In 2011, the rumors of “closing tides†were all over the sky, Wenzhou small and medium-sized hardware companies, and small and medium-sized enterprises in Guangdong, but did the collapse of small and medium-sized enterprises in the end? On the one hand, the media constantly broke the news that the small and medium-sized enterprises in Zhejiang, Guangdong, Jiangsu and other places survived and even stopped, stopped production, and closed down. On the other hand, the relevant government departments continued to clarify, and the collapse of small and medium-sized enterprises did not appear together, and the tide of closure was exaggerated. According to the experts of China International Building Hardware Exhibition at Zhongnan University of Economics and Law, no matter whether or not the bankruptcy has formed a “tidal waveâ€, the problems faced by SMEs should not be underestimated. The problems faced by the current SMEs are actually macro-control problems. The fundamental way to solve the problems lies in: carefully considering the central macro-control policies, and providing a better financial environment for the survival of SMEs while tightening monetary policy. "The relevant departments of the central government have already clarified the news of the failure of SMEs, but in my opinion, the problems faced by SMEs should not be underestimated." China International Construction Hardware Exhibition experts said in an interview with the author. A survey by the National Federation of Industry and Commerce confirmed the statement of China International Building Hardware Exhibition experts. The survey showed that more than 90% of the SMEs surveyed said they could not obtain loans from banks, and the financing status of small and micro enterprises was even more tense. Due to the tight monetary policy, the current difficulties of SMEs have surpassed the early days of the 2008 financial crisis, and the situation of SMEs will be more difficult in the second half of this year. China International Construction Hardware Exhibition experts pointed out that China is currently facing double pressure: on the one hand, inflation leads to high operating costs for SMEs; on the other hand, because the central government adopts macro-control policies and tightens monetary policy, the cost of SME loans is higher. The higher the rate, the failure of SMEs has become a common phenomenon. However, compared with 2008, the survival dilemma of this SME is different. Experts from China International Construction Hardware Exhibition said that in 2008, SMEs were mainly faced with the problem of insufficient orders. Nowadays, SMEs are faced with the problem of insufficient production factors. Due to the general lack of funds, SMEs are facing a crisis of survival. Experts from China International Construction Hardware Exhibition believe that the current problems faced by SMEs, in fact, the macro-control problems, the fundamental way out to solve the problem lies in careful consideration of the central macro-control policies, while tightening the monetary policy, providing more for the survival of SMEs. A good financial environment. For a long time, SMEs have suffered from excess liquidity and “money shortagesâ€. The crisis in 2008 has been in a crisis for three years now. People can’t help but ask whether this is a normal economic law or a strange circle. Experts at the China International Building Hardware Show said that there is indeed a cyclical economic crisis in capitalist countries, which is a phenomenon caused by the spontaneous adjustment of the market economy. However, the problems faced by China's current SMEs are not directly related to the market economy, but have a direct relationship with the government's macroeconomic regulation and control. In the academic world, there has been a debate about whether the ship is good or not, and it seems that SMEs have an absolute weight in any country. SMEs can not only solve employment problems, but also effectively support a country’s industry. The system, therefore, the government should care about SMEs. The government cares about SMEs. There are two important points: First, liberalize private finance, set up various forms of financial institutions tailored for SMEs; second, reduce tax and reduce fees for SMEs. Zhu Hongren: At present , Zhu Hongren, a member of the Party Group and the chief engineer of the Ministry of Industry and Information Technology, who is facing four major difficulties , said at a recent meeting on the work of promoting the informationization of small and medium-sized enterprises across the country that the “massruption†of some media reports now appears to be It is an exaggeration, but it must attach great importance to the new difficulties and new problems encountered by SMEs. Zhu Hongren pointed out that the main difficulties faced by SMEs at present are: first, production costs have risen too fast, raw materials have generally risen, prices of crude oil, cotton, iron ore are at a high level; labor costs have risen too fast, labor is difficult, and labor shortages It is very prominent that the wages of employees in the coastal areas such as the Yangtze River Delta and the Pearl River Delta have generally increased. The above two “costs rise too fast†squeeze the profit margin of the company. Second, the burden on enterprises is still heavier, and the fees charged by enterprises are still too high and high, and illegal and illegal fees still exist. For example, some places use the charges to ease financial difficulties. Some departments use their power to collect the interests of the department. Some grassroots law enforcement officers use the fees to obtain personal benefits. Third, since last year, in order to consolidate the results of the financial crisis, China has implemented a prudent monetary policy, which has raised the bank deposit reserve ratio for 12 consecutive times. This year, it has raised bank interest rates twice. The reduction in the scale of credit has made it more difficult for SMEs, especially small and micro enterprises, to raise financing. According to statistics, bank credit basically covers large enterprises and 80% of medium-sized enterprises, while 80% of small enterprises below the scale have no access to bank credit. A large number of small and medium-sized enterprises have solved their urgent needs through private lending, and the borrowing rate has reached 50%-100%, and the financing cost remains high. At present, China's current financial system is difficult to solve the "bottleneck" problem of small enterprises' financing channels, small scale and high cost. Fourth, most SMEs are at the low end of the traditional industrial value chain, weak in technological innovation, extensive production and operation, low equipment level, shortage of professional talents, lack of independent intellectual property rights and brands, mainly relying on “low cost, low price, low profitâ€. Participating in competition, it is difficult to digest the rising factors of operating costs in a timely manner, adapt to the realistic requirements of transforming the development mode and adjusting and optimizing the economic structure. Zhu Hongren said that the Party Central Committee and the State Council attach great importance to solving the new problems and new difficulties faced by SMEs as soon as possible. Since the first half of this year, leaders such as Wen Jiabao, Li Keqiang, Wang Qishan, and Zhang Dejiang have personally inspected and investigated. In accordance with the requirements of the leaders of the State Council, the Ministry of Industry and Information Technology also conducted special investigations with relevant departments to understand the operation of small and medium-sized enterprises in a first-line manner, investigate and analyze new situations and new problems faced by SMEs, listen to opinions and suggestions, and study relevant countermeasures. At the same time, all relevant departments have also taken active and effective measures to increase support for SMEs. The first is to increase fiscal and tax support and reduce the burden on enterprises. In 2010, the central government allocated a total of 12.35 billion yuan of special funds, an increase of 13.4%. We will focus on supporting SMEs' technological advancement, technological transformation, energy conservation and emission reduction, financing guarantees, and other projects that provide public services for SMEs. The enterprise income tax shall be halved for small and small-profit enterprises with an annual taxable income of 30,000 yuan or less. For the hard-working enterprises to pay employee social insurance, the implementation of the “five slow, four reduction, three subsidies†and other aid enterprises to stabilize the post policy, in 2010 to reduce the burden and increase subsidies of about 33 billion yuan. The second is to improve financial services and ease the financing difficulties of SMEs. In the context of a prudent monetary policy, the financial sector has increased financial services for small and medium-sized enterprises, implemented differentiated supervision of financial services for small and medium-sized enterprises, relaxed the conditions for write-off of bad and doubtful accounts for small and medium-sized enterprises, and allowed financial institutions to make loans for small and medium-sized enterprises. Pre-tax deduction for withdrawal and loan losses. Increased credit supply to SMEs that comply with national industrial policies and environmental protection policies. Vigorously promote the development of small and medium-sized financial institutions such as village banks and microfinance companies, accelerate the cultivation of credit guarantee institutions, and increase policy support for financial subsidies and tax reductions. The third is to improve the service system and improve the quality of the company. Promote the rapid development of institutions that provide services such as vocational training, management consulting, credit evaluation, entrepreneurship counseling, quality testing, and common technology research and development for SMEs. The implementation of the national small and medium enterprise Galaxy training project, township enterprises blue certificate training project, in 2010, more than 20 million workers participated in various government subsidized vocational training. The fourth is to strengthen technological innovation and accelerate structural adjustment and industrial upgrading. Vigorously implement the informationization promotion project for SMEs and the IPR strategy promotion project for SMEs. In the special funds for the development of small and medium-sized enterprises, special funds for technological transformation of small and medium-sized industrial enterprises and innovation funds for small and medium-sized enterprises, support technological progress, technological transformation and technological innovation to promote the optimization and upgrading of small and medium-sized enterprises. With the support of policies such as SMEs' international market development funds, export tax rebates, export preferential credits and export credit insurance, the scale and quality of SMEs' external exports have also been steadily improved. The fifth is to strengthen the classification guidance for small and medium-sized enterprises and increase support for small and micro enterprises. The Ministry of Statistics and the National Bureau of Statistics, the National Development and Reform Commission, and the Ministry of Finance have promulgated a new "Stipulations on the Standardization of SMEs", which makes the management of SMEs more scientific and standardized, and also increases the standards of micro-enterprises, in order to further increase The support of small and micro enterprises has laid the foundation for the support policies to be tilted towards the more vulnerable corporate groups. More than six parties actively gain business opportunities. It is understood that China International Building Hardware Exhibition is the world's second largest hardware exhibition - China International Hardware Exhibition (CIHS) special exhibition, by China Hardware Products Association, Germany Cologne International Exhibition Co., Ltd., National Industry and Commerce Lianhe Hardware & Electrical Chamber of Commerce, China Council for the Promotion of International Trade Light Industry Branch, co-sponsored by the International Federation of Hardware and Household Products Associations. This exhibition has been designated as the industry vane, and the volume of foreign trade is large, and SMEs can refer to it.