Why small and micro enterprises in Jiangsu credit decline

constantly improve the law in the moment, a lot of companies want to get long-term development, the company’s own credit is very important, but the small and micro enterprises in Jiangsu credit has continued to decline! The sound development of the local economy and transformation, both "(large enterprises) of indomitable spirit", but also "overwhelming". The latter refers to a wide range of large, contribute more than 70% of the tax and employment of small and micro enterprises, local economic and social development is the cornerstone of stability.

subject to many factors, the study of small and micro enterprises has been the lack of stable and effective data. In 2014, the Bank of Jiangsu cooperation with the Nanjing University, using a large data (data banks, loans to the public in the region corresponding to the more than 40 thousand credit enterprises) and college students around the holidays, business practice research, thus forming the credit of small and medium enterprises in Jiangsu area index and assessment report was completed in late December 2016. As one of the partners, analysts involved in some research institute.

these big data not only with the bank’s internal credit data, but also with the regional macroeconomic indicators, the industry upstream and downstream price data, transaction data, etc.. From the big data and field interviews to draw a conclusion: the results of the research in the year 2016 "score" slightly higher than the year 2015, but significantly lower than the year 2014. If you look at the ranking from the quantitative index of the total ranking related segments, and economy between Jiangsu province and 13 cities ", not a positive proportional relationship, economy is relatively less developed city of some indicators than that in developed areas.

Research Institute believes that this is because the Chinese economy is entering a new normal, further reform, economic environment and decision-making behavior has also undergone significant changes, especially increase the uncertainty in the economic activity. From the industrial point of view, excess capacity industries have been suppressed, and strategic emerging industries have been further developed, but at the same time, the growth rate of export-oriented economy is declining, a comprehensive impact on the quantitative results.

climate index overall stable

small business sentiment index using field research model, a total of 13 prefecture level cities to obtain valid questionnaires 3221. Among them, according to the current industrial structure of Jiangsu Province, the proportion of the first industrial enterprises accounted for 5.5%, the proportion of the industry accounted for 57.3%, third, 37.2%. The scale of the enterprise, small and micro enterprises accounted for 48.5%, medium-sized enterprises, micro enterprises, 40.5%, and the theme of the survey fit.

According to the

model, the 2016 annual Jiangsu SME sentiment index was 106.9, higher than 0.4 in 2015, but lower than in 2014 0.3, the overall situation in "business without obvious negative changes, in a steady state".


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