中國中小企業(yè)貸款風(fēng)險管理問題(smelendingand-預(yù)覽頁
【正文】 整套把戲常常把實際企業(yè)價值虛高報給了銀行工作人員，有時甚至是企業(yè)自身管理人員。 How does an SME in the retail trade, in marketing, in a service industry convince a bank lending officer that they have a viable business and the ability and willingness to repay a loan?從事零售貿(mào)易、市場買賣或服務(wù)業(yè)的中小企業(yè)該如何讓信貸人員相信他們的生意有望成功，相信他們有能力也愿意償還貸款？ 9 SME Barriers 中小企業(yè)自身造成的障礙 The 3 most difficult problems to overe from the SME side are:中小企業(yè)自身需要克服的最大難題有三個： ? The lack of reliable, transparent and timely financial information in the form of balance sheets, P L accounts and cash flows. In many instances the pany is indistinguishable from the owner and SMEs often make the mistake of not separating the business’s use of cash from the owner’s資產(chǎn)負(fù)債表、損益表以及現(xiàn)金流量表缺乏可靠、透明、及時的財務(wù)信息。 ? Bad reputation: The global financial crisis led in 20232023 to a great deal of difficulty for SMEs, particularly in the Pearl River Delta, where there was a string of very public bankruptcies amongst small exporters. This has damaged the credibility of SMEs in the eyes of many bankers and deterred bank lending officers countrywide from lending more to this ： 20232023年的全球金融危機給中小企業(yè)帶來了很多難題，尤其是珠江三角洲的中小企業(yè)，一連串小型出口企業(yè)公開對外宣布破產(chǎn)。如果中小企業(yè)被定義為營業(yè)額最高可達(dá)17億元人民幣的企業(yè)，銀行就大可只把資金放貸給規(guī)模最大可能也最穩(wěn)定的那些中小企業(yè)。 2. Western Banks taking stakes in Chinese banks and exchanging expertise. Commonwealth Bank has been doing this for a number of years in Jinan and Hangzhou. 西方銀行入股中資銀行并相互交流專業(yè)知識。 4. Simple systems and technology to measure cashflow and match this to the business’s sales receipts to give an accurate picture of repayment ability 開發(fā)簡明的系統(tǒng)及技術(shù)來衡量現(xiàn)金流 , 并結(jié)合企業(yè)的銷售收入準(zhǔn)確地判斷還款能力 5. “Soft Skills” – many SMEs do not have accurate financial information, so it is often useful to ask within the munity about reputation and reliability “軟實力” – 許多中小企業(yè)沒有準(zhǔn)確的財務(wù)信息，因此，在社會上獲取有關(guān)企業(yè)的聲譽和可靠性信息通常很有幫助 6. TRAINING I CANNOT STRESS ENOUGH JUST HOW IMPORTANT THIS IS AND HOW THE DELIVERY OF TRAINING CAN BE IMPROVED. 培訓(xùn) – 我已一再強調(diào)培訓(xùn)的重要性以及如何提高培訓(xùn)效率 12 END 結(jié)束 QUESTIONS 提問 13 演講完畢，謝謝觀看！
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