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According to the Ministry of Commerce statistics show that as of the end of 2010, there were 4433 pawn industry enterprises, registered capital of 58 billion 400 million yuan. Compared with the "eleven five" period, the number of enterprises increased by 2.3 times, the total registered capital increased by 5.1 times.
Last year, only Nanjing, the small and medium-sized enterprise is from pawn loans of more than 40 billion yuan, accounting for total number of pawn lending is 70% to 80% due has not alleviate the degree of difficulty of financing, a ancient financing pawn, entered the small and micro business owners of the line of sight. Compared with bank loans, mortgage financing high cost, small loans, but also bank loans pawn incomparable advantages.
First, credit threshold low. With the bank to the borrower's credit review relatively harsh requirements compared to pawn of customer credit requirements relatively relaxed many, pawn on pawning items is legitimate, if genuine, which the credit status of exist problems of small and medium enterprises is very convenient.
Secondly, the pledge of the low starting point, a wide range of goods. The starting point of pawn pawn goods, goods thousand yuan, 100 yuan can pawn financing. Pawn pledge a wide range, dynamic property and immovable property can be used as arrived pledge, small and medium-sized enterprises can will be idle equipment and other products to pawn, birthing into money to live, enterprise resources are fully utilized.
Again, the procedure is simple and fast. With complicated loan procedures, approval cycle looks ratio, pawn loans procedures are very simple, mostly Lidengkequ, even real estate mortgage, bank than to many convenient.
SMEs often temporary or acute financing needs, generally with a small amount of loans, urgent financial needs and demand frequency high, compared to pawn financing can meet the demand of small and medium-sized enterprises. Fourth, the use of the loans is not restricted. Customer borrowing from banks, loan applications can not go beyond the scope of the designated bank. And the pawn is intervention the use of loans, business loans, the usage is very free. The cycle, greatly improve the utilization of funds. Fifth, the current flexible. Bank loans are generally long duration, and the pawn period is usually short, more flexible. Therefore, the pawn can well meet the needs of small and medium enterprises on short-term funds, reduce unnecessary interest expense, reduce the cost of financing.
Passed pawn line to obtain funds is relatively simple and convenient, but the cost is quite amazing, for example, the current Jinan part of the pawn, the rate of overall is about 2.4%, this calculation, 10 million yuan loan amount per month at least 2400 yuan of cost, the cost of financing is not all in small enterprises can afford. Therefore, some long-term assets for investment and speculative demand for funds not through the pawn financing. For example, some small and medium enterprises eager to start or expand, want to use the money to buy land, pawn building, purchase of equipment, is not appropriate to do so.
The company law Xiaobian personal opinions:
Through to pawn financing, this new way of financing still exists risks. Relevant experts personage thinks, although can not ignore the pawn line to solve the financing of small and medium enterprises, but this only as a contingency nature of short-term financing service should not be used as a normalization of the financing.
Finance now the biggest problem is that small and medium-sized enterprises in China's economic development, there is no analysis of the restricting factors, can also be attributed as the external environment factors and the small and medium-sized enterprise own factor, analysis of constraints is prerequisite way to solve the problem.
In the face of problems encountered in financing, there are temporary solutions
Because of the small and medium-sized enterprise's own characteristics, the problems of solvency is weak, financing small scale, financial regulatory differences, the lack of perfect corporate governance mechanism, small and medium-sized enterprises generally weak ability to resist risks. Therefore, the general lack of financial services solutions related to large financial institutions, mainly because the bank for risk control, set up complex risk control procedures, finally realize the income is generally low. The financing for small and medium enterprises are generally to obtain the needs of enterprise development funds through underground banks, private equity funds, security companies, investment companies and other.
China advocates the comprehensive utilization of government funding, technology loans, capital market, venture investment, issuing bonds and other means to strengthen the financial support for small and medium enterprises. There has not yet established perfect SME financing market.
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