Private economy has no right to speak in the government-led economic structure. In the current economic structure, small and medium-sized enterprises have not received enough attention and are in a very weak position. Coupled with the impact of inflation, the cost has increased substantially, and the survival of small and medium-sized enterprises is indeed facing great difficulties. As far as corporate loans are concerned, banks themselves are financial institutions, and the first criterion for their lending is of course whether they can create economic benefits for them. As far as the risk of borrowing is concerned, as a state-owned enterprise, it is certainly easier for people with government background to borrow money.
State-owned enterprises, governments and financial institutions have formed a cycle within the system, and a large number of small and medium-sized enterprises are attached to this "system" to survive in the cracks and gray areas. Thus, it is difficult for small and medium-sized enterprises to obtain loans, because China's current economic structure is such that small and medium-sized enterprises can only survive if they are attached to those state-owned enterprises.
Small and medium-sized enterprises have always been the most dynamic organization in a country. It is not resource-based enterprises that promote social progress, but a large number of small and medium-sized enterprises that provide creativity and are at the forefront of the market. Small and medium-sized enterprises are the first to perceive social changes and customer needs, especially those enterprises with certain technical strength and broad development prospects. The development of a country depends on innovation, but this applied innovation must be led by small and medium-sized enterprises. The financial crisis has brought great challenges to China, but it is also an opportunity. China's economy must be transformed, and the consequences of lingering in the original thinking and system will be economic collapse, whether it is a soft landing or a hard landing. The development model of relying solely on hard work to lay the foundation of iron must be changed, the national income distribution model must be changed, and the economic growth model must also be changed. For small and medium-sized enterprises, in order to truly achieve a strategic breakthrough, we must do the following:
1, recognize the trend and make bold transformation.
Nowadays, whether in the Pearl River Delta or the Yangtze River Delta, the days of processing export-oriented and trade-oriented enterprises are getting harder and harder. Without core technology and independent brands, it will definitely become more and more difficult for enterprises to make money at low cost. If you don't know the situation, you can't always think about the way to make money in the past.
2. Improve the management level and have the core technology.
As a long-term development enterprise, we must have our own core technology instead of blindly copying foreign technology. We should increase investment in management and technology.
3. Small and medium-sized enterprises must have strategic planning and new thinking.
Many small businesses are busy with daily affairs every day and have no leisure to consider the long-term development of the company. Small enterprises without long-term planning can never grow up, nor can enterprises that do not understand economic transformation, management and talent training, and it is difficult to last long. Small and medium-sized enterprises must be willing to spend money on management strategic planning, management promotion, corporate culture and talent training.
Secondly, as the supervisor of the characteristic socialist market economy, the government must increase investment in education and cultivate relevant high-end technical talents. As a contemporary college student, I can clearly feel that the current higher education is backward, and the government's investment in education is far from enough. As far as our major is concerned, it has already fallen behind the development of science and technology in contemporary society. Secondly, the government should provide some subsidies to some private enterprises with good development prospects, instead of blindly monopolizing. The government should gradually reduce its intervention in some related industries.