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In the first half of 2008, 67,000 small and medium-sized enterprises in small and medium-sized enterprises have fallen into financing difficulties, facing the danger of capital chain breakage. 2008 will be the key year for the lighting industry to reshuffle in 2008. China’s small and medium-sized enterprises, including lighting companies, Both face a difficult development dilemma. Some people say that after 2008, Zhongshan’s lighting companies may fall by half. Some people say that after 2008, China’s lighting industry will undergo subversive changes.
What do you think? How do small and medium-sized lighting companies save themselves? What kind of situation will the lighting industry show? As a person in the lighting industry, what can you do?
Please post your opinion in the comments section of the article, affect the lighting industry, pay attention to the development of the industry, Aladdin Lighting Network is with you!
SME financing problems need to be solved
On August 2-3, the second APEC Business Advisory Council Asia-Pacific SME Summit held in Hangzhou blew a cold wind: many participants from the government, business and academia said that the winter of SMEs has Come! In fact, in other words, it is clear that SMEs have fallen into a financing dilemma and are facing the danger of a broken capital chain.
When Cao Yu argued in the war, he said: The meat eaters are stunned! The tallest in the temple, it is difficult to know the foresight; only those who are in the rivers and lakes can check the end of the autumn. The cold wind blown out at this summit was no longer fresh. The participants only made a beautiful package of the already existing facts and then threw them out as high arguments. This is an old thing for the small and medium-sized enterprises that are fighting in the rivers and lakes, because they are already there, and they are fighting for the survival of the enterprise.
This year, China has implemented a tight monetary policy. SMEs are generally facing difficulties in financing. It is almost impossible for them to obtain loans from banks. The person in charge of a high-tech enterprise in Zhejiang, a private lighting appliance, made an analogy. He said that in the past, we were ants on the window screen of the bank, and occasionally we could find a space to get in. Nowadays, SMEs are actually the object of pressure, just like the ants on the window glass of the bank, the prospect is bright, that is, there is no way out. The further marginalization of SMEs in bank loans is a fascinating fact.
Research data shows that the average life expectancy of SMEs is 2.5 years. In this life cycle, most companies are not trapped in the market and business, but are suffering from funds. Insufficient funds often become a bottleneck restricting the development of SMEs. When banks provide loans to enterprises, they generally evaluate them from three aspects: profit, corporate credit and collateral. These three articles have already blocked a large number of small and medium-sized enterprises.
Some researchers have pointed out that SMEs cannot obtain loans from banks. The main problem is that many companies cannot meet the guarantee conditions of banks. In Guangdong, a large economic province, the problem of financing difficulties for SMEs is also very serious. A recent survey report on the financing status of growth-oriented SMEs in Guangdong Province shows that SMEs lack financing channels and financing difficulties are still the bottleneck restricting their development. SMEs' lack of funds and financing difficulties are world-wide problems, but they are particularly prominent in Guangdong. More than 95% of SMEs in Guangdong still lack funds. This data is obviously not optimistic for the lighting industry. Because the lighting industry is a very concentrated industry for small and medium-sized enterprises, and Guangdong is the home of lighting companies, there are a large number of growing small and medium-sized lighting companies.
Undoubtedly, whether it is for other industries or small and medium-sized enterprises in the lighting industry, breaking through the financing problem has become an urgent problem to be solved.
When discussing the issue, Tang Min, deputy secretary general of the China Development Research Foundation, proposed the following solutions: First, provide medium and long-term policy support for SMEs in legislation and law enforcement. For example, to strengthen the law enforcement work of the "SME Promotion Law", the "Small and Medium Enterprises Law" was enacted to clarify the management mechanism of SMEs and the responsibilities of governments at all levels, as well as the responsibilities of all aspects of society. Second, in terms of finance, reduce the taxation of SMEs and avoid double taxation. Third, when the state implements macroeconomic regulation and control, it should respond to the network of small and medium-sized enterprises in terms of capital policies, ensure the reasonable total loans to small and medium-sized enterprises, and increase the market's financing loans for efficient small and medium-sized enterprises. The fourth is to establish a large number of small and medium-sized private financial institutions with the business as the main business and the community as the business scope. The fifth is to encourage small and medium-sized enterprises to carry out collective bond issuance and equity financing. Sixth, follow the example of Grameen Bank and establish a network joint guarantee loan method.
The problem of financing difficulties for SMEs is a long-term problem and a global problem. If we want to solve this problem comprehensively and effectively, we will succeed in one day, which depends on the joint efforts of the government and enterprises. For the moment, if SMEs want to get loans from banks, the first thing they need to do is to satisfy the bank's guarantee conditions. However, the threshold set by banks is unattainable for ordinary enterprises. Therefore, the financing problems of small and medium-sized enterprises, although urgently needed to be solved, still have a long way to go. (China Lighting Network)
Related news: The National Development and Reform Commission is studying the establishment of SME banks to solve financing difficulties
The second Guangdong SME Economic Forum came to an end in Guangzhou yesterday. The dilemma faced by SMEs in financing difficulties and rising costs has caused great concern among national regulators and business people. The topic of private lending has surfaced for the first time and the primary problem of SME development. When is the financing difficulty cracked?
The exclusive interview with the guests and the relevant person in charge of the Small and Medium Enterprise Department of the National Development and Reform Commission was informed that the National Development and Reform Commission is currently working with relevant departments to study and establish a national SME bank. In terms of taxation, it is possible to reduce the scale of SME taxation from annual tax of 300,000. Yuan increased to about 500,000 yuan to raise the income tax threshold.
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