Why do commercial banks lend to small and medium-sized enterprises

Reason 1: High-quality SMEs are "cautious" in lending.

In fact, bank loans to SMEs are not across the board. Those high-quality enterprises with collateral and good operating conditions are the targets of bank loans, but some enterprises with acceptable operating conditions are ungrateful: "Don't you have to pay back the loans?" Now the company has so few orders and so thin profits, and the loan will not increase the company's burden! "

Reason 2: The non-performing loan ratio is rising and the credit risk is high.

At present, it is often the "small and medium-sized enterprises" in banks-city commercial banks that are willing to make great efforts to lend to small and medium-sized enterprises. Bank of Ningbo, the only local financial stock in Zhejiang, recently released its annual report. As a typical city commercial bank, it is not difficult to find the reasons why small and medium-sized commercial banks are unwilling to lend to small and medium-sized enterprises from their annual reports.

Industry operation and economic development have their own cycles. The lower the industry is, the greater the loan risk. Banks are also enterprises. Considering their own interests, they will strictly control the credit of this industry. Metallurgical, textile, automobile, foreign trade and other industries that entered the trough under the financial crisis have naturally become the objects that banks are unwilling to lend.

Reason 3: Information asymmetry and high cost hinder it.

In addition to the external factors of the current poor economic environment, the credit system is not perfect, the guarantee system is not perfect, and the operating characteristics of small and medium-sized enterprises are not suitable for the existing credit audit standards of banks. These internal factors are obstacles that prevent banks from opening their doors to the vast number of small and medium-sized enterprises. Many bankers have said, "The same is true of corporate loans. It costs hundreds of thousands a year to be a small enterprise, and tens of millions of loans a year to be a big enterprise. The risk of large enterprises is not greater than that of small enterprises, and loan officers spend the same energy. He is of course willing to choose to be a big enterprise. "

Small and medium-sized enterprises have high risk in pre-loan evaluation and high cost in post-loan management, which not only has high pre-loan marketing and risk control, but also has high post-loan management and settlement. Before the loan, in order to find out the situation of the enterprise, the bank should be equipped with enough marketing personnel and install the loan information system for small enterprises. Because small enterprises can't cope with complicated taxes, it is common to make false accounts. After lending, banks are very strict in the write-off and accountability of non-performing loans. For banks, SME loans are a thankless job.