In recent years, private enterprises have been facing the problem of financing difficulties, for two reasons, one is that private enterprises do not have any decent collateral, and the other is that private enterprises have a high probability of default.
China's financial market is not well developed, and the financing channels are relatively simple, mainly bank loans. Therefore, the big hat of financing difficulties is often put on the heads of banks, and all kinds of support and support also involve banks.
But the bank is also very wronged, this is a highly leveraged and high-risk industry, the most afraid is the bad debts generated by default, the bank has its own risk control system, and private enterprises are naturally high-risk, and the real bad debts burst or have to hold themselves accountable. Therefore, I feel that the financing board of private enterprises is indeed a bit of a duck on the shelf.
How to solve the financing difficulty?For a while, the credit of private enterprises will not come up, and the development of financing channels cannot be achieved in a few words.
In my opinion, instead of forcing banks to set targets for private enterprises, it is better to control the amount of loans that banks can make to state-owned enterprises. The bank's deposits are liabilities, and loans are assets, and if they can't be borrowed, it means that they have a negative return in fact, so the bank is under pressure to lend. If there are no restrictions on access to state-owned enterprises, banks will not have this sore spot. Loans to state-owned enterprises are intrinsically guaranteed due to the state's intangible guarantee. On the other hand, even if it is not on the line, there is no major problem of accountability, but if it happens in the private sector, it is completely different.
Therefore, it is useless to introduce fewer policies to encourage banks to provide financing to private enterprises, and it is better to lock up or restrict the convenience of state-owned enterprise loans.