After a long time to stop activities to prevent and control, demand for investment capital, restore production and business of enterprises rose very high. However, many companies said they do not know where to find von.0: 00/5: domain 25Nu khoBa NamKho additional Yen Hoang Thi Nhu, Director of JSC Commercial Building KPY (HCMC), including that, recently, the company asked the bank to borrow 5 10 billion payroll for employees, preparing materials and restart the project an.De loan, banks require businesses to provide level tax reports profitable within 3 years. However, 2 years, due Covid-19 should translate business losses, no tax reporting profits
. In addition, banks also require security assets must be valued and repayment commitment of enterprises. With the above requirements, enterprises can not access loans from banks, Ms Yen for biet.Trong Meanwhile, some businesses in P
HCM said time spacing, closed up debts temporarily not be required. But recently active again, the pressure on the funds very tense suppliers of input materials, all for rent, even the bank, demanding immediate payment of debts before do.DN being, the pressure on cash flow, has operations immediately in collections right (illustration) After the pandemic, the bank loans more difficult than before due to lack of collateral, losses and tighter bank when lending for fear of bad debts. Many companies do not know where the money rotate to cover, so it was difficult even more difficult. "We are gong to continue operating, but there exceeds the capacity unit can only let go", a business owner in the field of mechanical engineering at City coal tho.Cac economic experts for that, this time, support for businesses affected by the epidemic Covid to restore production are essential. As suggested by the Standing Committee of the National Assembly, the State Bank and the Ministry of Finance has scheduled a package of the interest subsidies from the state budget of about 3,000 billion, equivalent to the size of outstanding loans of up to 100,000 billions dong. Many companies are very happy and wish to support this package soon become a passion, according to Nguyen Tuan Anh, Head of the Credit Department of Economics, to date, no resolution of the National Assembly and the Government this support package, should need to wait more time nua.Dai State Bank area, said previous drawing experience, when formulating policies, the agency will take into account two important goals is to stabilize macroeconomic and inflation control. Therefore, the State Bank will coordinate with ministries and agencies to develop the script, program implementation support package
Thus, enterprises can not duoc.Muon want fast loans, companies must have revenue, profit, assets and no debt guarantee xau.Khong Moreover, concern of the experts is to How do businesses reach this support package. By law the credit institution, taking out loans, companies must have revenue, profit, assets and ensure no bad debt. Thus, the difficulties businesses are suspended operations, will be unable to meet the conditions duoc.Dieu bank lending was unchanged. Banks can not arbitrarily reduce the standard to be, want to reduce the standard to have a statute allowing them to do it. If reduced lending standards for businesses easy, for example, without collateral, while risky, can not repay, it will be handled like? Sums lost who is responsible? The most difficult is the identification of who is responsible for the problem nay.Cho ever? Economist Can Van Luc said that the need to revive and promote the role of credit guarantee funds DN at the local level. These funds need to be ready to stand surety loan businesses as some countries still do. The government should direct the local increase financial resources for the fund. At the same time, modify mechanisms problems as: regulation business must have collateral, capital preservation funds must ... From that can motivate a credit guarantee for DN.Nhung with this solution, also can not be done immediately, because it takes time to revive quy.Tinh far, there are 28 credit guarantee funds at the local level, but the majority are active lingered, perfunctorily; even, some funds do not guarantee the whole year are public enterprises. This limitation stems from inadequate policies and mechanisms as well as the resources of quy.Neu not saved, DN series will continue to leave the size of the market truong.Hien credit guarantee fund was small due many localities do not have the resources to allocate capital to the fund. Meanwhile, financial capacity, governance of funds are limited; business processes in dossier evaluation, inspection, monitoring, recovery of debts, ... incomplete. Along with that, the regulation on conditions for granting credit guarantees, especially the requirements businesses must have security assets, plus provisions on the scope and limits credit guarantee ... quite cumbersome or complicated. Therefore, the policy revision to these funds to promote the role, will certainly take no less time gian.Mot number of recommendations, should establish a guarantee fund companies now operating under the new mechanism and . Dịch vụ:
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