“当前，民营中小企业在投资和设备更新改造方面，遇到的最大问题就是资金短缺和融资难。”全国人大代表、中国民间商会副会长、安徽品冠投资集团董事局主席、合肥荣事达电子电器集团董事长潘保春表示。
潘保春认为，国家已经出台一系列支持民营经济发展的政策措施，但在实际操作中，民营中小企业贷款难问题仍然存在，尤其是中长期贷款方面，由于风险评估、担保条件等因素限制，民营企业往往很难获得足够资金支持，导致其投资、设备改造和技术升级的步伐受阻，制约企业可持续发展。
为此，潘保春建议，一是根据中小企业类型及资金用途，增加中长期贷款。针对国家重点支持的领域、产业及资金使用用途制定中长期贷款计划及放款条件。二是建立风险分担机制，加大中长期贷款支持力度。通过建立政府、银行和民营企业共同参与的风险分担机制，降低银行对民营中小企业的风险担忧，提高贷款投放意愿。同时，鼓励银行增加对民营中小企业的中长期贷款投放额度，降低贷款门槛和利率水平，简化审批流程，提高贷款发放效率。
在引导民营企业加强内部管理，完善融资担保体系方面，潘保春建议通过政策引导和培训指导等方式，帮助民营中小企业完善内部管理体系，提高其信用评级和融资能力。加强融资担保机构建设和管理，提高担保能力，为民营中小企业提供更多担保服务，降低其融资难度和成本。
“在国内外经济增速放缓的大背景下，金融机构风险偏好趋紧，对于规模小、研发投入大的初创型民营中小企业来说，融资困难上升。”潘保春表示，应鼓励银行等金融机构精准研判贷款风险自主放款，这要求企业充分说明项目发展规划和预期，鼓励银行等金融机构练好“内功”，强化对新趋势、新技术、新模式的专业学习，精准研判中长期贷款风险，通过自主放贷最大限度地满足企业对投入大、周期长、回款慢的中长期贷款需求。数字化转型网www.szhzxw.cn
潘保春还建议鼓励银行创新产品和服务提供特色中长期贷款。他提出当前不少地区和机构通过创新产品和服务，为增加民营企业中长期贷款提供了值得借鉴的方案。比如，制定融资组合服务方案帮助企业延长贷款周期、降低融资成本；加大1年以上3年以下中期流动资金贷款的投放力度等。鼓励银行等金融机构主动开发更多适用性强、支持中小民营企业发展的信贷产品，必要时为其量身定制，切实为民营企业打造核心竞争力提供有力的金融支持。
英文翻译：
“At present, the biggest problem encountered by private small and medium-sized enterprises in terms of investment and equipment renovation is the shortage of funds and financing difficulties.” Pan Baochun, deputy to the National People’s Congress, vice president of the China Civil Chamber of Commerce, chairman of the board of Anhui Panguan Investment Group and chairman of Hefei Rongzhida Electronic Appliances Group, said.数字化转型网www.szhzxw.cn
Pan Baochun believes that the state has issued a series of policy measures to support the development of the private economy, but in practice, the problem of difficult loans for private smes still exists, especially in terms of medium and long-term loans. Due to risk assessment, guarantee conditions and other factors, private enterprises are often difficult to obtain sufficient financial support, resulting in the pace of investment, equipment transformation and technology upgrading is blocked. Restrict the sustainable development of enterprises.
To this end, Pan Baochun suggested that the first is to increase medium and long-term loans according to the type of small and medium-sized enterprises and the use of funds. Formulate medium – and long-term loan plans and loan conditions for key areas, industries and uses of funds supported by the State. Second, establish a risk-sharing mechanism and increase medium – and long-term loan support. Through the establishment of a risk sharing mechanism involving the government, banks and private enterprises, banks can reduce their risk concerns about private smes and improve their willingness to lend. At the same time, banks are encouraged to increase the amount of medium – and long-term loans to private small and medium-sized enterprises, lower the loan threshold and interest rate, simplify the approval process, and improve the efficiency of loan issuance.
In terms of guiding private enterprises to strengthen internal management and improve the financing guarantee system, Pan Baochun suggested that through policy guidance and training guidance, private smes should be helped to improve their internal management system and improve their credit rating and financing ability. Strengthen the construction and management of financing guarantee institutions, improve guarantee capabilities, provide more guarantee services for private smes, and reduce their financing difficulties and costs.
“Against the backdrop of slowing economic growth at home and abroad, the risk appetite of financial institutions is tightening, and financing difficulties are rising for start-up private smes with small scale and large R&D investment.” Pan Baochun said that banks and other financial institutions should be encouraged to accurately study and judge loan risk independent lending, which requires enterprises to fully explain the project development planning and expectations, encourage banks and other financial institutions to practice “internal skills”, strengthen the professional learning of new trends, new technologies, new models, and accurately study and judge medium and long-term loan risks. Through independent lending, we can maximize the demand of enterprises for medium and long-term loans with large investment, long cycle and slow payment.
Pan also suggested that banks be encouraged to provide characteristic medium – and long-term loans with innovative products and services. He proposed that at present, many regions and institutions through innovative products and services, to increase the medium and long-term loans for private enterprises to provide a worthy of reference. For example, the development of financing portfolio service programs to help enterprises extend loan cycles and reduce financing costs; Increase the investment of medium-term working capital loans of more than 1 year and less than 3 years. Banks and other financial institutions are encouraged to take the initiative to develop more applicable credit products that support the development of small and medium-sized private enterprises, and if necessary, tailor them to effectively provide strong financial support for private enterprises to build core competitiveness.
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