The government announced that it will once again extend three loan guarantee schemes that provide capital turnover for enterprises and individuals for six months, including 80%, 90%, and 100% guarantee schemes for SME financing guarantee schemes, and the "Interest but not Repayment" arrangement will also be corresponding Extend for 6 months.
Liu Dabang, the permanent honorary chairman of the Federation of Small and Medium Enterprises, said on a radio program this morning (22nd) that the measures are "life-saving important news" for SMEs, emphasizing that the market has only slightly recovered and the tourism-related industries are still in a period of freezing. Employers are still "tightening up the money to support the continued operation of the enterprise." It is expected that when the plan ends in half a year, some enterprises will begin to fail to support the closure of the business, which will increase the bad debt ratio.
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Liu Dabang said on the Hong Kong and Taiwan program "Millenniums" that the extension of the loan guarantee program for half a year will help small and medium-sized enterprises. He believes that the current market is only a slight recovery, and enterprises still lose money. After the plan is extended, relevant enterprises can have funds to "withstand" It can also give them time to revolve funds. If they are required to pay back the money at this stage, "it will be very hard." He also described the government's decision as "life-saving, and important news has arrived."
He also pointed out that the business of groceries, restaurants, etc. is gradually recovering, and the capital turnover is good, and they can continue to operate. However, if they are required to repay the interest and the principal, it is still very difficult, and the tourism industry or related suppliers are subject to customs closures, etc. The question is, "Employers are struggling to support tightly and squeeze the money to support the continued operation of the company." The related industries, except for cruise ships and local travel, still have zero income. I believe it will still lose money after half a year. If only interest payments can be maintained, there is no need to return the capital for the time being. Gold, the chances of closing these companies will be reduced.
If it is possible to maintain only interest repayment and no principal repayment for the time being, the chances of these companies closing down will be reduced
When asked when the principal can be returned, Liu Dabang believes that the restaurants, grocery and other industries have returned to their pre-epidemic business levels, "It hurts (in the industry) very seriously, and it seems to be profitable for the family to open up." Pay back.
As for the bad and doubtful debt ratio, he believes that companies are still paying interest and the burden is lighter, so the ratio is still low. However, the payback period will begin in 6 months. Increase accordingly.
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