 © 중소기업중앙회 |
브레이크뉴스 문홍철 기자= 중소기업들이 올 설 자금이 평균 1940만원 부족하다는 조사결과가 나왔다.
29일 중소기업중앙회에 따르면 지난 8일부터 16일까지 811개 중소기업을 대상으로 실시한 ‘2024년 중소기업 설 자금 수요조사’ 결과, 작년 설 대비 자금사정이 ‘곤란하다’는 응답이 26.6%로 ‘원활하다’는 응답(17.3%)보다 높았다. ‘작년과 다르지 않다’는 응답은 56.1%였다.
자금사정 곤란원인으로는 ‘판매·매출 부진’(65.7%)을 가장 많이 꼽았고, △원·부자재 가격 상승(52.3%) △인건비 상승(32.4%) △판매대금 회수 지연(10.2%) 등이었다.
작년 설 대비 금융기관을 통한 자금조달 여건이 ‘원활하다’라는 응답은 19.5%를 차지했고, ‘곤란하다’라는 응답(11.6%)보다 ‘작년과 다르지 않다’는 응답(68.9%)이 더 높게 나타났다.
은행에서 자금조달 시 애로사항으로는 ‘높은 대출금리’(31.3%)가 가장 많았고, △매출액 등 재무제표 위주의 심사(8.4%) △대출한도 부족(7.6%) △과도한 서류제출 요구(7.0%) 등이었다.
이완 관련, 중소기업은 올해 설 자금으로 평균 2억3890만원이 필요하다고 응답한 가운데, 필요자금 대비 부족자금은 평균 1940만원으로 나타났다.
부족한 설 자금 확보계획에 대해서는 △납품대금 조기회수(35.4%) △결제연기(30.4%) △금융기관 차입(17.7%) 순으로 응답했고, ‘대책없음’ 응답도 31.6%에 달했다.
올해 설 상여금(현금) ‘지급예정’이라고 응답한 중소기업은 41.8%로 나타났고, 아직 결정하진 못한 업체는 25.2%에 달했다.
상여금 지급 수준은 정액 지급시 1인당 평균 60만9000원으로 작년 설(40만원) 대비 20만9000원 증가했으며, 정률 지급 시 기본급의 평균 60.3%를 지급할 것이라고 답했다.
설 휴무계획에 대해서는 94.7%의 업체가 설 공휴일(2월 9~12일)에만 휴무할 것이라고 응답했고, 5.3%의 업체가 공휴일 외에 추가로 휴무하며 추가 휴무일은 평균 1.3일로 조사됏다.
추문갑 중기중앙회 경제정책본부장은 “작년에 이어 올해도 중소기업은 자금조달의 가장 큰 애로요인으로 고금리를 꼽았다. 판매·매출부진과 고금리 장기화로 금융부담이 가중된 중소기업을 위해 저금리 대환대출 활성화, 대출만기 연장 등 실질적으로 체감가능한 지원이 확대돼야 한다”며 “자금 선순환으로 중소기업과 소상공인의 경제활력이 회복될 수 있도록 정책기관과 금융권의 적극적인 관심과 지원이 필요하다”고 전했다.
break9874@naver.com
*아래는 위 기사를 '구글 번역'으로 번역한 영문 기사의 [전문]입니다. '구글번역'은 이해도 높이기를 위해 노력하고 있습니다. 영문 번역에 오류가 있을 수 있음을 전제로 합니다.<*The following is [the full text] of the English article translated by 'Google Translate'. 'Google Translate' is working hard to improve understanding. It is assumed that there may be errors in the English translation.>
Small and medium-sized businesses are in ‘difficulty’ with their financial situation this Lunar New Year.. Average shortfall of 19.4 million won
Break News Reporter Moon Hong-cheol= A survey showed that small and medium-sized businesses lack funds for the Lunar New Year on average by 19.4 million won.
According to the Korea Federation of Small and Medium Business on the 29th, as a result of the '2024 Small and Medium Business Lunar New Year Fund Demand Survey' conducted on 811 small and medium-sized businesses from the 8th to the 16th, 26.6% of respondents said their financial situation was 'difficult' compared to last year's Lunar New Year, and 'smooth'. ' was higher than the response (17.3%). The response that ‘it is no different from last year’ was 56.1%.
The most common cause of financial difficulties was ‘slow sales/revenue’ (65.7%), followed by increased prices of raw and subsidiary materials (52.3%), increased labor costs (32.4%), and delays in collecting sales proceeds (10.2%).
Compared to last year's Lunar New Year, 19.5% of respondents said that financing conditions through financial institutions were 'smooth', and more respondents (68.9%) said 'it is no different from last year' than 'difficult' (11.6%). appear.
The most common difficulties faced when raising funds from banks were ‘high loan interest rates’ (31.3%), △ examination focusing on financial statements such as sales (8.4%) △ insufficient loan limits (7.6%) △ requests to submit excessive documents (7.0%) ), etc.
Regarding relaxation, small and medium-sized businesses responded that they needed an average of 238.9 million won in funds for this year's Lunar New Year, and the average shortfall compared to the required funds was 19.4 million won.
Regarding plans to secure insufficient funds for the Lunar New Year, respondents responded in the following order: △ early collection of delivery price (35.4%) △ payment postponement (30.4%) △ borrowing from financial institutions (17.7%), while 31.6% responded that there were no measures.
41.8% of small and medium-sized businesses responded that they ‘plan to pay’ this year’s Lunar New Year bonus (cash), while 25.2% of companies responded that they had not yet decided.
The bonus payment level is an average of 609,000 won per person when paid at a flat rate, an increase of 209,000 won compared to last year's Lunar New Year (KRW 400,000), and when paid at a fixed rate, an average of 60.3% of the basic salary will be paid.
Regarding the Lunar New Year holiday plan, 94.7% of companies responded that they would only be closed on the Lunar New Year holiday (February 9-12), and 5.3% of businesses would close in addition to the holiday, with an average of 1.3 days of additional holiday.
Choo Moon-gap, head of the economic policy division of the Korea Federation of SMEs and Startups, said, “Continuing from last year, small and medium-sized businesses cited high interest rates as the biggest difficulty in raising funds this year. “For small and medium-sized businesses that are experiencing increased financial burden due to sluggish sales and sales and prolonged high interest rates, practically tangible support, such as activating low-interest refinancing loans and extending loan maturity, should be expanded,” he said. “The economic vitality of small and medium-sized businesses and small business owners can be restored through a virtuous cycle of funds.” He said, “We need active interest and support from policy agencies and the financial sector.”
