The solar energy industry encounters the bottleneck
China is that the solar energy of maximum collects the producing country of heat exchanger and uses the country in the world, but not formed a sharp solar energy industry chain. The solar energy industry has three major bottlenecks: Raw material, apparatus, technology depend on import, make industry's inadequate natural endowment; It causes the unordered competition, make the day after tomorrow lack the good development environment again that the technological threshold is overlow; And lack the encouragement policies, the traditional idea makes this kind of clean energy not have user's market, though is the most promising new energy, the investment in this trade of the bank should be prudent.
Key technological reliance inlet
The solar energy industry starts for more than 10 years in China formally, need to introduce, digest and absorb in such aspects as apparatus, craft, technology, apparatus and talent at present, most key technology, especially the silicon material nearly totally relies on import. In the whole industry chain, raw materials, technology and apparatus have already been monopolized by foreign countries, research and development and production of terminal installation can make in Chinese solar energy enterprisesed.
More than 90% of the raw materials and apparatuses are imported, more than 90%% of the products are exported, the work that enterprises need doing is to weld these silicon dices together, China has become ' the processing base of the world ' of another one. Though a dry one high-tech products, process the level in a low-grade one still, there is not difference between and the leather shoes, tie. Not possessing the key technical industry, its autogenous competitiveness must be influenced. Enter market with identity that agent process only, trade very definite at the profit, the bank is very apt to form the bad account to the loan of this trade, the credit risk undertaken should be higher than investment repayment.
The unordered competition causes the vicious circle
The solar energy manufacturing enterprise of China has been already up to more than 3000 at present, making solar electrical energy generation, generating heat products and enterprise of the banner emerge in an endless streaming. " of inferior brand and many, the market is messy " It is the portrayal of the market of solar energy at present. The yearly output of Chinese solarenergy water heater is about 5 million, among them more than 90% are various little brands. Seen from appearance of the products similar, but quality, price difference are very large. The market is not big, but the enterprises participating in competition are numerous. For survive, solar energy can only play with " price war " like electrical home appliances . Because too low those of technological threshold presumed can come in to enterprises, enterprises not in accordance with technical standard without qualification, this kind of free competition has caused today's vicious circle.
Does not make a reduction, there is not a market, there is not a customer. User no matter product quality and how it will be service at all, recognize cheap only. The solarenergy water heater is not like the ordinary electric heater, have very high expectations for technology of the apparatus, use underproof or apparatus that quality up to standard of, how long does it spend bad. But user realize this whether with low quality enterprise cause, regard as come all the intersection of solar energy and head of enterprise account this instead, hated having the solar energy from then on. The unordered competitive market can't guarantee the profits of enterprises, the often inferior products expel the quality product, upset the whole market finally, it makes profits in the whole trade unable to guarantee the bank makes the investment this trade should be prudent that the market is incomplete.
The idea backwardness is a maximum bottleneck
Restrict the intersection of solar energy and the intersection of maximum and the intersection of bottleneck and from ideas of people approval of industry development. Some building trade, out of designing physiognomic consideration, does not agree in installing the solar battery in the loft; Some users are because of the customary reason of life, it is unwilling to use the solar energy; Some users resist the solar energy because installation improperly use. It is reported, 1/3 of the housing districts do not allow owners to install the solarenergy water heater in the loft in Beijing at present, the reason influences the whole to be esthetic, or loft residents object to.
The user does not agree to enabling the sun the apparatus does not has Chinese market. Chinese industry's scale is expanded on one hand, the competitor increases gradually, on the other hand but the Chinese market can't get the expansion with the speed, so most Chinese enterprises can only seek to export and obtain profits. But the method of marching into the international market by the low-price has been obstructed quickly. Export the terminal installation of solar energy, some countries of Europe, in order to protect national enterprises in a large amount in the face of China, adopt and exercise restraint in importing the policy of the relevant products from foreign country. This enable the sun of China manufacturing enterprise undoubtedly disasters pile up on one another.
The demand for the products is insufficient, can not get the approval of the market, its market is very difficult while selling, enterprises without sale have no profit, it is very difficult for the fund invested to retract, it has determined profit, operation of enterprises directly, the whole operation of enterprises will be cut off, its debt paying ability will be serious and is influenced, it is very difficult for the loan of the bank to retract, it is apt to form the bad account.
Gold hundred million views in China
Solar energy technology is regarded as the alternative energy source of fossil fuel such as coal, crude oil, not only can reduce the discharge of pollutant, but also can reduce the consumption of the conventional source of energy, but been fallen into a fast knot by the solar energy industry of placing the great expectations as the representatives of new energy: One end does not have key technology, can only repeat the unordered competitive environment that the low-end is processed, another end lacks user's approving, dispirited consumer market, the profit rate is lower, the bank has invested a large amount of fund in this trade, the paying the debts rate is not high, the investment of the bank must be very prudent.
1,Bank dwindle the intersection of credit and scale of trade this in right time, try not long-term loan of credit granting. The short term loan of this trade is used mainly in the circulation of the daily circulating capital, the bank can consider the credit granting under the situation that he does the mortgage in full with fixed assets. The trade is used mainly in the expansion of the scale to the demand of the long-term loan, relatively risky, it is very apt to form the non-performing loans and bad accounts, advise the bank to try hard to award few letters.
2,The bank can award letter enterprises and set up own brand. The bank can participate in by shares and set up own brand with the cartel too, standardize the normal operation of the market, meanwhile increase the efforts of key technical research and development even more, will improve product quality, reduce the production cost, increase the competitiveness of the products on the market, the loan of the bank can be retrieved as scheduled, can also receive the considerable share bonus.