平衡.提倡“超越生存”的概念,这种方法侧重

平衡.提倡“超越生存”的概念,这种方法侧重

平衡.提倡In industries such as wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as companies with prospects but temporarily trapped, they must not blindly draw loans, break loans, and suppress loans; Improve loan renewal policy arrangements, increase credit loans and medium- and long-term loans, etc. to support related companies to overcome the impact of epidemic disasters. Immediately afterwards, the central bank's Shanghai headquarters, the central bank's business management department (Beijing), the central bank's Chongqing business management department, and the central bank's Guangzhou branch successively announced work arrangements on epidemic prevention and control. In terms of financial support, the central bank ’s multiple branches encourage financial institutions to set prices,。

“超越jGuarantees are given preferential treatment, and special preferential interest rates and other support methods are implemented; in the approval process, a green channel for special credit approvals can be established to apply for special, special and urgent affairs for reasonable credit applications for enterprises involved in epidemic prevention and control, simplifying the process and expediting the review Approve quickly and release as soon as possible. Under the epidemic, some banking institutions, including large state-owned banks, joint-stock banks, policy banks, and city commercial banks, have adopted corresponding relief measures for small and micro enterprises, individual industrial and commercial households, etc. For example, Agricultural Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, etc. have issued relevant policies to prevent outbreaks during the prevention and control of new coronavirus pneumonia。

生存”的The operating loans controlled by the corresponding small and micro enterprises and individual industrial and commercial households will be reduced by 0.5 percentage points on the current basis and other measures. At the same time, Bank of China, Postal Savings Bank, China Merchants Bank, Wezhong Bank, etc. proposed to support enterprises with epidemic impact on normal operations and temporary difficulties, according to the actual situation, through the reduction of overdue interest and loan extension. The Caijing reporter also noted that the current credit support of the bank mainly focuses on the epidemic situation, basically for customers in the fields of biopharmaceuticals, medical devices, medical research and other fields. However, even if it is related to these fields, some companies have encountered bankruptcy when applying for loans in the epidemic.。

概念,OK. Luo Ming, chairman of Hubei Changjiangyuan Pharmaceutical (hereinafter referred to as Changjiangyuan Pharmaceutical) Co., Ltd., who is on the front line of the epidemic situation, feels very deeply about this. After the epidemic broke out, he began to purchase and deploy medical supplies on the front line in large quantities, which required sufficient financial support. But when he submitted a loan application to a long-term bank, he was turned down. According to public information, Changjiang Yuan Pharmaceutical belongs to Changjiang Pharmaceutical Group. The latter's current output value sales exceed 3 billion yuan and the market value is nearly 4 billion yuan. When other industries are hit by the epidemic, doctors。

这种方3Pharmaceutical and other industries are considered to usher in a new spring of development. We have eaten ‘closed door soup’ in this situation. I am afraid that companies with no scale in other industries will be more difficult. Luo Ming said. Feng Zhuohui, the general manager of Guangzhou Jinlangxing Nonwovens Co., Ltd. (hereinafter referred to as Jinlangxing), who was not working on the front line but also worked overtime for several days because of the epidemic, replied three Words: too difficult. According to Feng Zhuohui, Jin Langxing is mainly engaged in the processing of non-woven fabrics. In this epidemic, it is mainly the production of protective clothing. It is understood that the company's products are mainly sold to foreign markets, but due to Sino-US trade friction and other reasons。

法侧重dAs a result, in 2019, when the turnover reached 50 million yuan, only a meager profit of 500,000 yuan was realized, and the company's staff has also shrunk from hundreds at the peak to dozens of people in recent years. In the course of changes in company performance and personnel, banks will take away loans as soon as risks occur; no matter how bad the business situation is, they simply cannot get loans. Feng Zhuohui recalled his previous experience. However, under this epidemic, Changjiang Yuan Pharmaceutical and Jinlangxing are lucky compared to other companies. It is understood that the China Agricultural Development Bank Hubei Branch and Guangdong Branch took the initiative to contact the two enterprises, and quickly。

2Completed two loan support (Changjiang Yuan Pharmaceutical 40 million yuan, Jinlangxing 5 million yuan). It is worth noting that, in addition to banks and other financial institutions taking bailout measures against small and micro enterprises, Wanda Business Management Group, Longhu Group, Xincheng Holdings, Aegean Group and other companies have announced the reduction of rents for their merchants. But to what extent can these measures alleviate the plight of SMEs currently suffering from the epidemic? Under normal circumstances, bank loans need to consider whether your cash flow is stable, whether there are collateral and other factors, usually our credit line is not used up, but if the epidemic continues, it is estimated。

In the opposite direction, it begged for the bank to provide funds, but according to the bank's approval process, it was difficult to "extinguish fire" in a timely manner; on the other hand, the real estate company's rent reduction and reduction seemed to help us solve the big problem, but after being forced to suspend business, The wages of thousands of employees are still pressing on us. An executive of a large catering company bluntly said that at the moment, many of the companies that have been hit cannot receive the corresponding credit support, and even measures such as deferred repayment, reduction of overdue interest and rent, etc., for some small and medium-sized enterprises, it is Carrying it on cannot solve the fundamental problem. Questions about the current dilemma of enterprises and the effectiveness of related measures。

bIn an interview with the “Finance” reporter, Bu Zhenxing, a senior economist at the Postal Savings Bank, pointed out that from the perspective of the enterprise, because of the epidemic that led to the suspension of work and production, the financial industry ’s so-called loan renewal and interest rate reduction measures only keep the company from generating nominal Breach of contract, but the cost of the enterprise is not only the cost of capital, but also the rental cost, labor cost, etc., relying solely on financial support is limited, after all, the enterprise needs more orders and input items; second, differentiated, targeted Although its credit policy sounds beautiful, it still needs supporting technical and human support. Without credit research, there has been a breach of contract. Credit。

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