• 廣東探索知本變資本 破解民企融資老難題

    時事 > | Time Weekly - 2018-10-16 03:26:51 來源:時代周報
  • [摘要] 自2013年起廣東稅務部門聯合29家省級銀行機構合作,將企業納稅信用與融資信用結合,讓中小企業因稅獲貸。2015-2017年,廣東累計發放貸款超過1000億元,受惠企業80%以上為小微企業。

    時代周報記者 潘展虹 發自廣州

    “銀行貸款有條‘隱形線’。”9月28日,一位民營企業家在座談會上向李克強總理抱怨道,銀行給國企貸款出風險責任輕,但給民企貸款出風險問題大,故不樂意給民營企業貸款。

    四肖期期中准天天中码CIFANBAOYUANDEBEIHOUTUXIANDESHIMINYINGQIYERONGZINAN“WANZHENG”。ZHONGGUOCAIZHENGKEXUEYANJIUYUANDUI1.28WANJIAYANGBENQIYEDEDIAOYANXIANSHI,GUOQUSANNIANGUOQIPINGJUNRONGZIECONG7.15YIYUANSHENGZHI22.54YIYUAN,MINQIPINGJUNRONGZIEZECONG5.99YIYUANJIANGZHI4.6YIYUAN。

    9YUE26RI,ZHONGGUORENMINYINXINGHUOBIZHENGCEWEIYUANHUIZHAOKAIDE2018NIANDISANJIDULIHUISHANGZHICHU,YOUHUARONGZIJIEGOUHEXINDAIJIEGOU,NULIZUODAOJINRONGDUIMINYINGQIYEDEZHICHIYUMINYINGQIYEDUIJINGJISHEHUIFAZHANDEGONGXIANXIANGSHIYING,TISHENGJINRONGFUWUSHITIJINGJINENGLI。

    JINNIAN,GEDIZHENGFUZHILIJIEJUEZHONGXIAOWEIQIYERONGZINANWENTI,DANZHIYUEYINSUSHIZHONGCUNZAI。YOUQISHICHUANGXINCHUANGYERECHAOYONGDONGXIA,ZHONGDUOGAOKEJIQINGZICHANZHONGXIAOWEISHUANGCHUANGQIYEZAIBUTONGFAZHANJIEDUANDEZIJINXUQIU,RONGZISHICHANGWEINENGTIGONGZUGOUKONGJIAN。“FAFANGTONGDENGEDUDEZHONGXIAOQIYEDAIKUANDESHIJIAN、RENLICHENGBENYUDAQIYERONGZIXIANGCHAWUJI,YINXINGPUBIANYOU‘XIDAI’XINLI。”GUANGDONGSHENGZHONGXIAOQIYEFAZHANCUJINHUIZHIXINGHUICHANGXIEHONGDUISHIDAIZHOUBAOJIZHESHUO,ZHONGXIAOQIYENANCONGCHUANTONGRONGZIQUDAORONGZI。

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    MINYINGJINGJIHUOYUEDEGUANGDONGYEZAICAIQUDUOZHONGCUOSHI,CHUTAIXILIEZHENGCEFUCHIZHONGXIAOWEIQIYERONGZIFAZHAN。JIEZHIJINNIAN6YUEDI,GUANGDONGSHENGJINRONGJIGOUWEI8.5WANHUMINQIFAFANGRONGZI6355YIYUAN,MINQIDAIKUANYUE1.4WANYIYUAN。JINQI《GUANYUCUJINMINYINGJINGJIGAOZHILIANGFAZHANDERUOGANZHENGCECUOSHI》YITIJIAOSHENGWEICHANGWEIHUISHENYI,ZHENGCECHUTAIHOUYOUWANGJINYIBUHUANJIEMINQIRONGZINANWENTI。

    渠道單一、風險和評估成本高

    四肖期期中准天天中码RONGZINANRONGZIGUIYIZHISHIZHIYUEMINYINGQIYEFAZHANDE“WANZHENG”。

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    四肖期期中准天天中码YUWUYUNTONGYANGKUNHUODEHUANYOUFOSHANSHIBOPUDATONGXINKEJIYOUXIANGONGSIZONGJINGLISUXIAOBING。ZHEJIANIANXIAOSHOUEDA5000WANYUANDEGAOXINJISHUQIYEHUODEYINXINGDAIKUAN,HUANSHIKAOSUXIAOBINGDEGERENMINGYIQUSHENQING,“CHANGFANGSHIZUDE,YUANGONG20LAIGE,CHULEZHUANLI,QIYENENGDIYAGEIYINXINGDEDONGXIBUDUO”。

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    XIANGYINXINGSHENQINGDAIKUANSHIMINYINGZHONGXIAOQIYEJIANJIERONGZIDESHOUXUAN。JINNIAN5YUE,GUANGDONGSHENGZHENGXIEZOUFANGDIAOYANXINGCHENGDE《GUANYUCUJINWOSHENGMINYINGJINGJIFAZHANDEDIAOYANBAOGAO》XIANSHI,QIYEZAIRONGZIFANGMIANZUIZHUYAOWENTISHI“RONGZIQUDAODANYI”,ZHANBIGAODA42 .2%。SHISHISHANG,YINXINGYEYIYIFAN“REQING”HUIKUITAMEN。ZHONGGUOGONGSHANGYINXINGJIAOYIYINXINGZHONGXINFUCHUCHANGQIUDANZAIZHONGBOHUISHANGTOULULEYIZUSHUJU:GONGXINGGUANGDONGFENXINGYINIANXINZENGDAIKUANGUIMOWEI400YI-500YIYUAN,QIZHONG45%-50%SHIGUIDINGBIXUTOUFANGGEIXIAOWEIQIYE。YEJIUSHISHUO,YUEYOU200YIYUANDAIKUANGUIMOSHIGEIXIAOWEIQIYE。

    四肖期期中准天天中码DANYAOXIANGDEDAODAIKUAN,MINYINGZHONGXIAOQIYEMIANQIANHUANYOUJIDAOGUANKA:JINGPINGGUGONGSITIGONGPINGGUZUEDEDIYAWU,XIAOSHOUE、SHUISHOUDENGCESUANCAIWUZHUANGKUANG,QIYEJIXIANGGUANFUZERENSHIFOUCENGCUNZAISHIXINXINGWEI,SHIFOUYOUXIANGGUANFALVJIUFENDENG。

    四肖期期中准天天中码“YINXINGGUANXINFENGXIAN,ZHUYAOYIJUJIUSHIQIYEXINYONG。”ZAIYINXINGFUZEDAIKUANGONGZUODELIUYINGGAOSUSHIDAIZHOUBAOJIZHE,SHOUDAOMINYINGZHONGXIAOQIYEDAIKUANSHENQINGSHI,JINGQISHOUQUANHOUHUANXUHUA3-5TIANSHIJIANKAIZHANJINZHIDIAOCHA,HESHICAIWUZHUANGKUANG,LEJIEZHENGXINJILU。“ZHESHILEJIEMINYINGZHONGXIAOQIYEDEGUOCHENG,DANTAMENDADUOSHUCAIWUBAOBIAOSHIBUGUIFAN,HUOSHIBEIZHONGJIEFUWUGONGSIGUODU‘BAOZHUANG’,SHIYINXINGDUICESUANQISHOURUSHIFOUNENGCHANGHUANDAIKUANDEJIEGUOCUNYI,YINGXIANGQIYEXINYONGZHI。”TASHUO,ZHESHIHENGLIANGQIYEZHENGXINYUYINXINGFENGXIANSHOUYIDEGUANJIAN,DANLIANGZHEZHIJIANXINXIBUDUICHENG,TONGYANGSHULIANGDEDAIKUAN,ZHONGXIAOQIYEZAIXINXISHOUJI、DIAOYAN、FENXI、JUECESHANGSUOXUSHIJIAN、JINGLISHIDAQIYEDESHUBEI,SUIZHIFENGXIANYESHISHUBEIZENGCHANG,DAIKUANLILVYEHUISUIZHITIGAO。

    四肖期期中准天天中码“PINGGUCHENGBENGAOYESHIMINYINGZHONGXIAOQIYERONGZINANWENTIZHIYI。”XIEHONGDUISHIDAIZHOUBAOJIZHESHUO,DANGQIANGUOJIAXINYONGTIXIMEIYOUWANCHENGJIANLI,MEIYOUGONGGONGZIYUANGONGXIANG,DUIMINYINGZHONGXIAOQIYEXINYONGPINGGUKUNNAN。JINLIANGNIAN,BUFENMINQIJINGYINGZHUANGKUANGBUSHANZHISHIYINXINGBULIANGDAIKUANZENGDUO,YINXINGYUQUJINSHEN。ERGUOQI、DAQIYEKANGFENGXIANNENGLIGAOYUMINQI、XIAOWEIQIYE,YINXINGDAIKUANZIRANPIANXIANGQIANZHE。DABUFENMINYINGQIYESHIZHONGXIAOQIYE,XUANZEJIANJIERONGZIZIRANMIANLINYINXINGXIDAIEDUJIN、CHENGBENGAODEQINGKUANG。

    ZHONGGUOCAIZHENGKEXUEYANJIUYUANDIAOYANXIANSHI,GUOYOUQIYEYIYINXINGDAIKUANHEZHAIQUANRONGZIWEIZHU,ERMINYINGQIYEZEYIYINXINGDAIKUANHEQITARONGZIWEIZHU。CONGRONGZICHENGBENLAIKAN,GUOYOUQIYETONGGUOYINXINGDAIKUAN、ZHAIQUANRONGZI、GUQUANRONGZIHEQITARONGZIFANGSHIDERONGZICHENGBENDOUDIYUMINYINGQIYE。

    廣東探索“知本”變資本

    NANYICONGCHUANTONGRONGZIQUDAODAIKUAN,WUYUNWEIYOUKAOLVQITAQUDAO。“ZHIBEN”BIANZIBENDEMOSHICHENGWEIQIXINCHANGSHI,TAXIANGFOSHANSHIZHISHICHANQUANZHIYARONGZIFENGXIANBUCHANGZIJINTICHUSHENBAO,YIZHISHICHANQUANZHIYARONGZIJIERANMEIZHIJI。

    四肖期期中准天天中码2016NIAN,FOSHANSHELISHANGSHUZIJIN,YOUSHENG、SHI、QU、ZHENSIJICAIZHENGGONGTONGJIANLIZIJINCHI,YOUFOSHANKEJIJUWEITUOGUANGDONGGUQUANJIAOYIZHONGXINYUNYING。SHANGSHUZIJINYIWEI123GEKEJIXINGQIYEXIANGMUDEZHISHICHANQUANZHIYADAIKUANTIGONGZHICHI,BANGZHUQIYELEIJIHUODEDAIKUANJINECHAO7YIYUAN。JINNIANDISANJIDUXINZENGZHISHICHANQUANZHIYARONGZIBEIANQIYE32JIA,DAIKUANJINEZENGJIAJIN2YIYUAN。

    四肖期期中准天天中码“WEIZHONGXIAOQIYETUOKUANRONGZIQUDAO,TONGSHIJIFAQIYEZHONGSHIZHISHICHANQUANYISHI,DIAODONGZIZHUCHUANGXINREQING,TIGAOKEJICHUANGXINNENGLI,JINYIBUTIGAOZIBENJIAZHI。”GUANGDONGGUQUANJIAOYIZHONGXINCHUANGXINFUWUBUFUZERENFANGGUOMINGJIESHAO。

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    CHUANGXINXINGQIYEWANGWANGSHIGEXIFENXINGYECHUANGXINLINGYUDE“QIANLIGU”,WEIQUDONGGUANGDONGCHUANGXINZHUANXINGDEZHONGYAOZUCHENGBUFEN。ZHONGBOHUIFABU《2018NIANGUANGDONGYINGSHANGHUANJINGPINGGUBAOGAO》ZHICHU,MUQIANDABUFENCHUANGXINXINGQIYECHUYUSHANGSHENGQI,ZIJINSHIHEXINTUIDONGLIZHIYI。JINNIANWOGUOCHUXIANDUOLIYINRONGZIKUNNAN“DAOXIA”HUOBEIBINGGOUDECHUANGXINXINGQIYE。100%SHOUFANGQIYERENWEI,GUANGDONGDUIRONGZIKUNNANDECHUANGXINXINGQIYEZHICHILIDURENGDAITISHENG。

    四肖期期中准天天中码GUANGDONGZHENGCAIQUDUOZHONGCUOSHI,CHUTAIYIXILIEZHENGCE,ANPAIZHUANXIANGZIJIN,FUCHIZHONGXIAOWEIQIYERONGZIFAZHAN。LIRU,LVXIANZAIQUANGUOTUPOXINGKAIZHANDE“YINSHUIHUDONG”SHIDIAN。ZI2013NIANQIGUANGDONGSHUIWUBUMENLIANHE29JIASHENGJIYINXINGJIGOUHEZUO,JIANGQIYENASHUIXINYONGYURONGZIXINYONGJIEHE,RANGZHONGXIAOQIYEYINSHUIHUODAI。2015NIANZHI2017NIAN,GUANGDONGLEIJIFAFANGDAIKUANCHAOGUO1000YIYUAN,SHOUHUIQIYE80%YISHANGWEIXIAOWEIQIYE。

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    四肖期期中准天天中码ZAOQIAN,GUANGDONGSHENGJINRONGBANHUIFUSHENGZHENGXIEWEIYUANGUANYUCHUANGXINQIYEYOUQISHIZHONGXIAOWEIQIYEDERONGZIFUWUSHITIDAO,JIEXIALAIJINYIBUWANSHANXINDAIFENGXIANFENDANHEBUCHANGJIZHI,HUANJIEXIAOWEIQIYERONGZINANRONGZIGUIWENTIDECUOSHI。BAOKUOSHELIXIAOWEIQIYEZHUANDAIJIJINHEDAICHANGBUCHANGZIJIN,WANSHANFENGXIANFENDANJIZHI;DAJIAN“ZHENGYINBAO”PINGTAI,TANSUO“ZHENGYINBAO”ZHULIZHISHICHANQUANZHIYARONGZIMOSHI,KAIFAHEWANSHANZHISHIPINGTAIJINXINGZHIWUCHUZHI,JIEJUEZHISHICHANQUANDENGJINAN、PINGGUNAN、BIANXIANNANWENTI。

    (YINGCAIFANGDUIXIANGYAOQIU,WENZHONGDEWUYUN、LIUYINGJUNWEIHUAMING)

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    QUANGUOSHUINIWANGSHUJUXIANSHI,11YUECHUQUANGUOSHUINIJIAGEZHISHUWEI153.46,YUEMOWEI163.91,HUANBIDAZHANG7.12%。JIEZHI12YUE6RI,QUANGUOSHUINIJIAGEZHISHUYIJINGSHANGZHANGZHI165.67。

    JIEZHIFAGAO,GUOJIAGUANWANGGONGSIDEZHUCEXINXIBINGWEIDUIWAIFABU。YEJIEPUBIANYUJI,GUOJIAGUANWANGGONGSIGUZHIYUJIZAI3000YI―5000YIYUANZHIJIAN。

    JIEZHI12YUE9RI,SIJIDUYIYOUBAIYUCHENGDUIFANGDICHANSHICHANGJINXINGLE154CIZHENGCEDIAOZHENG。QIZHONG,ZHENGCEZHIZHILOUSHIQIEZUIWEIYINRENZHUMUDEGONG13DI,BAOKUOSHENZHEN、FOSHAN、ZHENGZHOU、CHENGDOU、HEILONGJIANG、MAANSHAN、SHANGHAILINGANG、NANJINGDENG。

    TILIANGJUDA、WENTIYEBUSHAO,JIAOTONGYONGJI、QUEFAPEITAOCONGLAIDOUSHICHAOJIDAPANDETONGBING。DANZHEXIEWEIYUCHENGJIAODEQIANYIYUANXIAOQU,QUECHENGLEHUAICHUAIMENGXIANGTAJINDACHENGSHIDEXINYIMINZHIYESHOUXUANDI,SHUBAIWANQINGNIANDEMENGXIANGYECONGZHELIKAIHUAJIEGUO。

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