完善贷款制度 从根本上破解中小企业融资难题

bocheng
bocheng
bocheng
188
文章
1
评论
2020年4月14日23:39:44 22 2,173 1150字阅读3分50秒
相比前些年,当前中小企业融资难问题得到较大缓解,但同中央要求、企业期待相比,仍有较大差距。各地应按照中央要求,抓住痛点堵点问题,从制度上探寻原因,从根本上破解中小企业融资难题。
我国中小企业融资约80%来自银行贷款,故研究中小企业融资难要把主攻方向放在银行贷款上。目前企业在贷款上反映较强烈、较普遍的问题主要有:
一是贷款短期化,与企业需求和资金周转期脱节。很多企业的资金需求是中长期需求,期待银行能提供中长期贷款。据了解,美国小企业管理局合作银行对中小企业贷款一般是7年到10年。目前我国银行业贷款存在短期化、期限错配问题,和企业需求难以匹配。这往往会带来两个后果:一是人为地增加还贷次数,企业倒贷、续贷压力大,也给银行抽贷提供了可能。二是这容易导致企业资金“断档”,影响正常生产经营。
二是先还后贷“一刀切”及“过桥”成本高、续贷风险大。无论企业效益好坏,贷款期限是否错配,现在银行大多要求先还款、后贷款。这会带来两大问题:一是过桥成本高。资金紧张的企业为了还贷,不得不拆借高息“过桥”资金,大幅度增加成本。二是续贷时间长。先还后贷存在时间差,续贷往往一两个月,造成企业长时间资金“断档”,极易引发资金链断裂。
三是如果企业没有相应的抵押物,就难以贷到款。
融资难融资贵,有一定的管理制度原因。一些银行中期流动资金贷款规定最长3年,不大符合企业流动资金周转实际周期,也和《贷款通则》里规定的1年至5年的规定不完全相符。银行出于自身利益和责任考虑,一般不办理借新还旧,而是要求企业先还后贷。
展期制度过严也是一个原因。展期是纠正期限错配、避免资金“断档”和过桥等问题最简捷易行的方式,但有的银行展期制度过严、执行得有些机械。例如,有的银行规定,无论金额大小,基层银行都无权展期,一些银行不加区别地将展期一律列入关注类,导致基层银行缺乏办理展期的积极性,使得展期缓解期限错配问题的作用没有充分发挥。
还有政策性信用保证机制缺位的原因。大多数地区没有设立非盈利性的信用保证基金,一些担保公司严格要求反担保,几乎没有信用保证业务。
因此,有必要进一步完善贷款制度,更好地破解中小企业融资难题。
建议对“借新还旧”的情况加强研究,特别是对于符合一定条件(如符合产业政策、生产经营正常、有担保和属于周转性贷款等)的,做具体分析,力争完善相关制度安排。
建议稳慎放宽展期政策。将一定额度展期权限下放基层行,纠正展期“一刀切”地列入关注的做法,并明确相应的责任。
建议完善中长期贷款制度。改变单一的还款方式,探索既可以分期还款,也可以一次性偿还,由企业根据实际情况灵活选择还款方式。同时,统一中期流动资金贷款1年至5年的期限规定。
建议探索建立政策性信用保证制度。建议探索设立非营利性中小企业信用保证基金,更好地解决无抵押物贷款难问题。
继续阅读
匿名

发表评论

匿名网友 填写信息

评论:22   其中:访客  22   博主  0
    • porno porno

      What a information of un-ambiguity and preserveness of precious knowledge on the topic of unpredicted feelings. Melesa Dewie Gypsie

      • yify yify

        Hallo, Hallo, gut Webseite Sie haben got es hier presentlynehayat. Ekaterina Kellby Fayth

        • online online

          Here are some links to web-sites that we link to mainly because we consider they may be worth visiting. Yovonnda Darrell Prosser

          • online online

            Really enjoyed this blog. Thanks Again. Keep writing. Renae Raimund Frederica

            • dublaj dublaj

              Great message for all the people. And also very interesting facts about the plastic surgery. Roanna Ellary Latt

              • watch watch

                WP Rentals can benefit both hosts and travelers. Hosts get to meet people from around the world while making a little extra money, and travelers can often stay for less than the cost of a hotel room. In addition, many travelers enjoy accommodations that offer a different experience from standard hotels. Modesta Alessandro Tamaru

                • access access

                  The other day, while I was at work, my sister stole my iphone and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!| Domini Scotty Prudi

                  • movies movies

                    Hi there. I discovered your site via Google whilst looking for a similar subject, your website came up. It seems to be great. I have bookmarked it in my google bookmarks to visit then. Sondra Harland Herculie

                    • altyazili altyazili

                      I blog often and I seriously thank you for your information. This great article has truly peaked my interest. I will book mark your blog and keep checking for new information about once per week. I opted in for your Feed as well. Penny Burr Phillipe

                      • 720p 720p

                        I used to be able to find good info from your blog posts. Muriel Marshal Kessel

                        • hindi movie hindi movie

                          A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. Gwenny Aleksandr Ursi

                          • turkce turkce

                            Thanks for sharing, this is a fantastic article post. Fantastic. Kacey Keelby Nerti

                            • erotik erotik

                              Way cool! Some extremely valid points! I appreciate you writing this article and the rest of the website is also very good. Calley Emmott Horten

                              • erotik erotik

                                This is a hugely attractive post. You are doing well with writing. Kelsey Mahmud Chatwin Mada Arie Rafat

                                • erotik erotik

                                  I do like the way you have presented this difficulty and it does supply me a lot of fodder for consideration. Nonetheless, coming from just what I have witnessed, I basically wish when the actual commentary pack on that individuals continue to be on point and not start upon a soap box associated with some other news du jour. Yet, thank you for this outstanding piece and though I can not necessarily concur with this in totality, I regard your perspective. Noel Jozef Kaltman

                                  • erotik erotik

                                    Please put me on your list of intetested buyers. Thank you! Cassi Garfield Darin

                                    • erotik erotik

                                      After looking into a handful of the articles on your web page, I seriously appreciate your technique of writing a blog. I book-marked it to my bookmark webpage list and will be checking back soon. Take a look at my website as well and let me know what you think. Chastity Maxy Ichabod

                                      • turkce turkce

                                        We at Voatz believe it is possible today to support all three of the requirements. Our solution provides End to End Verifiability and Secrecy. Accessibility hence usability are core to the design of our Mobile App., Jacynth Christy Nazler

                                        • turkce turkce

                                          Hello there. I discovered your website via Google even as looking for a similar topic, your site got here up. It appears great. I have bookmarked it in my google bookmarks to come back then. Winona Tome Lindsey

                                          • turkce turkce

                                            Super-Duper site! I am loving it!! Will be back later to read some more. I am taking your feeds also. Giacinta Ulrich Bolanger

                                            • yerli yerli

                                              I think this is among the most vital info for me. And i am glad reading your article. But want to remark on some general things, The web site style is wonderful, the articles is really nice : D. Good job, cheers Pietra Jackie Peder

                                              • erotik erotik

                                                It was a great book. A fun read if you get the chance to read it Scarlet Bryant Scornik