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However, from the current situation, SMEs still face some challenges in production and operation. First, the price of energy and raw materials has increased significantly. Statistics show that the purchase price of industrial production enterprises in the first half of this year rose by 10.3% year-on-year, higher than the ex-factory price increase of industrial production enterprises in the same period. Second, labor costs have risen faster. According to estimates by relevant departments, the wage increase of SMEs in all provinces (autonomous regions and municipalities) in the first half of this year is generally between 10% and 30%. Thirdly, in the process of returning to the normal state of monetary conditions, the satisfaction of credit demand is difficult to maintain the loose state of the previous two years. The difficulty of obtaining loans for large and medium-sized enterprises will rise to varying degrees objectively. At the same time, commercial banks' risk prevention awareness and risk management and control capabilities continue to increase. SMEs with poor market prospects, more inventory backlogs, and significantly lower profits may impose stricter requirements on loan interest rates and even lending conditions. Therefore, from the national perspective, there is an imbalance in the satisfaction of SME loan demand.
Faced with many challenges, the majority of enterprises still have strong adjustment and adaptability, and the production and operation of SMEs are generally good. Some small and medium-sized enterprises have operational difficulties and shortage of funds, mainly facing cost constraints at the supply level, including raw materials, labor, resources and other cost factors. The rising cost constraint is an inevitable problem in the reform of industrial structure adjustment, labor transfer, income distribution system and resource price formation mechanism in China. Enterprises are inevitable in economic restructuring. The short-term decline in profits has also become a driving force for the transformation of these enterprises to a certain extent. Only by pushing structural adjustments as usual, gradually changing the extensive business model, and improving the level and status of enterprises in the international industrial chain, can we break through the bottleneck of cost constraints.
Despite this, it is still necessary to take multiple measures to further improve and strengthen financial services for SMEs and continuously increase financial support for SMEs. In recent years, the central bank and other financial departments have focused on improving the policies and measures to support the development of small and medium-sized enterprises, further improving and strengthening the financial services of small and medium-sized enterprises, guiding and supervising financial institutions to improve financial services in an all-round way, and ensuring the reasonable growth of loans for small and medium-sized enterprises. At the same time, the inter-bank bond market has developed rapidly, and a series of bond financing Instruments such as SME short-term financing bills and SME collection bills have been launched. As of the end of June, a total of 160 small and medium-sized enterprises (SMEs) had issued 11.667 billion yuan of non-financial corporate debt financing instruments in the inter-bank bond market, further broadening the financing channels for SMEs.
The credit information system and the construction of the SME credit system will also help to improve the financing capacity of SMEs. In May 2010, the central bank issued the “Guiding Opinions on the Construction of the SME Credit System Pilot Zoneâ€, and continued to strengthen the credit information system and the construction of the SME credit system. As of the end of June, the central bank's corporate credit information system included 17.87 million information on enterprises and other organizations, which played an important role in promoting a good financing environment for SMEs.
Financial institutions such as the central bank will effectively improve the financing environment for SMEs
According to data released by the central bank recently, as of the end of June, the balance of RMB loans of financial institutions in small and medium-sized enterprises reached 20.1 trillion yuan, a year-on-year increase of 18.2%. Among them, the balance of small business loans was 9.7 trillion yuan, a year-on-year increase of 25.9%, which was 9 percentage points higher than the average growth rate of various loans; the small business loans increased by 865.59 billion yuan. With the further increase in financial institutions' support, the credit needs of SMEs have been better met.