Small And Medium Enterprises In Ningbo Strive To Break Through In Crisis

It is the first time that Zhejiang merchants, who are very sensitive to international economy, have been most deeply felt.

And in Zhejiang

In Ningbo, the planned city is very important.

A few years ago, the State Council positioned Ningbo as the "southern wing economic center of the Yangtze River Delta". Now, in the Yangtze River Delta region, where Shanghai is the leader, Ningbo and Hangzhou and Nanjing are the regional central cities.

As one of the ten largest foreign trade cities in the country, there are more than 8000 import and export enterprises in Ningbo, with an export dependency of 84%.

According to the report issued by the General Administration of customs, Ningbo's comprehensive foreign trade competitiveness ranks third in the whole country.

Electronics, machinery, light industry, chemistry and many other industrial clusters, and about thirty listed companies show the integrity of the economic structure and the strong economic strength.

The world-famous "made in Ningbo" is also facing severe challenges.

Our reporter interviewed senior officials from various fields such as government officials, financial enterprises and export oriented companies through field interviews, hoping to find out the most typical samples in the areas where the financial turmoil has hit the forefront of China's economy.

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Under the leadership of Shen Gong Chan, the garment company specializing in foreign trade has become a well-known supplier with annual turnover of more than 15 million dollars and import business circle.

Now, the delivery time required by foreigners is much shorter. We have to rush out the shipment quickly. "

Shen smiled at the reporter.

He has a typical shrewd businessman appearance, but he is very active.

Shen analyzed the current situation of foreign trade to reporters. "Orders sent by foreigners are now going to be shipped in two or three months. We are increasingly demanding that we react quickly." small batch, multi style, fast delivery "has become the basic line.

Because of a series of reasons, such as exchange rate, raw materials and labor cost, the low-end textile industry is pferring to Southeast Asia, such as Bangladesh and India, where the wages of workers can be around one dollar a day, so this shift is an inevitable trend, just like when the textile industry moved to China.

"Rumors that a large number of Zhejiang spinning and weaving enterprises fail are untrue.

Industry is still a good industry. "

For these diligent and smart Zhejiang businessmen, Shen Gong can never wait for death.

It is still possible to "survive".

Jin Rong, a vice president of the Ningbo branch of a large bank in China, admitted in an interview with the Shanghai Securities Daily reporter: "by the end of the year, we must control the pace of development. Banks have their own assessment indicators. Now we are doing too much, and we will have a lot of pressure on ourselves next year.

Now is the way of thinking to decide the way out, not to say that rushing ahead can solve the problem, and now we may go all the way forward.

Chen, a founding partner of a large law firm in Ningbo, who has many years of experience in financial practice, said: "many large enterprises have a high debt ratio. Although assets scale 1 billion to 2 billion, it is still possible to go bankrupt.

The reason for the outbreak of the crisis comes from itself, such as the investment real estate has not been opened or sold.

In addition, big trading partners, if they have a problem, are also a fatal blow to them.

Once they fall, banks will have two billion debts.

In Chen FA's view, the reason why Zhejiang's private lending flourishing is that enterprises need several days of capital pition.

But nowadays, it is very difficult for enterprises to make money in pition for several days. Once a bank collectors debts, it will become a fuse for enterprises to go bankrupt.

The tension of capital chain affects the whole economic area, which will inevitably lead to bankruptcy of many enterprises that are not strong enough to resist risks.

According to the Statistics Bureau of Ningbo, in the first three quarters of the year, the main business revenue per 100 yuan was 11.3 yuan, which was 13.1% lower than that of the same period last year, and the profit per 100 yuan business realized 5.64 yuan, a decrease of 19%.

Small businesses have further narrowed their profit margins.

In the adjustment, small businesses in some industries have been hit harder, and they have shut down or closed down, and some have even closed down.

According to the Statistics Bureau of Ningbo, 3095 of the industrial enterprises below the scale of the three quarter were closed or closed down, 4262 enterprises were closed, and 4566 new construction enterprises were launched at the end of the three quarter.

According to the reporter's estimate, the top two accounts for about 40% of the enterprises below the scale.

A Ningbo court system leader told reporters that this year's sharp rise in disputes over bankruptcies caused the court system to be busy.

Yin Hong, a director of the risk management department of Ningbo branch of a large bank, said that in the past, Ningbo's joint-stock bank funds were outflowing. After this adjustment, funds were being recycled. At this time, banks were more concerned about risks. When they invested in the local market, they naturally tended to big enterprises, and the impact on SMEs was fatal.

"All banks are talking about supporting the development of small and medium-sized enterprises, and the state has also issued relevant encouraging policies. However, from the perspective of rational economic people, banks certainly support strong enterprises, and the tightening of money will surely mean SMEs, so it is normal for them to have problems first."

Jin Rong said, "for some industry chain concentration of regional industry, all banks may be similar to the risk judgment, tightening is tightening."

"In the second half of last year, the price of raw materials increased a lot, and the occupancy of funds was high. Although the bank kept the loan level last year, the market gap was obvious.

The capital market occupies a relatively high level, and enterprises need more funds to maintain the same sales volume.

When the price of products plunged, the enterprises returned to their capital and got stuck. The market confidence index plummeted and the bank loans became more prudent. In this way, a vicious circle was formed: the business efficiency decreased, the bank credit was tight, and the enterprise funds became more intense. Finally, the enterprise capital chain was broken.

Chen FA said, "large enterprises that may die, first of all, are high indebtedness, excessive investment expansion, and lots of industrial land lots. On the one hand, they have just built factories and have not produced benefits. On the other hand, capital has invested heavily in real estate. Now the real estate is out of order, and the main business also has problems in operation and profits.

The original two are interactive, walking on two legs, that is, the money earned from real estate can subsidize the industry, and the money that industry can make can do real estate, and now the two legs are no good.

But he also believes that it is dangerous for these enterprises to fall out.

"When the capital chain is tight, the big enterprises have natural advantages. The accounts can be owed to the suppliers. If they die, many suppliers will be finished, so a large number of workers will lose their jobs and cause social problems.

I advocate big enterprises have problems and best to save, because if the industry leader dies, the industry will not rise for 10 years.

Judging from Zhejiang, the recent outbreak of security and security giant Nan Wang Group bankruptcy reorganization event, Shaoxing's annual sales of 2 billion large textile enterprises Jiang long holdings and domestic PTA giant Hualian three Xin on the verge of bankruptcy, all because of involvement in real estate or excessive expansion led to capital chain rupture.

According to the Ningbo Municipal Bureau of statistics, in the first half of the year, the liabilities of 40 large conglomerates in Ningbo increased by an increase over assets, and the risk of enterprise operation increased.

By the end of June, the total liabilities of Ningbo enterprises (Group) reached 125 billion 730 million yuan, an increase of 36% over the same period last year, which is 3.4 percentage points higher than that of the same period (Group) assets. The assets and liabilities ratio of the main manufacturing enterprises (Group) is 63.8%, up 3.7 percentage points over the same period last year.

Jin Rong believes that many people who did private lending were not born in the financial industry. They often adopted a series of lending models. They might not know where their money eventually went, and a large number of lending companies were investing in them.

Theoretically, the demand for private lending market is very large. In fact, many people have already withdrawn. The higher the economic risk, the less the industry will dare to do.

In the good macroeconomic situation, despite the high interest rate, it solved the financing problem of private enterprises.

Now the whole external environment is very poor, and the cost of financing has gone up. For the enterprise, it is to kill the poison and quench thirst, but not to take it. Today, it will die, take it, only live for a month, and become the enterprise's life line.

Yin Hong said.

In October, the effect of the financial crisis showed that the asset classification should be adjusted according to the overdue 90 days. The peak period should be in the first quarter of next year.

However, another person in the banking industry has pointed out with deep concern that "for the classification problem, it depends on how the bank account is done."

At the end of 9, the non-performing loans of Ningbo joint stock commercial banks increased rapidly, the balance was 1 billion 920 million yuan, an increase of 627 million yuan compared with the beginning of the year, and the non-performing loan ratio was 1%, an increase of 0.2 percentage points over the beginning of the year.

Large banks do not