In early July, the Tianjian farm and sideline products Sales Co., Ltd. of Yutai County received an order for the export of 900 tons of onions to South America, and needed funds to organize the supply.

Only 3 working days, 1 million 200 thousand yuan loan from the County Rural Credit Union.

Business has been made, and Tianjian has made a profit of about 400000 yuan.

"It's so easy to borrow the funds that I need urgently. For my small business with a total assets of only about 5000000 yuan, I didn't think about it in the past."

Fan Weidong, corporate representative, told reporters in July 28th.

It is particularly difficult for small and medium-sized enterprises to borrow money under the current macroeconomic regulation and monetary tightening.

And Tianjian company has not been baffled, it is benefited from an innovative measure jointly rubbed by the three parties of the government, enterprises and banks.

In October 2005, the government set up a platform, the banks and enterprises joined hands, and 12 small and medium-sized enterprises in the fish town formed a guarantee community, and the Yutai County Private Economic Development Promotion Association was established.

In accordance with the operation mode of "rolling development, interactive operation and serial guarantee", each member enterprise pays a guarantee margin of not less than 200 thousand yuan at the time of membership. As a loan risk compensation, 12 enterprises pay a total margin of 5 million 100 thousand yuan.

According to the agreement between the association and the rural credit union of the county, the member enterprises can get the loan that is 3-5 times higher than their own deposit at any time from the County Credit Union.

In the process of repayment of member enterprises, once the overdue behavior is committed, the deposit will be repaid by margin, and the shortfall in margin will be made up by other member enterprises.

This mode reduces the risk of bank loans and enhances the integrity of enterprises.

In the 3 years, 12 enterprises' loans totaled more than 100 million yuan, and there was no overdue loan behavior. The fixed assets of 12 enterprises increased from about 20000000 yuan to about 74000000 yuan.

In 2007, Yutai county established the foreign trade import and Export Association, and another 10 enterprises established alliances and mutual guarantees.

At present, the new mode of loan is being comprehensively promoted in Jining, and it is expected to enable more SMEs to get rid of the difficult loan dilemma.

In addition, the city of Jining has established 36 credit guarantee institutions. This year, the total number of guarantee households is 1630, 4100 guarantees are guaranteed, and the guarantee amount is 1 billion 400 million yuan.

If the move to solve the problem of loan financing is a concrete problem, then the other step is to seek the general trend of structural adjustment, which is related to the overall layout of scientific development.

Focusing on the strategic pformation of resource-based cities, Jining has identified five pillar industries: coal chemical industry, machinery manufacturing, biotechnology, pharmaceutical food, textile and clothing, with large enterprises as the leader, grasping big and supporting small businesses, promoting the small and small industries, and extending the industrial chain to form industrial clusters.

Small and medium-sized enterprises have gained substantial benefits in relying on the big league. If the Dongyue Group, which produces trailers, joined the CIMC group, it enjoyed the price concessions for large enterprises in the procurement of steel products, and the cost dropped by more than 10%.

"There is no way out for enterprises that rely too much on labor costs, consume a lot of resources and operate extensively."

Xie Yunliang, deputy director of the Jining Municipal People's business commission, said.

This year, Jining chose 300 small and medium-sized enterprises to enter the scale cultivation and upgrading plan, chose 21 characteristic industrial clusters and 50 products to give priority to nurture and support.

In the first half of this year, the investment in technological pformation of SMEs increased by 10 percentage points over the original plan.

On the other hand, the 20 categories of "two high and one capital" enterprises are concentrating on remediation, and compulsory cleaning up 714 small and medium-sized enterprises, such as gelatin, plastic, leather, chemical industry, electroplating, small tar and small garlic drying.

The two step is to play chess.

In 1-6, 99% of the total number of Industrial Enterprises above Designated Size reached 95 billion 300 million yuan, 10 billion 200 million yuan in profits and taxes, and 6 billion 490 million yuan in profits, representing 47.4%, 34.8% and 37.2% growth respectively.