Since December 5, 2008, the RMB deposit reserve ratio of the large deposit financial institutions such as ICBC, agricultural bank, Bank of China and China Construction Bank has been reduced by 1 percentage points.

The magnitude of the interest rate cut and the intensity of its efforts have not been seen for 11 years.

Textile and other labor-intensive small and medium-sized export enterprises have little relationship. In the eyes of many banks, we have been included in the other register, belonging to the category of restricted loans.

Wang Xiangjun, general manager of Shanghai Dingxin bag and luggage Co., complained to reporters that the "latent threshold" already formed by the banking industry has long limited the way of loans for the vast majority of small and medium-sized enterprises. In addition, the impact of the international financial crisis has given the small and medium-sized export enterprises more risk and frost.

For example, the central government should increase investment, arrange special funds for SMEs, 3 billion 510 million yuan, and implement preferential tax policies.

On the 26 day, the executive meeting of the State Council once again proposed that we should vigorously support the development of small and medium-sized enterprises, improve the guarantee system of small and medium-sized enterprises, and increase the support of bank credit.

Over the past three years, although China's total credit volume has increased, the proportion of loans granted by SMEs has been shrinking.

Beijing de Yu company applied for loans to banks in the first half of this year and mortgaged their own homes.

But the bank has spent six months on the qualification and price appraisal procedures, and the final implementation of the loan is still on paper.

Moreover, under the influence of external environment, the profitability of small and medium-sized export enterprises in China has sharply weakened.

If its profitability can not cover the cost of loans, for banks, it means the deterioration of asset quality and potential large amount of bad debts. This is the biggest concern of banks in lending to SMEs, which further aggravates the financing difficulties of small and medium enterprises, especially small and medium-sized enterprises.

Chang An, chairman of Gansu New Energy Investment Co., Ltd., Chang Gui, told reporters that the current economic situation is not good. Almost all pactions, especially the purchase of raw materials, can only be cash pactions.

But it is also such a group whose capital share is only 10%.

Shortage of funds has become a "stubborn disease" of this disadvantaged group.

Sun Mingchun, a senior economist at Nomura international, believes that the package of stimulus packages is large in scale, long in duration, stable in return, and has hidden protection from the government. Domestic banks may be more willing to lend loans to these government supported projects instead of lending them to SMEs, especially in today's uncertain economic environment.