Credit Tightening Raw Material Prices, Small And Medium-Sized Textile Enterprises Capital Chain Suffered Double-Sided Attack.

Banks tighten credit.

Enterprise pressure

"The enormous pressure brought by inflation on the capital chain of enterprises is not very concerned, but it is very serious."

Zhan Dingguo, vice president of Pudong Development Bank Suzhou branch, said that the rise in raw material prices not only eroded the profits of enterprises, but also brought tremendous pressure to the enterprise capital chain.

For example, he said, the price of cotton doubled, and the liquidity of cotton spinning enterprises doubled, and the pressure on enterprises increased sharply.

When enterprises need liquidity most, bank credit also tightens.

"Our quota for large enterprises is zero, and consumer credit is very limited.

Small and medium-sized enterprises have a little, but not many. "

A staff member of Bank of China Nantong branch told reporters.

Zhang Yingjie, general manager of Suzhou Rong FA investment consulting company, which has long been engaged in corporate financing services, told reporters that according to past experience, banks' overdue loans in the fourth quarter of last year tended to be concentrated in the past year.

But this year is February, and lending is still slow.

Minsheng Bank, a credit department staff, said that the credit crunch is directly reflected in two aspects, one is the quota, which will gradually increase loans for long-term cooperative customers, which will grow with their business. But now it has been reduced. Two is the deadline. At present, only one year loan is made, and there is little long-term loans for 35 years.

Some enterprises can not keep up with others, so they have to rely on the temporary pition of private financing.

Under the pressure of controlling credit scale, Zhan Ding Guo said that supervision of banks is tighter now.

For example, the ratio of bank deposit to loan ratio should be controlled within 75%. In the past, it was controlled by year, and some months in the middle could be exceeded.

The tightening of bank credit and the "regulated" industry are most obvious.

"Five small" (small cement, small thermal power, small refining, small glass, small steel) basically not lending, and real estate related industries, do not intend to intervene.

The above Minsheng Bank staff said, after the real estate regulation intensified, they no longer optimistic about the real estate industry chain enterprises, building engineering, building materials enterprises basically no longer loans.

Improving risk tolerance of SMEs

All along, SMEs are the most difficult to obtain bank loans, but according to reporters, the current situation seems to have improved slightly.

The staff of the Bank of China Nantong branch said that the Bank of China is now inclined to support small and medium enterprises. First, in response to the call of the state, in addition, because of the strong bargaining power of SMEs, they can have higher loan interest rates.

Therefore, although the quota for large enterprises is zero, there are still some quotas for SMEs.

The above Minsheng Bank staff introduced their risk tolerance to SMEs, which is more positive than before.

The old slogan was "no risk is the best development". Now it is changed to "income coverage risk". They can earn more profits from small and medium-sized enterprises by reducing the scale of single loans and raising interest rates.

Zhan Dingguo believes that in the climate of credit crunch, there is a favorable factor for small and medium-sized enterprises: the large-scale liquidation of government financing platform since last year, squeezing out many loan quotas, which can flow to small and medium-sized enterprises, and make up for the shortage of funds.

"We have not yet calculated the overall situation after the positive factors of the financing platform and the negative factors of the credit crunch. What's more, the only way to judge is that the negative factors are bigger, and the financial pressure for the SMEs will be huge next."

Zhan Dingguo said.