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

Small, micro firms hungry for long-term loans

Updated: 2013-04-07 08:33
By Zheng Yangpeng in Boao, Hainan ( 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.

Small, micro firms 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]

"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.

Contact the writer at zhengyangpeng@chinadaily.com.cn

 
...
...
...
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

    国产精品午夜在线| 国产白丝精品91爽爽久久| 91传媒视频在线播放| 一区二区三区日韩欧美精品| 欧美性色欧美a在线播放| 午夜久久福利影院| 日韩精品专区在线影院重磅| 国产精品18久久久久久久网站| 国产精品国产三级国产普通话蜜臀| 91色九色蝌蚪| 天天av天天翘天天综合网色鬼国产| 日韩三级在线观看| 国产成人在线看| 亚洲六月丁香色婷婷综合久久| 欧美日韩一区二区三区在线| 久久精品72免费观看| 亚洲国产成人私人影院tom| 91精品1区2区| 免费在线观看一区二区三区| 亚洲国产精品v| 在线观看免费视频综合| 久久99热99| 国产精品久久久99| 欧美日韩成人一区二区| 国产一区二区导航在线播放| 最近中文字幕一区二区三区| 欧美一区三区二区| 成人看片黄a免费看在线| 亚洲综合男人的天堂| 2020国产精品久久精品美国| 色综合久久99| 精品午夜久久福利影院| 亚洲视频一区在线| 日韩视频在线一区二区| youjizz久久| 日本vs亚洲vs韩国一区三区二区| 欧美高清在线一区二区| 欧美午夜一区二区三区免费大片| 老司机免费视频一区二区| 一区精品在线播放| 欧美成人一区二区三区| 色综合久久久久久久久久久| 精品影视av免费| 亚洲激情在线播放| 国产亚洲一区二区三区在线观看| 日本久久精品电影| 国产黄色91视频| 五月婷婷综合网| 欧美国产精品中文字幕| 91精品国产91久久久久久最新毛片 | 国产亚洲一区二区三区四区 | 久久精品在这里| 欧美色综合久久| 国产jizzjizz一区二区| 男女男精品视频网| 亚洲一区视频在线观看视频| 欧美激情艳妇裸体舞| 51久久夜色精品国产麻豆| 99国产精品久久久| 国产在线一区二区| 日韩中文字幕av电影| 亚洲欧美日韩一区| 国产人成亚洲第一网站在线播放 | 亚洲线精品一区二区三区| 国产精品视频一区二区三区不卡| 91精品国产色综合久久久蜜香臀| 色网站国产精品| 成人在线一区二区三区| 久久电影网站中文字幕 | 夜夜嗨av一区二区三区四季av| 国产午夜精品一区二区三区视频| 欧美一区二区三区不卡| 在线观看成人小视频| 成人av影视在线观看| 国产一区二区看久久| 青青草国产精品97视觉盛宴| 亚洲成av人片一区二区梦乃| 国产精品久久久久久久蜜臀 | 蜜桃视频一区二区三区在线观看| 亚洲永久精品国产| 亚洲品质自拍视频| 国产精品久久久久一区二区三区 | 久久亚洲一区二区三区明星换脸| 91精品欧美久久久久久动漫 | 国产视频视频一区| 欧美精品一区二区高清在线观看| 欧美一三区三区四区免费在线看| 欧美日韩一级片在线观看| 色婷婷av一区二区三区大白胸| aaa亚洲精品| 不卡的av电影在线观看| 高清beeg欧美| 国产91丝袜在线观看| 国产激情一区二区三区四区 | 国产视频一区在线播放| 精品成人在线观看| 精品国产91洋老外米糕| 精品毛片乱码1区2区3区| 日韩欧美高清一区| 日韩午夜激情电影| 日韩欧美国产综合| 欧美岛国在线观看| 精品欧美乱码久久久久久| 欧美大度的电影原声| 日韩女优av电影在线观看| 欧美成人精精品一区二区频| 精品999久久久| 久久免费国产精品 | 久久久蜜桃精品| 久久精品视频一区二区三区| 久久久久国产精品人| 国产日韩欧美精品综合| 国产精品拍天天在线| 日韩一区在线免费观看| 亚洲九九爱视频| 亚洲成av人片在线| 奇米影视在线99精品| 麻豆国产精品777777在线| 久久av资源站| 国产成人精品午夜视频免费 | 成人性视频免费网站| 99综合电影在线视频| 在线观看三级视频欧美| 欧美福利一区二区| 精品精品欲导航| 国产欧美精品一区| 亚洲人被黑人高潮完整版| 亚洲一二三级电影| 青青草97国产精品免费观看| 国产乱码精品一区二区三区五月婷| 粉嫩一区二区三区性色av| 91麻豆免费观看| 国产精品短视频| 樱花影视一区二区| 日韩精品乱码免费| 国产一区不卡视频| 91老师国产黑色丝袜在线| 欧美人与禽zozo性伦| 日韩精品最新网址| 国产精品卡一卡二卡三| 亚洲丰满少妇videoshd| 免费av成人在线| 成人丝袜高跟foot| 欧美在线你懂得| 欧美大片拔萝卜| 国产精品进线69影院| 午夜精品久久久久影视| 国产精品一区二区不卡| 色婷婷一区二区| 日韩免费看的电影| 国产精品美女久久久久高潮| 亚洲成av人片一区二区三区| 国产一区二区三区在线观看免费 | 国内精品免费**视频| www.亚洲激情.com| 宅男噜噜噜66一区二区66| 久久久国产综合精品女国产盗摄| 亚洲精品视频一区| 看片网站欧美日韩| 一本色道亚洲精品aⅴ| 91精品婷婷国产综合久久竹菊| 国产欧美中文在线| 天天色天天操综合| 成人在线综合网站| 欧美一区二视频| 1区2区3区国产精品| 青青草伊人久久| 91在线精品一区二区三区| 日韩一区二区精品葵司在线| 中文字幕一区二区三区四区不卡| 奇米精品一区二区三区在线观看| av一区二区三区| 日韩欧美区一区二| 一区二区三区蜜桃| 国产激情91久久精品导航| 欧美精品乱人伦久久久久久| 国产精品色婷婷久久58| 日本美女一区二区| 一本色道综合亚洲| 国产日韩欧美不卡在线| 日韩国产精品久久久| 91一区二区在线| 久久久午夜电影| 日韩va亚洲va欧美va久久| 99久久国产综合精品麻豆| 精品福利一区二区三区免费视频| 亚洲一线二线三线久久久| 成人免费看黄yyy456| 日韩精品一区二| 香蕉乱码成人久久天堂爱免费| 成人久久久精品乱码一区二区三区 | 国产日产亚洲精品系列| 蜜臀精品一区二区三区在线观看| 在线视频国内自拍亚洲视频| 国产精品欧美综合在线| 国产在线播放一区| 91精品欧美综合在线观看最新| 一区二区三区鲁丝不卡| 成人av免费观看| 久久久久国产精品麻豆|