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Representative of the National People's Congress, Deputy Secretary of the Party Committee, Vice Chairman and General Manager of Taikai Group Co., Ltd. Liu Xuemin submitted the "Proposal on Further Strengthening Financial Support for Private Enterprises" during the two sessions. After analyzing the difficulties of financing private enterprises, small and micro enterprises, and financing problems, and analyzing the impact of the use of bank acceptance bills on the profits of the real economy, it is recommended to cancel the acceptance bills, including bank acceptance bills and commercial acceptance bills.
However, in daily operations and related research, she found that the issue of acceptance bills has caused many small and micro enterprises to complain. The complete cancellation of acceptance bills has become the voice of many small and micro enterprises.
It is a fact that it is difficult to finance small enterprises. Because there is no collateral, it is difficult to guarantee loans. Nowadays, big companies pay almost all of their purchases. Small companies buy materials, wages, pay taxes, pay interest, etc., all in cash. In this way, there will be discounts, which will undoubtedly have less profit. How have you passed this day? Unexpectedly, the problem of paper acceptance bills has not been solved, but a more blood-sucking electronic acceptance bill has emerged in several provinces.
At present, the use of acceptance bills has increased the financial costs and risks of SMEs. “Financial enterprises can issue bank acceptance bills without the need of deposits as a support. Enterprises can discount them to banks at a cost of about 5%. The current profit margins of some enterprises are continuously lower. Some enterprises only have 1-2% profits. The necessary financing costs have taken away the meager profits earned by the company and intensified the dilemma of the company.
Acceptance drafts cannot solve the urgently needed capital needs, especially the rigid capital needs of enterprises such as paying wages, paying taxes, paying bank loan interest, and paying five insurances and one gold. They cannot use acceptance bills, and the efficiency of individual banks is low. No cash is received.
The acceptance bill increases the capital cost of the enterprise. If the acceptance of the acceptance bill is expired, it is usually one year and half a year, which leads to a longer period of capital turnover of the enterprise; and it is necessary to pay the handling fee and discount interest in advance. Some also need to pay guarantee fees to the guarantee company, which undoubtedly increases the pressure on the company!
Liu Xuemin admits that the management of paper acceptance bills is very difficult and prone to fraud and fraud. Although the country is gradually canceling the paper bank acceptance, the paper commercial acceptance bill has not been cancelled.
In response to the practical problems encountered by these enterprises in their development, Liu Xuemin proposed to cancel the acceptance bills in a comprehensive manner, including bank acceptance bills and commercial acceptance bills. Cancellation of acceptance bills can be implemented step by step, first stop the issuance of new acceptance bills, and secondly, the existing circulation of bills of exchange will not be issued until the expiration, and will be implemented step by step.
Many business owners admit that the most painful thing about electronic acceptance is blood-sucking. It is really a big blood-sucking, and it is obviously more sucking the blood of our small and micro-enterprises than paper. Since exposure to electronic acceptance, there are no more than tens of thousands of cash in hand, and I live in a cold and chilly world every day.
The state often said that it would reinvigorate the real economy and improve the plight of small and micro enterprises. However, from paper acceptance to electronic acceptance, it is more than a blood-sucking. Small and micro enterprises are more and more difficult to survive. Where is the way out?
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