LED screen network reported on July 20 that a total of 32 companies attended the mutual fund seminar held by Shenzhen LED Industry Association and Minsheng Bank. The on-site investigation found that 90% of enterprises expect to obtain funds through new loans, and 80% of enterprises plan to use loans for technology research and development; at least 70% of participating companies hope to apply for large loans of 2.5 million yuan (the same below).
The LED Small and Micro Enterprise Mutual Fund, which was established by Shenzhen LED Industry Association and China Minsheng Bank Shenzhen Branch, is the first time in the industry to provide loans to enterprises through the mutual fund model.
According to Cao Yu, Minister of the Financial Services Department of the Federation, 39 of the more than 600 member companies of the LED Federation have signed up for the symposium, and 32 companies have finally arrived. According to the size of the fund determined by the Federation and Minsheng Bank, there are at least 50 enterprises planning to set up funds, with a total fund of more than 10 million yuan, and an average of at least 200,000 yuan per company invested in the fund pool. According to the plan of the Federation and Minsheng Bank, it is hoped that the first fund will be successfully established in the third quarter of this year.
The questionnaire at the symposium showed that the plan to apply for loans accounted for 90%. A company that chooses to apply for a loan said that the amount of mutual fund loans is much higher than that of microfinance companies, and the annual interest rate within 10 is much lower than the 30 annual interest rate of small loans. According to Minsheng Bank, the proportion of corporate loans will be limited, and large loans of more than 2.5 million yuan will be controlled according to a certain percentage.
It can be seen from the data that at least 70% of enterprises have the intention to apply for large loans of more than 2.5 million yuan. Obviously, the large-scale loans of mutual funds will face a situation of arbitrage. The relevant person in charge of Minsheng Bank explained that this ratio can be adjusted according to the overall situation of the participating fund companies. For example, there are more companies with stronger strengths, and the proportion of large loans may be raised.
Among the multi-option survey questions provided, 45 companies plan to apply for loans to ease the pressure on working capital, 20 companies for transformation, 80 companies for technology research and development, and 55 companies for expanding production scale. It is not difficult to see that technology research and development has become the loan target of most enterprises.
It is understood that the fund is for a minimum of two years. The Federation and Minsheng Bank will determine the specific time for the establishment of the fund after identifying 50 companies. In order to ensure that corporate loans do not flow into the private loan sector and ensure the funds are used for the development of the LED industry, Minsheng Bank said it will strengthen the monitoring of business cash flow, and regularly visit enterprises to understand the business operations.
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