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对过去的一年如东县各国有商业银行和农村信用联社当年贷款升降额在100万元以上的贷款对象进行分析,发现该县“高、大、优”企业资金需求、个人小额贷款需求、风险较小的行政单位资金需求基本得到了满足,但仍有一部分企业贷款难。 一、企业贷款难的现状 1、风险大的行业贷款难。 如东县有着得天独厚的海洋资源,随着滩涂的开发,紫菜养殖业迅猛发展,依赖于紫菜养殖,从事紫菜烘干业个体私营企业成倍的增展。这些企业大多为新办股份制企业,自筹资金在用于购买价值百万元的的设备后资金告馨,企业急需资金用于收购和支付养殖期间的人工费用。按理说,这类企业的自有资金充足、所需的信贷投入量较小、周转期短,贷款应该比较容易得到满足。事实与此相反,由于紫菜养殖的风险大,如果天有不测风云,有可能造成绝收,用于还贷的资金就会随之落空。而可用于抵押的紫菜烘干设备具有专用性,它的风险与养殖的风险一样大,银行变现率低,故该设备作为抵押物不被银行所接纳。近期有十多家此类企业向银行申请贷款,除了有存单质押的企业贷款得到满足外,其余数家均未能如愿。
In the past year, all commercial banks in Rudong County and rural credit cooperatives in the year when the amount of loans in more than 1 million loan object analysis found that the county’s “high, big and excellent” corporate funding needs, personal micro-loans The demand for funds of administrative units with less risk has basically been met, but some enterprises still have difficulty in lending. First, the difficult status of corporate loans 1, the industry risky loans difficult. Rudong has a unique marine resources, with the beach development, rapid development of seaweed farming, relying on seaweed farming, dried laver engaged in the individual and private enterprises double the growth. Most of these enterprises for the new joint-stock enterprises, self-financing funds used in the purchase of millions of dollars of equipment after the report Xinxin, enterprises urgently needed funds for the acquisition and payment of aquaculture during the labor costs. It stands to reason that such enterprises have sufficient self-owned funds, small amounts of credit required, short turnaround time, and loans should be relatively easy to meet. In fact, on the contrary, due to the high risk of seaweed farming, unexpected catastrophes may cause unexpected income and the funds used for repayments will fall through. But the seaweed drying equipment that can be used for mortgage has the specialty, its risk is the same as the risk of breeding, and the bank has low realization rate. Therefore, the equipment as collateral is not accepted by the bank. Recently, more than a dozen of these enterprises applied for loans from banks. Except for the corporate loans with pledged certificates of deposit, the remaining ones failed to do so.