美国中小企业的借贷成本.

hoollly

正在疯狂上升中.利率下降,利息上升是当前当前的主要现象.

中小企业虽然不出名,但是是国家经济核心.

现在大企业的commercial paper市场已经接近冻结,市场上除了原由money market fund,和中央银行新资金,避险资金和大有钱人已经没有买盘.

现在中小企业的借贷成本正处于第一级上升阶段.

美国和世界经济的未来,其实并不在货币,而是由货币供应直接影响到的中小企业.

股友

hoolly个开贴的速度比我明白他的贴还快。但请尽量白话文化。

hoollly

马来西亚中小企业的危机在于,
第一,有钱人担保贷款太多.
2,公司帐很乱,吃钱现象太普遍.
3,现金流严重有问题,董事拿公司钱去买camry.
4.不懂管理,创新,和商业程序再改良,
5,没有危机意识.
6,只看到马来西亚,不懂国外发生什么事情.

hoollly

Alistair Darling to grill banks over treatment of small businesses
http://www.telegraph.co.uk/finance/yourbusiness/3225147/Alistair-Darling-to-grill-banks-over-treatment-of-small-businesses.html

"Many small and medium-size enterprises are under pressure after having overdrafts withdrawn or facing interest rates increased to more than 15 per cent in some cases."

"Under the Tory scheme, SMEs would be able to defer their VAT bills for up to six months. Any deferred tax would be charged at the usual HMRC interest rate for late payments, currently 7.5 per cent."

hoollly

英国也是在第一阶段,不过由于overdraft facility被提掉,business credit card利息暴高,其中如果在美国,一期信用卡迟还,利息即从15%去到30%.

之前,long term loan,其中以real estate为主的的long term financing已经被银行基本消灭掉,而同时机器等的long term loan的利息也由于libor和银行内部的利息调整,也大幅升高.

现在,炮火终于开向了working capital finance,也就是overdraft facility和business credit card了.

接下来,相信中招的是银行最稳健也是利润最低的业务, trade finance.

hoollly

近来新闻,本地一位华人商家呼吁银行不要雨天收伞.

但是,银行即使不是最喜欢,也一直都坚持雨天收傘的原则.

据说,近来很多企业的credit facility不是被取消,就是缩小,简单来说,没有被续约下去了.

奴家还要嘛

马达维不是去北京开会了吗，看看怎么谈把