SMEs ** difficult is an eternal topic

Financing is an eternal topic for SMEs. In the first half of this year, the central bank’s monetary policy tightened. The reporter’s investigation found that although the state’s policy has repeatedly stressed the relaxation of the conditions for SMEs, in the eyes of banks, SMEs are tantamount to “chicken ribs.” Applying for ** is still difficult.

When banks used SMEs, some banks directly rejected many companies.

Many banks' SMEs are limited to companies with a registered capital of more than 5 million, annual operating income of more than 20 million, and companies that have been established for more than two years. For enterprises with a registered capital of less than 5 million, they are regarded as micro-enterprises and are not within the scope of SMEs.

The approval process for SMEs is relatively complex. Enterprises have a loan period from the time they apply to receive funds. It takes time to review the financial status of SMEs. Many SMEs are not financially standardized, and operating income is not accounted for by companies. There are various problems.

Under the background of credit tightening, various commercial banks have seen rising interest rates for small and medium-sized enterprises. The interest rates of commercial banks are currently different, and the floating range is basically between 20% and 50%.

Recently, the National Development Institute of Peking University and the Alibaba Group released an investigation report on the current status of SMEs' operations in Beijing.

The report shows that the "shortage of money" of small businesses at the moment has become a universal problem. Only 15% of SMEs can borrow money from banks, and more than half rely on private lending.