2009-09-15

Small and medium enterprises getting credit

Good news for China's economy: Half of Total Lending Goes to SMEs
"It's also the first time that the growth rate of loans to SMEs has exceeded that of total corporate loans," Yang said.

Five stated-owned commercial banks and 12 joint stock lenders established special divisions to serve SMEs in the first six months, he said, adding that the 17 financial institutions extended 72 percent of total SME loans during the period.
上半年全国中小企业贷款占比超“半壁江山”
今年以来,银监会放宽了中小商业银行准入条件;推进新型金融机构建设,计划在未来三年内设立新型农村金融机构1294家,主要分布在农业占比高于全国平均水平的县域、中西部地区、金融机构网点覆盖率低的县域,以及国家级、省级贫困县和中小企业活跃县域。此外,为中小企业提供金融服务的担保体系、金融产品体系、统计体系等也在不断完善。
  杨家才向《财经》记者表示,目前中小企业融资的最大难点,首先是中小企业的信用体系不完善,企业本身的信息缺失,难以证明自己的信用。其次,支持中小企业融资的财税体系还有待完善。杨家才说,目前中小企业享受的财税政策与大型企业一样,但企业的贷款不良率方面,小企业达13%,中小企业为4.5%,而大企业只有1%。如果税收政策方面能给予中小企业贷款业务的营业税减免,就可以解决银行给中小企业贷款的后顾之忧。

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