How many loans have Jinzhou Bank made to small and medium-sized enterprises by the end of 221
By the end of 221, the balance of small and micro enterprise loans of Jinzhou Bank reached 251.665 billion yuan. In 221, Jinzhou Bank * * * invested a total of 85.341 billion yuan in small and micro enterprise loans, and invested a total of 2,98 small and micro enterprise customers.
how to find the latest data on the development of SMEs?
1. You can inquire through the national enterprise credit information publicity system and open the browser on the mobile phone desktop.
2. after opening the browser, enter the national enterprise credit information publicity system in the search box and search.
3. After the search results come out, click the place indicated by the arrow to enter official website.
4. After entering the official website page, take Tencent as an example and search.
5. after the search results come out, click the place indicated by the arrow to see the specific details.
6. Next, you can see the latest development of this enterprise.
Are there many small and medium-sized scientific and technological enterprise credit loans in Qujing?
Many. According to the Economic Daily, by the end of July, 222, the loan balance of small and medium-sized science and technology enterprises in Qujing was 1,488 billion yuan, an increase of 29.2 billion yuan over the beginning of the year. Small and medium-sized scientific and technological enterprises refer to small and medium-sized enterprises that rely on a certain number of scientific and technological personnel to engage in scientific and technological research and development activities, obtain independent intellectual property rights and turn them into high-tech products or services, so as to realize sustainable development.
three case studies on solving the financing difficulties of SMEs
three case studies on solving the financing difficulties of SMEs
The problem of bank loans for SMEs has always been one of the economic problems that the society is generally concerned about, and the successful financing case reveals the results of the concerted efforts and good communication between the financing parties. Let's take a look at the case studies of financing difficulties for SMEs.
Case One: Private Financing
Case Introduction:
Yu Xin is the owner of a clothing company in Huayang, Chengdu. In October 25, he merged a small local clothing factory due to business needs. What should have been gratifying did not make Yu Xin happy: the two factories were too far apart, and the sudden increase in personnel brought about various links such as production, sales and personnel. Take finance as an example. You have to make several trips to both sides every month when you get paid, and carefully check the accounts.
A set of enterprise management ERP software that Xiao Liu, the secretary, inadvertently mentioned to Yu Xin made him very excited, and Lao Wang, the office, came to see him every day and said that he wanted to add a set of servers and storage devices with high performance. So Yu Xin called and asked, a set of software plus a server costs more than 4 thousand yuan! Moreover, the engineer also said that the software may be redeveloped according to the company's situation. Finally, no 5, yuan may not come down. This time, Yu Xin was puzzled: last time, the company needed a set of molds with a cost of 6, yuan, and she was not willing to buy them herself. But ERP and server are really necessary, so Yu Xin tried to borrow 1 million yuan from the bank to solve the problem of mold and software.
However, Yu Xin's legs are running thin, and there is no result. In Huayang, there are thousands of garment enterprises, and the production enterprises with less than 2 people like Yu Xin are not noticeable, but in the bank's view, such enterprises have not yet entered the vision of the bank credit department.
Yu Xin is depressed: there is almost no risk in short-term borrowing for several months. Why doesn't the bank do my business?
in Yu Xin's view, only a few large enterprises are valued by private enterprises now. "Loans from large enterprises are delivered by banks, but what about small enterprises? I can't ask for it. " He said.
In desperation, Yu Xin had to turn to a local "big boss". Because the other party was his friend for many years and he knew Yu Xin's business well, the other party agreed to help.
However, this loan is by no means a free lunch, and Yu Xin must pay interest of 1.3 cents per month. Twenty days later, Yu Xin successfully purchased the advanced molds in the industry, and moved the HP server back to the office, and the ERP management software with a cost of 15, yuan began to operate online, which fundamentally solved the problem.
Case study:
(1) Background analysis of private capital:
There are tens of thousands of private enterprises in Chengdu, and there are many enterprises like Yu Xin who lack funds. In the past 2 years, it was difficult for small enterprises to get loans. Today, the situation has hardly improved fundamentally, and private enterprises in Chengdu have experienced an unconventional development process. In this process, a class that makes a living by borrowing from abroad has emerged. The groups that lend money on the ground in Chengdu have a certain amount of capital. Generally, they made a sum of money from business in the early stage, but there are no people who run enterprises at present. These people have some spare money on hand.
In this context, Chengdu's private lenders have also formed a group. Some insiders believe that this market in Chengdu has lasted for five or six years. Compared with the monthly interest rate in Chengdu private market, the bank's one-year loan interest rate is really not high. But it is not easy for small and medium-sized enterprises to get loans at such interest rates. Most of the enterprises in Chengdu are family businesses, and the property rights of family businesses are not always clear. In addition, their own enterprises have almost no credit history in the bank, and if they want to borrow several million yuan, the bank will almost not agree.
(2) Analysis of the financing cost of the case. The financing cost of this case is relatively high in the case of financing of small and medium-sized enterprises, and the interest of its loan financing is 1.3. For such a small enterprise in this case, the funds it needs are actually not much, and the financing time is not long. Under such circumstances, it is not cost-effective to obtain funds in the form of private loans, but the bank's loan requirements are high. And the time when the company needs funds is urgent, so after a series of risk credit evaluations by banks, the company is likely to lose the effectiveness of financing. Therefore, in terms of time efficiency, financing from private capital has solved this problem well. For this enterprise, we weigh the pros and cons. For a place like Chengdu, where private capital is abundant and the bank's financing channels are not convenient, it is wise for this enterprise to choose private lending to obtain capital, which effectively solves the problem of its urgent need for capital, but it must pay a relatively high capital cost. Therefore, after the appeal analysis, I summarized the corresponding measures taken by local commercial banks to solve the problems arising from private lending.
(3) Corresponding solutions made by banks According to statistics of Industrial and Commercial Bank of China, by the end of 21, the loan amount of local commercial banks in Chengdu for small and medium-sized enterprises had reached more than 11 billion yuan, an increase of 16% over the previous year. Among them, the balance of small business loans was 14.24 billion yuan, an increase of 5.669 billion yuan or 71.7% over the previous year. Relevant persons of ICBC told this reporter that according to the bank's plan, the amount of loans for small and medium-sized enterprises will account for more than 5% of all loans in the next three years.
according to this strategy, commercial banks have formulated the "3125" plan for SME financing business-in three years, the number of SME financing customers of ICBC will increase from more than 5, to 1,, and the loan balance will increase from 1 trillion yuan to 2 trillion yuan, and the loan balance of SMEs will account for more than 5% of all loans in the bank.
many commercial banks have always emphasized that they should rely on "three key points" to develop the financial business of small and medium-sized enterprises. Namely: focus on developing mortgage loans for factories, shops and office buildings in economic development zones or science parks and business districts where small and medium-sized enterprises are concentrated; Grasp the upstream and downstream industrial chains of large enterprises and focus on developing financing for small and medium-sized enterprises with debts such as commodities and trade based on cash flow and logistics of enterprises; Focus on developing financing and wealth management services for small and medium-sized enterprises based on commodity credit in industrial clusters and large-scale commodity distribution trade areas.
(4) Case evaluation This case is a typical case of private financing. From this case, we can easily find that private financing is very active in a considerable part of China, but there are also many problems. In view of its existing problems, private capital can be solved through its own adjustment or cooperation with commercial banks. However, here, we can make such a conclusion that the vast number of private idle capital in China should be fully utilized to solve it.
Case 2: Financing from the government and venture capitalists
Brief introduction of the case:
On the "Eleventh" holiday in 23, Yuan Kewen, the general manager of Green Singularity Company, did not travel with his family like many people. He was busy preparing some important materials and applying to the Ministry of Science and Technology for a small and medium-sized high-tech innovation fund. In some HotMoney or foreign venture capitalists, this kind of government special fund is privately called "Mao Mao Rain", but it often becomes the "timely spring rain" for small and medium-sized high-tech enterprises like Green Singularity Company.
since its establishment in 21, Beijing Green Singularity Technology Development Co., Ltd. has been supported by various financial and capital means in every different development stage. It can be said that it is a great achievement of innovative means in the capital market. From the perspective of the development of green singularity enterprises, we can see that a green revolution concerning ecology and human destiny is unfolding. From the way of capital acquisition of green singularity, we can see that this is a gradual process of capital.
the first stage: as a scientific and technological achievement, R&D achievements from electronic companies, the forestry water-retaining agent "Dry Dew Plant Treasure" was born in 21. This pre-research and development fund comes from an electronics subsidiary. In 2, Yuan Kewen persuaded the person in charge of the electronics company to get 6, yuan to start research and development. A year later, this multifunctional forestry water-retaining agent product was successfully developed, which has the functions of water-retaining and rooting, drought resistance and water saving, soil improvement, nutrient slow release and pollution-free degradation.
the second stage: the professional incubator of venture capital, after the successful research and development of the scientific and technological achievements of "planting treasure in dry land", aims to promote the application of green singular scientific and technological products in the vast field of afforestation more quickly. In 21, Yuan Kewen found BVCC's professional incubators in the biological field, such as Haiyinke Biological Incubator, Blue Singularity Company and Xingtong Company, and invested more than 1 million yuan (accounting for 6% of the shares). Professional incubators can provide technical platforms and other professional support for enterprises in this professional and technical field. Especially in entering the market and making products occupy the market as soon as possible, the professional incubator of Haiyin Branch has made the green singularity grow rapidly. "The sales in 22 was more than 2 million yuan," said Yuan Kewen.
the third stage: with the promotion of market work, enterprise group funds and national innovation funds, like many enterprises that promote new technology products in economically underdeveloped potential markets, Green Singularity Company's "planting treasures in the dry" has indeed encountered financial problems in the promotion and application of poverty-stricken and remote areas in northwest China. Although with the continuous deterioration of China's ecological environment, the country has attached great importance to it, and has successively launched a series of corresponding policies that are beneficial to the promotion and application of "planting treasures in the dry dew". However, it is impossible to completely solve the problem in the northwest region that needs water-retaining agent products in a short period of time, and the development of potential markets still needs a lot of money.
However, the market prospect of forestry water-retaining agent "planting treasure in the dry dew" is extremely promising. BVCC once made a financial forecast for it: if the company sells 3 tons of products according to the market forecast in 23, it is expected to realize sales income of 9 million yuan, profit of about 2.3 million yuan, investment return rate of about 32% and earnings per share of .5 yuan. By 25, if the planned production and sales volume reaches 1,5 tons, the sales income will be 43.5 million yuan, the estimated profit will be around 16.76 million yuan, the return on investment will be around 21%, and the earnings per share will reach .56 yuan. Judging from the forecast results of return on investment, the return rate of this project is relatively high.
It is this forecast that prompted Guangcai Enterprise Group, a large domestic investment group, to invest RMB 1 million in this project in 23. However, it was not until the press release that the investment of this enterprise was delayed. But at the same time, General Manager Yuan Kewen was busy applying for the support of the National Innovation Project Fund for Green Singularity. Some insiders believe that if the investment scale is too large, it may be at a relatively unfavorable position for the fund recipient. Although this reason has not been confirmed, it is obvious that it is the most important thing for Yuan Kewen to get available funds as soon as possible and develop the product market smoothly and quickly, regardless of the size of the funds. Once the market cash flow reaches a certain order of magnitude, it will initially show the high growth of enterprises and projects, which will undoubtedly be more conducive to obtaining further and large-scale financing or investment opportunities for SMEs.
The scientific and technological innovation fund selected by Yuan Kewen this time belongs to government funds, state grants or investments, and plays an extremely important role in the capital sources of small and medium-sized high-tech enterprises.
Case study:
(1) Analysis of the effect of venture capital in the first and second stages. In the first stage, it is worth noting that, especially in the year or two after 1999, the amount of capital invested in new projects or start-ups declined seriously, and venture capital invested in them was even more rare. Although some private capital is still invested in the market, there are still few new high-tech companies. The most serious problem is that new products and new projects lack the initial capital to start in research and development. Venture capital companies are only interested in short-term investment in 5 ~ 7 years, but are unwilling to make long-term investment in original capital. Some professionals even call the fault zone between the support of science and technology institutions and the investment of investment institutions in this country "the valley of death". In other words, products, projects or enterprises that can't cross this fault zone generally "die before they get started". The reason why the high-tech entrepreneurs who get investment get their wish is not entirely convincing in product description, processing process and market positioning, but more due to the contingency of some investors' uncertain investment. Therefore, in this sense, the acquisition of 6, yuan RD investment of Green Singularity is extremely lucky.
some similar investments are also classified as "angel investment" if the amount is large or the development of the project is quite influential.
the second-stage business incubator generally appears in the form of InnovationCenter in China. China established its first incubator in 1987, and now there are more than 4 incubators of a certain scale.
the services provided by incubators can be said to be meticulous, covering almost all the needs of an enterprise from the initial stage to the operation. Entrepreneurship centers generally have their own incubation hardware: venues or workshops ranging from hundreds of square meters to tens of thousands of square meters for enterprises to use for office, scientific research and production. In terms of software services, it can help enterprises to complete a series of troublesome procedures such as registration, financial agency, project evaluation, annual audit, policy consultation, investment consultation, achievement appraisal, professional title evaluation, file management, domestic and foreign talent training, torch plan project declaration, and new technology enterprise declaration.
As early as the late 195s, someone borrowed the concept of "incubator" to vividly describe this system: one with.