On the afternoon of February 21st,Liu Shiyu,Vice Governor of the People's Bank of China,conducted a research and discussion with the heads of small and medium-sized enterprises and banking and credit institutions in Xiangtan on how finance can support the development of county-level economy and small and medium-sized enterprises.Vice Governor Han Yongwen,President of the Wuhan Branch of the People's Bank of China Yin Xingshan,President of the Changsha Central Branch Zhou Xiaoqiang,and City Leaders Chen Sanxin and Zhou Fangliang attended the symposium.
At the symposium,leaders of small and medium-sized enterprises and banking and credit institutions spoke freely,offering suggestions and suggestions for further deepening financial reform and promoting healthy economic and financial development.
Weihong Food,Hengdun Group,and Times Garden are all small and medium-sized enterprises in our city and are in the growth stage.During the development process,enterprises have received strong support from Xiangtan Yinxin institutions,but still face problems such as insufficient working capital,insufficient loan collateral,and difficulty in increasing credit limits.Like Times Garden,enterprises mainly engage in flower and seedling planting,landscaping construction,and have the characteristics of high cost investment,long production cycle,and low short-term returns.Last year,the credit union processed a forest rights mortgage loan for the enterprise,granting a credit of 7 million yuan,solving the problem of insufficient funds.However,the credit period was only one year,and now the enterprise is facing the problem of repayment.Liu Shiyu stated that the enterprise is too small and the loan threshold is too high.He suggested exploring the path of two or several companies"bundling"loans and developing together.
Hengxin Industry and Lingtian Technology are both high-tech enterprises.Like Hengxin Industry,the coal mine underground cable and mine communication system developed and produced have high technological content,and the market is in short supply.But growing a company requires funding.The head of the enterprise hopes that the banking and credit department will lower the loan threshold for private high-tech enterprises and independent innovation enterprises,and provide key support.When Liu Shiyu learned that the company has multiple patents,he stated that current assets,accounts receivable,and patents can all be used as collateral for loans.However,patent mortgage in Hunan faces the problems of"how to evaluate patents"and"how to determine their value",making it difficult to implement.Liu Shiyu stated that further research will be conducted on this issue.
The heads of financial institutions such as Agricultural Development Bank of China Xiangtan Branch and Huarong Xiangjiang Bank Xiangtan Branch suggest that the central bank introduce policies to support county-level economy,small and medium-sized enterprises,and new rural construction;I hope that the higher-level financial department can provide county-level financial institutions with some flexible policies,such as increasing credit limits and delegating approval authority.
Han Yongwen stated that the pragmatic work style,pragmatic work attitude,and meticulous work methods of the central bank are very worthy of local learning.On behalf of the Provincial Party Committee and Government,he expressed gratitude to the People's Bank of China for its attention and support to the development of Hunan's county-level economy,small and medium-sized enterprises,and agriculture,rural areas,and farmers.Han Yongwen said that Xiangtan has great economic development potential,and many leading enterprises urgently need to accelerate their development through financial means in order to activate the local economy.But there are many ways for financial support to the economy,in addition to bank support,there are also listing financing,issuing corporate bonds,etc.We hope that relevant departments can further study and propose feasible suggestions.The province will further increase research efforts and introduce policies and measures to support local development in the context of relatively tight monetary policy.Meanwhile,Han Yongwen hopes that the central bank will give more support to agriculture,rural areas,and farmers in formulating financial policies and promoting credit development,and provide more financial support policies to agricultural provinces like Hunan.The construction of a"two oriented society"in Changsha,Zhuzhou,and Xiangtan,Hunan has the right to take the lead in deepening financial reform and exploring the introduction of financial policies.It is even more important to boldly take the lead,especially in providing credit support to leading processing enterprises mainly engaged in agricultural products.Moreover,the central region is in a critical period of accelerated development and transformation,particularly in need of financial assistance.
Liu Shiyu pointed out that Hunan is the hometown of great people,and the financial system should carry forward the spirit of"daring to teach the sun and the moon to change the sky",and dare to take risks and try in the field of financial services.The basis for daring to venture and try is not how much money one earns,but rather the service that enterprises need and the market needs.He requested that the People's Bank of China and the banking,securities,and insurance regulatory agencies in Hunan,together with the banking and credit institutions in the province,jointly study the new financial service needs that arise in local economic development,and carry out innovation on the basis of controllable risks.Liu Shiyu emphasized that all banking institutions should liberate their minds and fulfill their social responsibilities while serving large enterprises.Bank of China,Industrial and Commercial Bank of China,China Construction Bank,and Bank of Communications not only position themselves in marketization,commercialization,and urbanization,but also shoulder the responsibility of developing people's livelihoods,including supporting employment,entrepreneurship,education assistance,and agricultural water conservancy construction.
