"The rent and staff costs are now high. If I have no orders for a few months, I will not choose to go to the bank." When it comes to loans, Mr. Wen, the general manager of Beijing Chaohua Culture Media Co., Ltd., has a lingering fear of light assets. For small businesses, bank loans are prohibitive. Although the central bank has cut interest rates twice, and further reduced the lower limit of the floating range of loan interest rates from 0.8 times to 0.7 times in order to stimulate the development of the real economy and reduce the financing costs of enterprises, but for small business loans, it is still far from being hydrolyzed. Near thirst." Â Â Â Â Â Â There are a lot of procedures, small business financing does not find a bank company has just started, Mr. Wen, who needs money everywhere, said that the current funds rely entirely on their own savings, although they have carefully studied bank loans, but ultimately chose to give up. "The loan amount given by the bank is too small, that is, tens of thousands or hundreds of thousands, and the procedures are too cumbersome, and the interest rate is high. It is better to borrow money directly from friends and relatives." For the newly-developed small loan company. When the private lending method, Mr. Wen is even more dissatisfied: "The cost is too high, never considered." Although the central bank lowered the interest rate floating range lower limit at the time of the interest rate cut in July, most banks' interest rates for small business loans at this stage. There are no concessions, and some banks have even gone up 10% to 30%. For banks, small and micro enterprises are indeed high-risk, high-cost businesses. A bank insider said that due to the impact of the financial crisis, some small businesses are more risky than before. If there are no hard conditions such as mortgages, banks are more willing to allocate loans to personal loans such as mortgages. "Now the enthusiasm of the fund providers is not high." Bai Chengyu, secretary general of the China Microfinance Alliance, said that although the central bank has gradually liberalized the floating interest rate of the loan interest rate, from now on, the profits from these fund suppliers may be Not yet reached psychological expectations. Â Â Â Â Â Â The marketization of interest rates will not be able to hydrolyze the further marketization of the interest rate of the thirsty loan. It seems to have become the primary way for the industry to ease the difficulty of small and micro enterprises. Zhao Qingming, a visiting professor at the University of International Business and Economics, said that as the spread narrows, banks have to face a transformation, and small and micro enterprise loans are one of the bank's choices, which will force banks to pay attention to small businesses. However, far from the thirst, the interest rate marketization is still not fully liberalized. Small business owners shouted "tax reduction and fee reduction" at the same time to alleviate the short-term financial difficulties. "There are many types of taxes, and the difference is large. The financial cost is 30% to 40% of the company's gross profit." As a director of a small-scale cultural enterprise that has been in business for more than a year, Mr. Lai spoke to reporters. Personal taxation, business tax, value-added tax and other taxes are numerous and complicated, which also leads to high financial costs of the company, and about 90% of the financial costs are various taxes. In addition, there are a wide range of expenses such as industry management fees, education and training fees. Bai Chengyu said that reducing the tax burden can reduce the burden on small and micro enterprises more directly than the interest rate cut. The tax rate can be adjusted by the state, but the market interest rate is not. In the case of high interest rates for small and micro enterprises, the government can also provide certain subsidies to industries with lower profits to promote the sound development of small and micro enterprises. However, some industry scholars have warned that structural tax cuts may reduce the local government's fiscal revenue, and the subsequent increase in other taxes and fees, the good medicine that would have benefited the development of the enterprise may eventually run counter to the original intention.
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