It is the biggest difficulty that enterprises are facing at present. To small and medium-sized enterprises, they are also financing and failing to finance.

Many people in the southern Fujian business community say that the action of financial institutions will play a vital role in the survival of small and medium-sized enterprises.

Financial institutions have increased support for financing, and the relevant government departments have reduced the tax burden, which has become the general voice of small and medium-sized enterprises struggling in the "cold winter".

According to the statistics of Jinjiang Municipal Bureau of inspection, the export volume of the city dropped by 10.3% in the first 10 months of this year, of which the export volume to the US dropped by 12.8%, and the export batch to the EU dropped by 7.8%.

In all kinds of products, clothing has dropped by 18.7%.

Down 11.8%.

Last year, 30 of the 226 enterprises that had export performance in the year 1 to September stopped exporting and 105 suffered negative growth.

In addition, the risks faced by enterprises facing export collection are significantly increased, and importers are in arrears and even refuse to pay.

Wang Gengsheng, general manager of Fujian Sanli Locomotive Co., Ltd., said that since September, the euro and the pound have both depreciated by nearly 40%. In the past, the US dollar became the most stable currency, and the exchange rate risk in the non dollar market was even greater.

A series of policies to support export enterprises have brought more hope to the difficult export enterprises. However, some enterprises have appealed for more tax rebates, cleaning up inappropriate fees and reducing the burden on enterprises.

How much tax and fee does an enterprise have to pay?

It is understood that in addition to tax related to the production and operation of enterprises, the land tax department also collects urban property tax, land use tax, personal income tax and stamp duty. In the Quanzhou area, the land tax is also charged for the maintenance of dike projects, the employment security fund for the disabled, the adjustment fund for non-staple food prices, the local educational attachment and the social security fund. Some enterprises have a tax burden exceeding 10% of the sales revenue.

Why does the vice president of the company say, "now that every enterprise has managed to return the funds before the year, it is useless for the enterprise to be big anymore. Who has cash in hand?"

A dealer from Yunnan reflects that every brand new sports shoes store has been on sale for a few days, but it has not been seen in the past. Everyone is eager to return the money before the year.

Most of the respondents said they were not optimistic.

The chairman of the company said that the profits of the export enterprises had declined sharply, but the bank's

The cost has not declined, small and medium-sized enterprises.

Generally on the basis of the benchmark interest rate to float 20% to 50%, the cost of the loan is around 10%, if the enterprise profits are low, the more loans, the greater the loss.

In the view of this business owner, we should be vigilant against the phenomenon of "banks pushing money to overtake enterprises" in the near future. Beware of some assets that are not bad enough to be pushed down by loans due to insufficient cash flow.

Institutional Innovation

There is still plenty of room for products.

Why does it mean that "del Hui" has been listed as the top 500 brand in China by the Chinese brand laboratory. The brand of Jinjiang is quite well-known in the whole country. However, banks do not pay much attention to the value of intangible assets such as factories and equipment.

The owner of the clothing company reflects that his company's assets appraisal is over 100 million yuan, but the amount of loans that can be borrowed from banks is only tens of thousands, so it is difficult to meet the needs of enterprises.

Stakeholders told reporters that even if the loan secured by Guarantee Corporation, commercial banks still adhere to the benchmark interest rate on the basis of floating 50%, plus 3% of the premiums collected by Guarantee Corporation, the cost of the loan was about 13%, so that small and medium-sized enterprises are deterred.

Less loans, mainly relying on their own accumulation, also made many enterprises face the current economic downturn lightly and avoid heavy capital costs to drag down enterprises. This is also a major reason why Minnan enterprises can remain relatively stable at present.

For some time, both the central government and local governments have been looking for greater help from the financial institutions to help SMEs to "go through the border".

Yang Yimin, Secretary of the Jinjiang municipal Party committee, said that in the face of the crisis, the Jinjiang government paid close attention to the problem of enterprise capital chain and introduced a series of measures in financial support.

According to reports, as of the end of October, Guarantee Corporation and small loan companies have already helped SMEs to borrow about 40000000 yuan.