decompensationThe financial crisis on the impact of SMEs in China
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and Countermeasures
By the U.S. sub-prime crisis triggered by the financial crisis spread to all areas of the world, has not only the financial crisis, but a history of rare and strong impact on the world Economic crisis. Integration into the world economy, China has also been greatly affected, especially SMEs. Since the reform and opening up, small and medium enterpris developed rapidly, China's industrial restructuring, to ea the employment pressure, technological innovation, promoting Economic growth has played a very important role, but this time the economic crisis of the majority of SMEs have been facing crisis of survival, if you do not have a high degree of attention and to take effective measures, it may cau greater volatility in the national economy, the threat to build a harmonious society. This article will brief analysis of the financial crisis on the impact of China's small and medium enterpris and to propo measures to bail out small and medium enterpris in order to be helpful.
The financial crisis on China's enterpris, especially SMEs, is a very rious impact, resulting in a lot of SMEs are forced to cea operation or even bankruptcy.
(1) market decline in aggregate demand, sales of small and medium enterpris affected. 爱好的英文>2014河南高考作文
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The financial crisis had a direct impact on SMEs is a decline in export volume. The sub-prime crisis in the world economic recession, decline in international demand, China's SMEs, exports, reduction in export trade, which makes for a relatively high dependence on foreign markets, export-oriented small and medium enterpris in the production declines, the profit decline in the state, especially in the eastern coastal many enterpris have been cut, layoffs or even clo. There are also turning to SMEs in the domestic market, in fact, depresd foreign markets, while domestic demand is declining, due to: the impact of economic transmission mechanism, the financial crisis has led to the stock market downturn and a decline in corporate profitability, is also a corresponding reduction in income the purcha of desire is not wang. On the other hand, from the financial crisis decomposition
for the world economy creates a fear of mind to consumers, in order to take preventive measures, they try to curb government spending and reduce consumption. The have led to the difficult situation of domestic-bad small and medium enterpris, or even bankruptcy. Reduction in the face of market share, increasing competition among enterpris on the market the product even more rious oversupply of lower prices, corporate profit margins shrink, survival more difficult.
(2) The increa in cost, small and medium enterpris be further squeezed profit margins.
survive是什么意思 First of all, in recent years, raw materials and energy prices overall ro substantially higher prices for agricultural products, leading to incread production costs of SMEs; Second, the new 'Labor Contract Law' demand for workers on foot 3 business insurance, payment overtime, which is no doubt regulated employment system, and improving the income of the workers and safeguard the basic rights of workers, but on the other hand, this will also increa their labor costs and make Enterpri Management more difficult; a
gain, due to environmental degradation, governments at all levels also incread environmental management efforts to require companies waste water treatment, exhaust gas recycling purification, for non-compliance emissions, polluting enterpris to adopt a deadline for correction according to law, and other measures, which also forced the The costs for enterpris to improve the environment. At the same time as the prices of production factors, enterpris pay for the cost of land u is also increasing.
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(3) SME financing difficulties.
In recent years, SMEs widespread system is not sound Financial Management was not standardized, low mortgage guarantee agencies, Information opaque, such phenomena as lack of credit, resulting in difficulties in obtaining bank loans for SMEs, financing channels less difficult, insufficient funds, which SME Development has been troubled by a major 'bottleneck'. With the advent of the financial crisis, this issue become more prominent. In the context of world economic recession, SMEs operating difficulties, incread credit risk, banks in order to reduce the risk of their own to rai the threshold f
or lending to SMEs, lending amount is declining, which makes it more difficult for the financing of SMEs. Although countries have introduced financial institutions to increa credit support for SMEs policy, but becau of the credit market Information asymmetry caud by the 'adver lection' and the moral hazard problem would make the bank is limited enforcement of the policies. In addition, the advent of the financial crisis, the decline in aggregate demand, domestic and international markets, raw materials and energy costs, corporate profit margins narrow, with the result of internal financing capacity of small and medium enterpris also dropped significantly.
Small and medium enterpris to promote China's economic development has an important role in helping small and medium enterpris out of difficulty, the Government is duty-bound, to come from the following aspects:
First of all, to improve the financing environment for SMEs to increa policy support. Local governments can finance through the creation of a special fund to develop small business loan interest subsidy system; the establishment of SME credit risks and increas
e the compensation funds, to increa loans to SMEs financial institutions to give appropriate compensation; perfect the curity system and establish a curity risk compensation mechanism, to reduce Small cured loan interest rate, increa the amount small cured loans; got the right to make good u private capital to expand the financing channels; to strengthen and improve the rvices for SMEs, to establish and improve social rvice system for SMEs.
