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Bank: is not responsible or last resortThe adverse rate to jittery banks. Corporate capital chain, if there are problems, the common practice of banks is reminders loan pumping loan-pressure loans.Enterprises, banks and uncompromisingTian Yu building capital chain began in early January this year, a problem, bonnell spring mattress, the first layer security ring is recovering loans occurred in early March, the second layer of the guarantee circle is recovering loans occurred in mid-March in order to the days Yu building mutual insurance crisis case, for example: the third layer guarantees circles recovering loans is early April."The bank now has become frightened, Ting Feng is the rain, we got in normal operations, the banks are coming out of the message, that we declared bankruptcy, and quickly chase. DEGREES & GRADUATE think, if it is the bank side of caution, this well-run Company R and then stays for six months will be able to Huanguo Lai.In the enterprise, their difficulties are mainly from banks pumping pressure loans. Pressure along the large mutual insurance the UNPROFOR network spread, causing a large area of ​​corporate capital chain crisis.In order to recover the loan, the bank is doing their utmost. "Some banks cheat enterprise, you give it, I'll lend you, and even some of the Lending Agreement have been written on the table, the enterprises how can I not believe? Results one thousand Minato Minato, also the usury borrowed money to lend him. enterprises cold heart, all companies are afraid to pay back the money the fool before going to repay. "Zhou Dewen, president of Wenzhou SME Development Association, said the" China Economic Weekly " things getting worse.Between banks and enterprises a vicious circle: the defect rate rise, banks are reluctant to loan, businesses do not want to also defect rate continues to rise. Banks play it safe attracted a lot of criticism. Zhou Dewen even believe that it is the bank without warning pumping pressure loans, accelerating the spread of the crisis of death and guarantees.Zhejiang Provincial High Court of the data showed that the apparent surge in the emergence of the crisis because the corporate guarantee chain, financial disputes, only Wenzhou example, financial disputes an increase of 209%. In many cases, the banks are in plaintiff appears.However, standing in a bank, a commercial bank Zhejiang local branch president Chen Lei point of view that the banking enterprise, the appraisal system, also have their own performing asset ratio control. "Some companies drained really a pity, but the bank can do to help.""We know that some of the boss an ass debt owed to the bank, but his personal or family dozens of sets of real estate, there are a lot of sets luxury cars, villas (villa renovation renderings) according to live, BMW remained open, even the transfer of property to foreign banks can not help it. "Public reports indicate varying degrees, most of the Paolu bosses on foot before property transfer. In a foreign country after the transfer of property the aforementioned man across the ocean to the bank propaganda Paolu business owners and their families have waited. All the mess left on domestic banks, the government, as well as mutual insurance chain enterprises. Beginning in the second half of last year, the defect rate, Chen Lei began to increase their loan terms personal assets of a legal person must also be jointly and severally liable with the enterprise.This provision, the bosses run faster. Banks and enterprises, enterprises and enterprises to give birth to different degrees of a crisis of confidence. "Zhou Dewen, this is an even greater crisis. Based on the overall consideration, the government efforts to stop the spread of the crisis.Zhejiang Provincial Government meeting, it is recommended that the crisis enterprises report "as soon as possible to establish the ad hoc group accepted help group enterprises out. Zhejiang Province People's Congress and various government departments has issued a warning, it is recommended that paid great attention to the potential risks of the enterprise funds strand breaks, and to enhance the production and operation of enterprises, capital chain, security chain risk monitoring and troubleshoot.The local governments have also set up the emergency special funds, cash flow difficulties for ease corporate lending. The problem enterprises use government money to the bank for repayment, mattress factory, the bank cashed lending commitments. The local government is trying to coordinate the relationship between banks and enterprises. However, the bank may not be listening to the Government."If the government within the region itself to our bank support, the same time, we are sure, the enterprise can save, will respect the request of the Government, not pumping credit pressure loans, but a lot of the time, this enterprise is not just the region's loans elsewhere loans, the government is difficult to do the work. "said Chen Lei, in this case, the bank said it is difficult to avoid the thing and do another phenomenon. "For example, will usually say, I grant, but the head office is not granted." The root causes of the crisis: blame excessive creditTracing the source, resulting in this situation now, Zhou Dewen, banks can not shirk its responsibility. The 2008 financial crisis, countries in order to stimulate the economy, the implementation of a loose monetary policy, the bank released a flood of loans. That time, the banks to consider is the share of the market share, so encourage corporate lending. Lack of collateral, but the majority of small and medium enterprises in order to increase the size of loans, the Bank actively contributed to the mutual insurance between enterprises and UNPROFOR, caused by the surge in enterprise mutual insurance UNPROFOR lent funds accounted. Moreover, the audit is quite loose.Wenzhou a footwear business owners in Wang Sheng Jian told the "China Economic Weekly", an annual sales income of less than 20 million enterprises, banks have told him more than 100 million in sales, to allow them to establish a mutual insurance relationship, the results, and now the other funds strand breaks run Road, the bank forcing him repayment. His own business was originally a well-run, but also lost nearly 30 million mutual insurance debt, it is likely to be in trouble. Wang Sheng Jian, mutual insurance, UNPROFOR guarantee system itself is not the main problem, the real danger is that excessive borrowing more than their ability to cause a false prosperity.The problem is particularly acute in Wenzhou, some companies, asset but four or five million, is involved in a number of banks, mutual insurance loan projects, and finally they get hundreds of millions of loans. Enterprise debt ratio is too high, not enough profit to pay interest, drained inevitable. "There are a number of enterprises through the establishment of a related company mutual insurance, the UNPROFOR cash loans. For example, last year the liabilities of over 20 billion fallen Ningbo Hi-tech Zone and 21 seven the Xin flag company and its affiliates, in ensuring the guarantee of 528 million debt associated with the corporate mutual insurance UNPROFOR accounted for 449 million yuan.The days Yu construction guarantees crisis tired Tiger Group head Yu Chenghua later reflection said: "In fact, we only know that the mutual insurance relationship with Rong thing Group, but Wing the thing Group and Jiayi Group, Jiayi Group Tian Yu building mutual insurance relationship, we do not know, do not know if these enterprises operating conditions. "Massive loan from the bank, and not all of the flow of the expanded reproduction or transformation and upgrading of enterprises, but most of the flow of speculative areas of real estate, mining, futures, and usury market more profitable. Written from the People's Bank of China, Wenzhou Branch, Wenzhou private lending market research report "shows, Wenzhou, private lending 110 billion in total plate, only 35% for business management, others are used for speculation. According to private estimates, speculative percentage may be even higher.National policy when the economic situation is reversed, suddenly turned to bank monetary tightening, companies almost overnight in trouble. In fact, the first to close down those enterprises often tired because usury or real estate. The superposition of all these factors as a mutual insurance crisis foreshadowed, Rome was not built in a day. Wang Sheng Jian kids next year will graduate from college, he decided to let the children go to the civil service exam, no longer do. He said, "the confidence of the boss is gone."