compound the problems, such as long waits for the loans to arrive (45.8 percent), or the inability to provide sufficient collateral or security (41.1 percent).

To address these issues, the report called for innovation in bank financing and collateral requirements, and the development of new financing methods. The survey found that 62 percent of SME bosses have never used private banks or VIP wealth management services, which suggests there is huge potential for banks to tap in these areas.

"Traditionally, loan and wealth management service are run separately within banks. If they merged the two, enormous opportunities would be found," Ba said.

He also suggested "industrial chain financing", in which SMEs could get loans from their up- or downstream connections, who have sufficient knowledge of their financial and credit conditions.

Small-sum loan companies and loans offered by business to customer websites were also recommended.

Despite the difficulties, Ba said he saw encouraging signs of banks offering financial services to SMEs

"Three or five years ago, SME financing was just talk among bankers. Now more and more bankers told me privately that driven by narrower interest spread and fiercer competition, SME financing is changing from a talk to concrete action," said Ba.

zhengyangpeng@chinadaily.com.cn

Don't miss

Private firms lead China's investment overseas

Xisha Islands to open to tourism before May

Chinese, Kazakh presidents hold talks over ties

BOAO sub-forum debates China's innovation

BFA holds General Members Meeting

Video: Brunei celebrates sultan's 66th birthday

 
 
...
久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

    欧洲一区在线电影| 欧美大片在线观看一区二区| 天天综合色天天综合色h| 欧美一区二区在线看| 激情久久五月天| 国产精品毛片a∨一区二区三区| 99久久国产免费看| 午夜a成v人精品| 亚洲精品一区在线观看| 成人国产亚洲欧美成人综合网| 亚洲精品乱码久久久久| 欧美丰满少妇xxxbbb| 伦理电影国产精品| 国产精品久久久久久久第一福利| 在线观看亚洲一区| 九九在线精品视频| 成人免费小视频| 欧美一级理论性理论a| 成人中文字幕在线| 亚洲第一成年网| 久久久久久久久99精品| 色悠久久久久综合欧美99| 日本成人在线电影网| 国产女主播在线一区二区| 欧美三级资源在线| 国产在线一区观看| 一区二区三区精品久久久| 精品国产欧美一区二区| 91视视频在线观看入口直接观看www | 成人性生交大片免费看中文网站 | 亚洲精品久久嫩草网站秘色| 日韩精品一区二区三区在线播放| 成人美女在线观看| 日韩国产欧美在线播放| 国产精品免费久久| 欧美一区二区三区播放老司机| 成人黄色电影在线| 美日韩一区二区三区| 亚洲欧美视频在线观看| 精品久久久久久综合日本欧美 | 亚洲精品一区二区精华| 色爱区综合激月婷婷| 国产乱码精品一品二品| 日韩精品视频网| 亚洲男人天堂一区| 国产日韩欧美高清在线| 91精品在线一区二区| 色综合天天综合给合国产| 国产真实乱子伦精品视频| 天堂成人国产精品一区| 自拍偷自拍亚洲精品播放| 精品国产乱码久久久久久闺蜜| 欧美日韩综合在线免费观看| av亚洲精华国产精华精| 国产麻豆精品在线观看| 日产欧产美韩系列久久99| 亚洲免费在线视频| 国产三级精品在线| 日韩欧美高清一区| 欧美日韩一区二区三区四区五区| 97成人超碰视| 高清不卡一二三区| 国产一区二三区| 青青国产91久久久久久| 亚洲bt欧美bt精品777| 亚洲欧美另类图片小说| 亚洲国产精品精华液2区45| 欧美大片在线观看一区二区| 91精品国产色综合久久不卡电影 | 91性感美女视频| 成人免费电影视频| 国产精品一级在线| 精品系列免费在线观看| 青青草国产精品97视觉盛宴| 亚洲成av人影院在线观看网| 亚洲男人的天堂网| 自拍偷拍欧美精品| 国产精品视频一二三| 国产欧美精品国产国产专区| 久久品道一品道久久精品| 精品理论电影在线观看| 欧美一级高清片| 宅男噜噜噜66一区二区66| 欧美日韩中字一区| 欧美日韩一区国产| 欧美日韩亚洲国产综合| 欧美日韩一区二区在线视频| 欧美视频一区在线| 欧美午夜精品理论片a级按摩| 91黄色激情网站| 欧美在线观看禁18| 欧美中文字幕亚洲一区二区va在线| 一本色道a无线码一区v| 91亚洲国产成人精品一区二三| 91亚洲精华国产精华精华液| 91污片在线观看| 色婷婷综合久久久中文字幕| 91麻豆国产福利在线观看| 色诱亚洲精品久久久久久| 日本道精品一区二区三区| 日本韩国欧美三级| 欧美在线视频日韩| 欧美日韩一区二区不卡| 欧美日韩精品二区第二页| 欧美日韩成人在线| 91精品国产综合久久久久久久久久 | 欧美羞羞免费网站| 欧美日韩一区久久| 555夜色666亚洲国产免| 日韩欧美精品三级| 精品国产1区二区| 国产亚洲精品久| 中文字幕av免费专区久久| 国产精品国产三级国产普通话99 | 2019国产精品| 国产女同性恋一区二区| 中文字幕亚洲一区二区av在线 | 中文字幕精品—区二区四季| 一区二区中文视频| 一区二区三区美女| 日韩二区在线观看| 久久99国产精品久久| 国产精品一卡二| 91在线观看污| 欧美日韩一级片在线观看| 日韩色在线观看| 国产日韩精品一区二区三区在线| 国产精品超碰97尤物18| 亚洲国产毛片aaaaa无费看| 日韩av一区二区在线影视| 经典三级一区二区| av一区二区三区四区| 欧美视频在线播放| 欧美r级在线观看| 国产精品网站在线观看| 亚洲精品久久久久久国产精华液| 五月天久久比比资源色| 国内成人自拍视频| 波多野结衣在线aⅴ中文字幕不卡 波多野结衣在线一区 | 国产精品自拍三区| 91毛片在线观看| 欧美久久高跟鞋激| 国产视频一区二区在线观看| 亚洲精品国产视频| 蜜桃久久av一区| 成人av在线观| 欧美浪妇xxxx高跟鞋交| 久久精品视频在线免费观看| 亚洲欧美激情小说另类| 天天影视网天天综合色在线播放 | 69久久99精品久久久久婷婷| 国产亚洲一区二区在线观看| 一区二区三区在线影院| 韩国欧美国产1区| 色哟哟在线观看一区二区三区| 日韩欧美三级在线| 亚洲色图自拍偷拍美腿丝袜制服诱惑麻豆 | 国产乱子轮精品视频| 91国产免费看| 久久五月婷婷丁香社区| 亚洲与欧洲av电影| 国产精品一区二区黑丝| 欧美日韩亚洲综合一区二区三区| 国产天堂亚洲国产碰碰| 丝袜亚洲另类欧美| 成人国产一区二区三区精品| 制服丝袜中文字幕一区| 国产精品久久久久三级| 男人的j进女人的j一区| 91伊人久久大香线蕉| 精品国产网站在线观看| 亚洲国产日韩a在线播放性色| 国产传媒日韩欧美成人| 欧美精品自拍偷拍| 中文字幕一区二区三区精华液| 麻豆精品蜜桃视频网站| 91搞黄在线观看| 国产精品网站在线| 蜜桃视频在线观看一区| 在线观看视频一区二区欧美日韩| 国产午夜亚洲精品不卡| 日韩在线播放一区二区| 91日韩一区二区三区| 久久久激情视频| 日韩电影一区二区三区| 91黄色在线观看| 国产精品伦理在线| 激情都市一区二区| 9191成人精品久久| 亚洲影院久久精品| 99视频精品全部免费在线| 久久亚洲免费视频| 日韩激情视频网站| 在线精品视频免费观看| 国产三区在线成人av| 激情图区综合网| 日韩视频免费直播| 日韩精品乱码av一区二区| 欧美在线影院一区二区| 综合在线观看色|