Business card: Lu Qi, member of the Quanzhou Municipal Committee of the 13th CPPCC, president of Dadi Group, founder of Fujian Central Sports
“Commercial Bank The system should remove the label of overcapacity in the textile and apparel industry and help enterprises transform and upgrade through refined assistance and point-to-point services.” During the two sessions in Quanzhou, Lu Qi, member of the Quanzhou CPPCC and president of Dadi Group, said. As an outstanding entrepreneur in the textile and apparel industry, Lu Qi brought the proposal “Recommendations on Removing the Overcapacity Label of the Textile and Apparel Industry in the Commercial Banking System to Ease Financing Problems of Private Enterprises” to provide suggestions for solving the industry’s pain points.
In recent years, domestic traditional enterprises, especially textile and garment enterprises, have been struggling. The Quanzhou economy, represented by the private economy, is also facing huge challenges. Textile, shoe and hat companies have suffered an unprecedented blow, and many well-known companies have been shuffled out of business.
“A very important reason for this is that the textile and apparel industry they are in has been labeled as overcapacity and is defined as a sunset industry, so banks have Ratings were downgraded and loans were suppressed and loans were collected, which eventually led to the interruption of corporate funds.” Lu Qi analyzed that for Jinjiang and Shishi areas where the textile and garment industry is the main industry, some financial institutions have adopted the policy of “repaying loans whenever they can, and exempting them from liability due to due diligence”. “” working principle has triggered a domino effect of serial loan collection, doubling the financing pressure of many private enterprises, causing a fatal blow to the entire industry. Therefore, the reform of the financial industry still remains an important task. He suggested that the government should pay attention to the survival rate of enterprises, especially provide targeted assistance to enterprises that have survived for more than 30 years, especially in terms of financial support, and can adopt “one enterprise, one policy” to help enterprises overcome obstacles.
Premier Li Keqiang has repeatedly stated in government work reports that efforts should be made to alleviate the problem of difficult and expensive financing for enterprises, and to guide financial institutions to expand credit and reduce loan costs. , accurately and effectively support the real economy, prevent funds from being idle or diverting funds from real funds to virtual funds, and clean up and standardize bank and intermediary service charges.
In this regard, Lu Qi suggested that we should adhere to the principles of marketization and rule of law to provide financial services to private enterprises. It is necessary to not only solve the problem of “unafraid to lend” and “unwilling to lend”, but also prevent the phenomenon of “forcing loans” and “insisting on loans”. Mandatory and “one size fits all” measures should be minimized, the independent operating rights of micro market entities should be respected, the credit environment should be improved, and the relationship between banks and enterprises should be improved.
“After the turmoil in recent years, companies that fabricated their performance and obtained loans through improper means have generally been in trouble, while companies that have truly survived have Most of them have strong operating capabilities and strength, and are truly high-quality enterprises. Bank credit institutions must provide relatively loose financing assistance based on understanding the company’s operating conditions and financing needs. At the same time, bank credit institutions must adhere to commercial viability. We should adhere to the principle of sustainability, explore long-term mechanisms, and improve services to private enterprises by optimizing processes and innovating products,” Lu Qi said. He also suggested that the efficiency of loan approval and disbursement should be improved. Facing the unfavorable situation of continued deterioration of the credit environment and frequent occurrence of credit risks, commercial banks should continue to strengthen risk management and control, reduce risks and losses, and at the same time optimize the management of loans to private enterprises, by approving loan renewals in advance and establishing cycle Measures such as loans and the implementation of an annual review system will reduce corporate high-interest “bridge” financing. Commercial banks are encouraged to carry out loan renewal business based on risk assessment, directly provide rolling financing to enterprises that meet the standards, optimize loan review procedures, and shorten loan review time.
Lv Qi also suggested that loan interest rates and asset pledge rates should be reasonably determined. He believes that raising loan interest rates increases interest expenses, and lowering mortgage rates reduces loan amounts, which ultimately increases the financing costs of enterprises. On the surface, the upward and downward adjustment of loan interest rates and mortgage rates is a market behavior, but because finance carries the functions of economic development regulation such as financing and resource allocation, relevant departments should issue guidance on the estimation of loan interest rates and mortgage rates to guide business Banks will reasonably lower loan interest rates for high-quality enterprises and reasonably determine the normal mortgage and pledge ratio of corporate assets.
In addition, he believes that more efforts should be made to clean up and rectify unreasonable financial service charges. The government should urge commercial banks to cancel unreasonable charging items and reduce excessive charging standards. It is strictly prohibited to “convert loans to deposits”, “link deposits and loans” and other behaviors that increase interest rates in a disguised manner and increase the burden on enterprises. This will stir up a pool of spring water, stimulate the development vitality of private enterprises, and promote the local real economy to climb too fast and continue to move forward steadily.