Credit tightening card up the corporate neck

Wang Peilin banks to tighten credit, raw material prices, small and medium enterprises capital chain suffered from double-sided attack.　　A textile entrepreneur in southern Jiangsu told the first financial daily that this is like "stuck in the neck of the enterprise". The great pressure of enterprise "inflation to the enterprise capital chain brought about by the huge pressure, now not too much attention, but very serious." Jianding, deputy governor of the Suzhou branch of Pudong FA Bank, said to the first financial daily that the price of raw materials not only eroded the profits of enterprises, but also brought great pressure to the enterprise capital chain.　　He cited, for example, cotton prices rose by one times, cotton spinning enterprises will be the corresponding increase in liquidity, enterprise pressure.　　Bank lending has tightened as companies need liquidity most. "[We] have zero credit for big companies in the near future and very limited consumer-credit classes." Small and medium-sized enterprises have a little, but not much.　　A staff member of Bank of China Nantong Branch told reporters. Long-term engaged in enterprise financing services Suzhou Rong Fat Investment consulting company General manager Zhang Yingjie told reporters, according to previous years experience, banks in the last quarter of the backlog of loans, often in the past year concentrated distribution.　　But the pace of lending is still particularly slow this year, by February. A staff member of CMBC's credit department told reporters that the credit crunch was directly reflected in two areas, first, the amount of long-term cooperation of customers, with its business development, will gradually increase the loan, but now it has shrunk; the second is the deadline, the current only one-year loans, the 35 long-term loans are almost no, enterprises rely on " Short loan long Use "method cannot maintain.　　Some enterprises do not continue to rely on private financing for a temporary transition. Under pressure to rein in the scale of credit, Jianding says, banks are now more tightly regulated.　　For example, the Bank of deposit and loan ratio to control within 75%, formerly in years of control, some of the months in the middle can be exceeded, and now into the monthly control. The "regulated" sector is most affected by tighter bank lending. "' Five small ' (small cement, small thermal power, small oil refining, small glass, small steel) basically do not borrow, with real estate related industry, also do not intend to intervene."　　"The above-mentioned Minsheng bank staff said that after the real estate regulation intensified, they are no longer optimistic about the real estate industry chain Enterprises, construction projects, building materials enterprises are no longer loans."　　Increase the risk tolerance of small and medium-sized enterprises the most difficult for SMEs to obtain bank loans, however, according to the reporter understood that the current situation appears to be slightly improved. Chinese Bank of China Nantong Branch staff said that the Bank of China is now inclined to support SMEs, one is to respond to the national call, but also because of the strong bargaining power for small and medium-sized enterprises, can have a higher rate of loans.　　Therefore, although the quota for large enterprises is zero, small and medium-sized enterprises still have some quotas. The staff of CMBC said that their risk tolerance to SMEs was more positive than before. The previous slogan, "No risk is the best development", is now replaced by "risk of income coverage" by reducing the size of a single loan and raisingInterest rate to get more profit from the SME side.　　Jianding that in the context of the credit crunch, there is a good factor for SMEs: the massive clean-up of government financing platforms since last year, squeezed out a lot of loan quotas, can flow to small and medium-sized enterprises, to compensate for the shortage of funds. "We have not yet measured, the positive factors of the financing platform and the negative factors of the credit crunch, after the total situation will be judged by feeling, should be more negative factors, SMEs next to the financial pressure will be very large." "Jianding said.