Explore the direct financing of small businesses

Abstract Small and medium-sized enterprises seem to be a difficult problem to solve whenever and wherever, and the increasingly tightening monetary policy is undoubtedly worse for small businesses. Under the background that indirect financing channels cannot fully meet the credit needs of small enterprises, many places are exploring through...
Whenever and wherever, small business financing seems to be a difficult problem to solve, and the current tightening monetary policy is undoubtedly worse for small businesses. Under the background that indirect financing channels can not fully meet the credit needs of small enterprises, many places are exploring ways to solve the financing problems of small enterprises through direct financing. “Small enterprise financing is a worldwide problem. The financing needs of small enterprises are endless. The bank channel alone cannot meet the financing needs of small enterprises.” A person in charge of the Monetary and Credit Department of the Qingdao Branch of the People’s Bank of China told reporters. The reporter learned from the Qingdao Central Branch of the People's Bank of China that since the beginning of this year, Qingdao has taken a number of measures to encourage financial institutions to lean more toward SMEs in terms of credit supply. “At the beginning of the year, when we formulated the credit policy, we asked financial institutions to focus on the credit funds of SMEs,” the official said. It is understood that at the beginning of this year, the Qingdao Municipal Government, the People’s Bank of China Qingdao Branch, the Qingdao Municipal Financial Office and the Qingdao Banking Regulatory Bureau have formulated assessment methods for banking institutions, requiring credit funds to lean toward small businesses and demanding small businesses. The credit increase is more than the credit increase of other industries, and the credit growth rate exceeds the growth rate of other loans. “But at present, we understand that the credit demand of small enterprises is still very strong, and credit demand cannot be met.” In the context that credit funds cannot meet the needs of small enterprises, Qingdao is currently exploring the establishment of multi-level, multi-channel small businesses. Financing system. The above-mentioned people of the People's Bank of China told reporters that an important task pushed by Qingdao is to promote small enterprises to collect bonds. Due to the low credit rating of SMEs, the current door to China's bond market is almost closed to SMEs. It is very difficult for small businesses to raise funds from the bond market. In order to fully coordinate local government resources to promote the issuance of bonds by SMEs, the central bank is now pushing the “regional pooled bond financing model” in Guangdong, Jiangsu and Shandong provinces. The model will rely on the local government authorities and the branches of the People's Bank of China to jointly select all types of local SMEs that meet the requirements. The Chinabond Corporation will jointly provide commercial banks, local guarantee companies and other intermediaries to tailor-made debt financing plans for enterprises. Provide full product line financial value-added services. “Small business credit ratings generally fall below 2A, and it is impossible to issue bonds in the bond market.” The above-mentioned people said that after the guarantees of the Chinese debt companies, the credit ratings of these companies can reach the highest level of 3A. It is understood that Chinabond Corporation is fully known as Chinabond Credit Promotion Investment Co., Ltd., which was established in 2009. Its shareholders include large state-owned enterprises such as PetroChina and Sinopec, as well as inter-bank market traders associations. The purpose of the company was to share Credit risk of SMEs. In addition to Qingdao, Jiangsu Province is also making every effort to promote the “regional pooled bond financing model”. Last month, the People's Bank of China Nanjing Branch, Jiangsu Provincial Financial Office, and Interbank Market Dealers Association signed a memorandum of cooperation on tripartite cooperation. At the same time, under this framework, the Changzhou Municipal People's Government of Jiangsu Province, the Changzhou Central Branch of the People's Bank of China, and the Chinabond Corporation signed the “Framework Agreement on Regional Collective Debt Financing Cooperation”. In addition to issuing bonds, local governments and relevant financial institutions are also exploring ways to promote direct financing of small businesses through financial innovation. A few days ago, Beijing Trust, Zhongkejin Group and Zhongguancun Guarantee Company jointly established the “Zhongguancun Technology Finance Innovation Alliance”. The 10 alliance members will provide a series of comprehensive financial services such as debt financing, equity financing, shareholding system reform, listing, merger and acquisition, wealth management, etc. for Zhongguancun Demonstration Zone enterprises through the establishment of daily information communication, joint meetings and project cooperation mechanisms. .

Flap Disc

Flap disc, commonly known as flat emery cloth wheels, emery discs, flower impellers or elastic grinding discs, are a large variety of coated abrasive conversion products, which press the cut coated abrasive sheets one by one. It is formed by sticking adhesive to the back cover plate along the circumference. The flap disc are called strong elastic grinding discs. They are made of calcined emery cloth, which uses mesh, nylon, plastic, steel paper and other materials as the base. Attached abrasive tools, evenly distributed in a fan shape to ensure the best grinding effect. The particle size is 36#-320#, 60# and 80# are the most common, and the outer diameter is 4"-7" installed on the angle grinder. Angle grinders are mainly installed on hand-held Power Tools to polish and polish welds, burrs, chamfers, surface rust removal, and surface polishing of various metal and non-metal parts.

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The flat emery cloth wheel (flap wheel) is formed by sticking multiple emery cloth sheets on the tray in a fan-shaped superimposed arrangement, and the bonding angle between each emery cloth and the tray plane is 10°-30°. The emery cloth arrangement of the utility model can make When the abrasive cloth wheel grinds and polishes the workpiece to be processed, the cutting angle is optimized to ensure that the base material of the abrasive cloth wheel and the grinding are consumed simultaneously, which obviously improves the overall wear resistance and grinding efficiency of the flat abrasive cloth wheel, and prolongs the service life of the abrasive cloth wheel. Grind the surface of metallic and non-metallic materials.

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product advantages:

Compared with the resin grinding wheel for fixed abrasives, it has the advantages of polishing and polishing at one time, shortening the operation time, saving the grinding cost, high efficiency, good heat dissipation, high grinding efficiency, reducing operator fatigue, increasing machine life, etc. It has strong elasticity, High tensile and bending strength and good grinding effect. The grinding speed is fast, the effect is good, and the noise during grinding is low. It is suitable for various industries or fields of manufacturing such as major metal parts factories and machinery factories. Good weather resistance, salt spray resistance and heat resistance, suitable for use in different regions.

Scope of application:

It is suitable for polishing of stainless steel, metal, metallurgy, automobile, wood, marble and other industries. It is especially suitable for the processing of stainless steel and can replace the resin-shaped grinding wheel. It has strong elasticity, high tensile and bending strength, good self-sharpening, high grinding rate, and low noise. It is suitable for welding seams in the box. Polishing of the edges.

There are different classifications of louvers according to different angles. The following are two common classifications:

According to the appearance: T27 VS T29

Flap disc generally have two shapes, curved and flat.

The flap disc type is also called the T27 type, and the curved type generally refers to the T29 type.

The flap disc type (T27) has a flat surface. It is mainly used to polish the flat surface and the external edges and corners. The flap disc and the workpiece are angled during work, which can complete the grinding and polishing at one time, reducing the work flow.

The curved surface of the curved louver (T29) has an upward arc, which makes the T29 flap disc have a better cutting ability on the plane. When working, the T29 type grinding wheel forms an angle of 15° to 25° with the grinding surface, which is mainly used to deal with the grinding of contours and edges. When there are higher requirements for speed and cutting ability, T29 flap disc is undoubtedly the best choice.


The related abrasive products we can supply is Flap Disc Adhesive, Bonded Abrasives , and Abrasive Machine such as Flap Disc Making Machine,Abrasive Belt Making Machine, Flap Wheel Machine , Polishing Machine ,Sanding Disc Machine, if you have any needs about abrasive tools, please kindly feel free to contact us.

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According to the type of abrasive particles: ceramic alumina VS zirconium corundum VS alumina

According to the type of abrasive selected, the flap disc can be divided into three types: ceramic alumina, zirconium corundum and alumina.

Because ceramic alumina itself has many crystals, it has good self-sharpening, relatively neat edges, good heat dissipation, and long service life. Therefore, ceramic alumina louvers are mainly used for the grinding of stainless steel, aluminum and other hard metals.

Zirconium corundum itself is a polycrystalline crystal, with fast cutting speed, good self-sharpening, and strong resistance to high pressure and high temperature. Therefore, zirconium corundum louver blades have strong cutting ability and long service life.

Alumina: single crystal, the cutting ability begins to decline at the beginning of grinding, and the abrasive grains are not easy to break, so the alumina flap disc is suitable for the processing of common metals.


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