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根据中国人民银行《关于金融支持制造强国建设的指导意见》的精神,人民银行银川中心支行对宁夏地区具有代表性的制造业企业进行了调研走访,主要涉及羊绒服装及纤维业和机械设备制造业。调研发现,宁夏制造业企业现阶段面临的主要金融困难是资金的供给不足和“融资贵”问题;企业的现实金融需求较旺盛,但是受融资渠道单一、抵质押率偏低、融资贵、贷款期限短、续贷难等因素制约,企业技改升级、扩大生产的进程较慢,目前的金融供给与制造业的金融需求之间存在缺口。
According to the PBC’s Guiding Opinion on Building a Powerful Country by Financial Support, the People’s Bank of China Yinchuan Central Branch visited and surveyed representative manufacturing enterprises in Ningxia, mainly covering the manufacturing of cashmere clothing and fiber industry and machinery and equipment . The survey found that the major financial difficulties faced by the manufacturing enterprises in Ningxia at this stage are the insufficient supply of funds and the problem of “expensive financing”; the real financial needs of enterprises are rather strong; however, due to the single financing channel, the low pledge rate and the high financing cost , The short term of the loan, the difficulty of renewing loans and other factors. The technological upgrading of enterprises and the process of expanding production are slow. There is a gap between the current financial supply and the financial demand of the manufacturing industry.