Tiny firms lack access to funding, says study

Business was steady for most micro-sized and small enterprises in 2014, but many of them found it difficult to get bank loans, according to a report co-released by Tsinghua University and CreditEase Corp on Friday.

周五，一份由清华大学和唐宁集团联合发布的报告显示，2014年大多数小型微型企业的业务趋于平稳，但多数很难从银行获取贷款。

The report was based on a survey of 1,367 micro-sized and small enterprises in 11 provinces covering different sectors.

该报告基于对11个省涉及不同行业的1367个小型微型企业的调查。

The report said that 50 percent of the respondents saw their businesses increase last year, but they faced challenges from rising costs and fierce competition.

报告说，50%的受访企业认为他们的业务去年有所上升，但他们面临着来自成本和激烈的竞争挑战。

These companies had strong financing demand, the report said, but the amounts they could raise were small: More than half of the respondents borrowed less than 100,000 yuan ($16,110). Almost 70 percent of the respondents said they needed short-term funds.

报告称，这些公司拥有较强的融资需求，但可以筹集到的资金却很少： 超过半数的受访企业融资金额不超过10万元（16110美元）。大约七成的受访企业说需要短期资金。

But 80 percent of respondents said they felt it was difficult to get loans from banks because they did not have sufficient guarantees and banks’ approval process was cumbersome, the report said.

报告称，八成受访企业认为，由于没有充分的担保，银行的审批程序也过于繁琐，他们银行获取信贷比较困难。

Although most banks avoid lending to micro-sized and small companies, a rising number of alternative financial institutions is eyeing this group of clients and offering a new range of financial services.

虽然大多数银行不愿意向微型和小型企业提供贷款，但其他可供选择的金融机构越来越多，并着眼于这部分客户群体，为他们提供新型的金融服务。

Peer-to-peer lending and wealth management company CreditEase is one such lender. It relies on big data technology to give consumers quick decisions on loans.

点对点信贷和财富管理公司康宁集团就是这样的一家借贷机构。它依赖于大数据技术，为顾客的贷款做出快速决定。

According to the report, the government should focus more on micro-sized enterprises and offer them special financing support, encourage micro-sized and small financial services organizations to innovate and promote market-oriented loan pricing.

报告称，政府应重视小型微型企业，并为他们提供特殊的金融支持，鼓励小型微型金融服务机构开创并促进以市场为导向的贷款定价。

It said about 60 percent of respondents had monthly turnover of less than 100,000 yuan.

约六成受访企业的月营业额低于10万元。

More than half of the respondents said that their companies had only been operating for less than five years.

过半数的受访企业称，他们的公司建立运行时间少于5年。

It also said that entrepreneurs involved in micro-sized and small enterprises had a strong desire to learn and were good at accepting new things, such as mobile payments.

报告还称，小微企业的业主对于学习有强烈的欲望，并善于接受像移动支付这样的新鲜事物。

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来源:英语新闻网站爱语吧作者:孙梦光