In the fourth quarter of last year, under the influence of the state's plan to maintain a stable and rapid economic development package, China's economic stabilization and recovery momentum has gradually increased, and the production activity of small and medium-sized enterprises has gradually increased, and the demand for funds has gradually increased. According to the statistics of the People's Bank of China and the China Banking Regulatory Commission, as of the end of September 2009, the balance of RMB loans of SMEs in China's banking financial institutions was 14.1 trillion yuan (including 910.2 billion yuan in bill financing), an increase of 3.08 trillion yuan over the beginning of the year. , an increase of 28% over the beginning of the year.
According to the "Several Opinions on Further Promoting the Development of Small and Medium-sized Enterprises" issued by the State Council recently, the financing difficulties of SMEs have been effectively alleviated, and various financial institutions have increased their financial support for SMEs. There are indications that financial support for SMEs in many regional financial institutions is gradually increasing.
Financial institutions focus on SMEs
According to the China Bankers Survey Report (2009) jointly released by the China Banking Association, most bankers are actively paying attention to SME loan business, and 80% of bankers choose SME loans as the development focus of the bank's future corporate financial business. .
During the interview, the reporter learned that with the development of the county economy in the past two years, the county-level SMEs are also growing and growing, showing a positive development trend. The contribution of SME customers to the bank's operating profit is gradually increasing. More and more financial institutions are paying attention to SMEs.
On the one hand, large state-owned commercial banks have set up SME credit institutions and increased financing support for SMEs. For example, the five major state-owned commercial banks such as ICBC, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications have innovated small enterprise financing models, set up credit franchises to provide financing services for small enterprises, and promote the development of small enterprises.
On the other hand, many city commercial banks, which have been plagued by the intensification of competition among “big customers and big projects†and the decline in marginal revenue, have begun to promote the development of SME business as a strategic focus. In some coastal areas where SMEs have a large share, some financial institutions have shifted their focus to SME customers.
The reporter learned from the Ningbo City Center Branch of the People's Bank of China that in the first three quarters, Ningbo's new bank loans exceeded 90 billion yuan, of which SME loans increased by more than 70 billion yuan, accounting for more than 80%, whether from balance or increment. Seen, the loans of Ningbo financial institutions are mainly based on small and medium-sized enterprises.
Shi Daoming, general manager of Ningbo Bank Retail Company, told reporters that in the face of pressure from large and medium-sized banks to compete for small and medium-sized enterprises, some city commercial banks have gradually found that serving small local enterprises is an irreplaceable competitive advantage. In particular, small and medium-sized banks began to explore a reasonable positioning that is commensurate with their own scale and reflects their own advantages.
Banks have many initiatives to support SME financing
In the process of providing financial support for SMEs, some financial institutions have gradually explored some reasonable and scientific mechanisms and measures to provide financial support to enterprises in providing differentiated financial services, shortening loan processes, and providing multi-channel guarantees.
According to Huang Jianqin, director of the Planning Department of the Small Business Finance Department of the Agricultural Bank of China, according to the characteristics of small enterprises' short, small, frequent and urgent financing needs, ABC has developed a number of regional characteristic small enterprise financial products that meet market demand, such as: Small business shops, management rights, pledge loans, accounts receivable pledge loans, multi-family joint guarantee loans, and loans for fixed loans.
While innovating financial products, ABC also simplifies the credit business process. Borrowers who apply for small business simple loans can complete all loan approval procedures within three to five days at the earliest; borrowers who apply for self-service revolving loans can According to the production and operation cycle, it needs to borrow and repay itself.
Ningbo Bank, which is mainly engaged by small and medium-sized enterprises, opened the domestic bank first, implemented the small business as an independent line, and continued to explore financial products. This year, the bank launched “mutual assistance†through Ningbo Bank and guarantee. The company formed a strategic alliance, and small businesses that could not provide collateral or other effective guarantees when applying for loans from banks, guided and assisted them to improve their credit rating after the group and created financing possibilities.
According to the relevant person in charge of the Ningbo Central Branch of the People's Bank of China, in order to support the financing of SMEs, the central branch started from improving the policy support system and optimizing the financial environment for the development of SMEs, and fundamentally tried to alleviate the financing difficulties of SMEs. For example, including the establishment of a small enterprise loan risk compensation mechanism with the Municipal Finance and Economic Commission and other departments, arrange compensation funds, encourage financial institutions to increase credit investment in small enterprises; coordinate with the relevant departments to establish SME Credit Guarantee Co., Ltd., including policy City and county guarantee system including guarantee and commercial guarantee institutions; establish an online financing platform for enterprises, and establish a normal financing docking platform between financial institutions within the jurisdiction and 7,000 foreign economic and trade enterprises.
It is difficult to crack the financing of small and medium-sized enterprises.
SME financing has the characteristics of tight time, high frequency, small amount and high risk. Therefore, relatively mature large enterprises, bank service SMEs have to pay more costs and bear higher risks, so SME financing difficulties have always been a A worldwide problem.
Experts pointed out that to solve the financing difficulties of SMEs, it should be multi-pronged and need to be resolved by many parties. The first is to broaden the direct financing channels for SMEs and accelerate the construction of SMEs' capital market; the second is to speed up the construction of microfinance companies and village banks for SMEs, and encourage small and medium banks to set up branches in counties and villages; Private financing; Fourth, promote large banks to establish SME financial services franchise institutions, implement professional management of SME financial services, and improve service quality.
Guo Tianyong, director of the China Banking Research Center of the Central University of Finance and Economics, called for appropriate financial subsidies or risk compensation for commercial banks to carry out SME loans, and preferential policies for taxation of SME financial services franchises to enhance the development of bank SME credit business. ability. At the same time, establish a rapid write-off mechanism for the loans of small and medium-sized enterprises of commercial banks by the financial department to enhance the stamina of the sustainable development of the bank's credit business.
According to the "Several Opinions on Further Promoting the Development of Small and Medium-sized Enterprises" issued by the State Council recently, the financing difficulties of SMEs have been effectively alleviated, and various financial institutions have increased their financial support for SMEs. There are indications that financial support for SMEs in many regional financial institutions is gradually increasing.
Financial institutions focus on SMEs
According to the China Bankers Survey Report (2009) jointly released by the China Banking Association, most bankers are actively paying attention to SME loan business, and 80% of bankers choose SME loans as the development focus of the bank's future corporate financial business. .
During the interview, the reporter learned that with the development of the county economy in the past two years, the county-level SMEs are also growing and growing, showing a positive development trend. The contribution of SME customers to the bank's operating profit is gradually increasing. More and more financial institutions are paying attention to SMEs.
On the one hand, large state-owned commercial banks have set up SME credit institutions and increased financing support for SMEs. For example, the five major state-owned commercial banks such as ICBC, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications have innovated small enterprise financing models, set up credit franchises to provide financing services for small enterprises, and promote the development of small enterprises.
On the other hand, many city commercial banks, which have been plagued by the intensification of competition among “big customers and big projects†and the decline in marginal revenue, have begun to promote the development of SME business as a strategic focus. In some coastal areas where SMEs have a large share, some financial institutions have shifted their focus to SME customers.
The reporter learned from the Ningbo City Center Branch of the People's Bank of China that in the first three quarters, Ningbo's new bank loans exceeded 90 billion yuan, of which SME loans increased by more than 70 billion yuan, accounting for more than 80%, whether from balance or increment. Seen, the loans of Ningbo financial institutions are mainly based on small and medium-sized enterprises.
Shi Daoming, general manager of Ningbo Bank Retail Company, told reporters that in the face of pressure from large and medium-sized banks to compete for small and medium-sized enterprises, some city commercial banks have gradually found that serving small local enterprises is an irreplaceable competitive advantage. In particular, small and medium-sized banks began to explore a reasonable positioning that is commensurate with their own scale and reflects their own advantages.
Banks have many initiatives to support SME financing
In the process of providing financial support for SMEs, some financial institutions have gradually explored some reasonable and scientific mechanisms and measures to provide financial support to enterprises in providing differentiated financial services, shortening loan processes, and providing multi-channel guarantees.
According to Huang Jianqin, director of the Planning Department of the Small Business Finance Department of the Agricultural Bank of China, according to the characteristics of small enterprises' short, small, frequent and urgent financing needs, ABC has developed a number of regional characteristic small enterprise financial products that meet market demand, such as: Small business shops, management rights, pledge loans, accounts receivable pledge loans, multi-family joint guarantee loans, and loans for fixed loans.
While innovating financial products, ABC also simplifies the credit business process. Borrowers who apply for small business simple loans can complete all loan approval procedures within three to five days at the earliest; borrowers who apply for self-service revolving loans can According to the production and operation cycle, it needs to borrow and repay itself.
Ningbo Bank, which is mainly engaged by small and medium-sized enterprises, opened the domestic bank first, implemented the small business as an independent line, and continued to explore financial products. This year, the bank launched “mutual assistance†through Ningbo Bank and guarantee. The company formed a strategic alliance, and small businesses that could not provide collateral or other effective guarantees when applying for loans from banks, guided and assisted them to improve their credit rating after the group and created financing possibilities.
According to the relevant person in charge of the Ningbo Central Branch of the People's Bank of China, in order to support the financing of SMEs, the central branch started from improving the policy support system and optimizing the financial environment for the development of SMEs, and fundamentally tried to alleviate the financing difficulties of SMEs. For example, including the establishment of a small enterprise loan risk compensation mechanism with the Municipal Finance and Economic Commission and other departments, arrange compensation funds, encourage financial institutions to increase credit investment in small enterprises; coordinate with the relevant departments to establish SME Credit Guarantee Co., Ltd., including policy City and county guarantee system including guarantee and commercial guarantee institutions; establish an online financing platform for enterprises, and establish a normal financing docking platform between financial institutions within the jurisdiction and 7,000 foreign economic and trade enterprises.
It is difficult to crack the financing of small and medium-sized enterprises.
SME financing has the characteristics of tight time, high frequency, small amount and high risk. Therefore, relatively mature large enterprises, bank service SMEs have to pay more costs and bear higher risks, so SME financing difficulties have always been a A worldwide problem.
Experts pointed out that to solve the financing difficulties of SMEs, it should be multi-pronged and need to be resolved by many parties. The first is to broaden the direct financing channels for SMEs and accelerate the construction of SMEs' capital market; the second is to speed up the construction of microfinance companies and village banks for SMEs, and encourage small and medium banks to set up branches in counties and villages; Private financing; Fourth, promote large banks to establish SME financial services franchise institutions, implement professional management of SME financial services, and improve service quality.
Guo Tianyong, director of the China Banking Research Center of the Central University of Finance and Economics, called for appropriate financial subsidies or risk compensation for commercial banks to carry out SME loans, and preferential policies for taxation of SME financial services franchises to enhance the development of bank SME credit business. ability. At the same time, establish a rapid write-off mechanism for the loans of small and medium-sized enterprises of commercial banks by the financial department to enhance the stamina of the sustainable development of the bank's credit business.
Hook Grounding Pulley block is installed on outlet side of tension machine and on line side of puller;
Hoisting Point Block Uses serve as poising block in multipoint method crane. it is light ,easy operation and heavy duty.
Specifications
|
Item number |
Model |
Root diameter of sheave |
Material of sheave |
Applicable cable |
Weight (kg) |
|
12111 |
SHL75D |
Φ75 |
Aluminium |
Conductor |
4.5 |
|
12111A |
SHL75DA |
5 |
|||
|
12112 |
SHG60D |
Φ60 |
Steel |
Steel Wire Rope, earth wire |
5 |
|
12112A |
SHG60DA |
5.5 |
Notes:
To eliminate induce electricity in conductor and grounding wire when releasing
wires.
Mounted on the outlet side of tensioners or the inlet side of puller, and drawn
by two stay wires.
Tri-sheave mechanism compacted automatically.
Maximum allowable current is 100A, time electrified is 0.1 second.
It is recommended that section of mating conductor is 25 mm2
Terminal Tackle, Hoisting Point Block, Chain Lifting Block, Hook Grounding Block.
NINGBO MARSHINE POWER TECHNOLOGY CO., LTD. , http://www.marshine-power.com