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Small And Medium Sized Shoes Enterprises Gold Chain Encountered Difficulties

2008/12/12 0:00:00 71

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Capital chain

It is the biggest difficulty that enterprises are facing at present. To small and medium-sized enterprises, they are also financing and failing to finance.

Many people in the southern Fujian business community say that the action of financial institutions will play a vital role in the survival of small and medium-sized enterprises.

Reporters in the coastal area of Fujian learned that, with the approaching of the closing time of the year, the small and medium-sized enterprises, which have been accustomed to the operation of arrears, are facing increasing pressure from the capital chain.

Financial institutions have increased support for financing, and the relevant government departments have reduced the tax burden, which has become the general voice of small and medium-sized enterprises struggling in the "cold winter".

Export oriented, outward oriented enterprises face "

Severe winter

"

As a major export country in Fujian, the declining trend of Jinjiang's export trade is increasingly obvious.

According to the statistics of Jinjiang Municipal Bureau of inspection, the export volume of the city dropped by 10.3% in the first 10 months of this year, of which the export volume to the US dropped by 12.8%, and the export batch to the EU dropped by 7.8%.

In all kinds of products, clothing has dropped by 18.7%.

footwear

Down 11.8%.

Last year, 30 of the 226 enterprises that had export performance in the year 1 to September stopped exporting and 105 suffered negative growth.

Xie Luwei, director of the Jinjiang Municipal Bureau of Commerce, said that many small and medium-sized export enterprises in Jinjiang are in an awkward situation without orders or afraid to take orders. It is very difficult to operate.

In addition, the risks faced by enterprises facing export collection are significantly increased, and importers are in arrears and even refuse to pay.

The depreciation of foreign currency, especially the depreciation of Australian dollar, ruble, euro and other currencies in the second half of the year, has frustrated some enterprises' attempts to resolve export risks through market diversification.

Wang Gengsheng, general manager of Fujian Sanli Locomotive Co., Ltd., said that since September, the euro and the pound have both depreciated by nearly 40%. In the past, the US dollar became the most stable currency, and the exchange rate risk in the non dollar market was even greater.

National improvement

Export tax rebate

A series of policies to support export enterprises have brought more hope to the difficult export enterprises. However, some enterprises have appealed for more tax rebates, cleaning up inappropriate fees and reducing the burden on enterprises.

How much tax and fee does an enterprise have to pay?

A business owner in Quanzhou who did not want to be named said that there were more than 10 collection of local taxes.

It is understood that in addition to tax related to the production and operation of enterprises, the land tax department also collects urban property tax, land use tax, personal income tax and stamp duty. In the Quanzhou area, the land tax is also charged for the maintenance of dike projects, the employment security fund for the disabled, the adjustment fund for non-staple food prices, the local educational attachment and the social security fund. Some enterprises have a tax burden exceeding 10% of the sales revenue.

Year end

Close to capital chain tight

In the Chen Dai Town, the largest sports shoes production base in China, del Hui has convened the dealers from all over the place to meet.

Why does the vice president of the company say, "now that every enterprise has managed to return the funds before the year, it is useless for the enterprise to be big anymore. Who has cash in hand?"

A dealer from Yunnan reflects that every brand new sports shoes store has been on sale for a few days, but it has not been seen in the past. Everyone is eager to return the money before the year.

For some time, the state has issued a number of policies to guide financial institutions to increase lending support to small and medium-sized enterprises. Can financial institutions play a role of "timely help" in the special period of "New Year's closing" for SMEs?

Most of the respondents said they were not optimistic.

A medium-sized garment manufacturer in Jinjiang has increased its export volume by 30% this year, but its profit has not increased.

The chairman of the company said that the profits of the export enterprises had declined sharply, but the bank's

financing

The cost has not declined, small and medium-sized enterprises.

lending rate

Generally on the basis of the benchmark interest rate to float 20% to 50%, the cost of the loan is around 10%, if the enterprise profits are low, the more loans, the greater the loss.

In the view of this business owner, we should be vigilant against the phenomenon of "banks pushing money to overtake enterprises" in the near future. Beware of some assets that are not bad enough to be pushed down by loans due to insufficient cash flow.

Business people generally believe that

Finance

Institutional Innovation

Finance

There is still plenty of room for products.

Why does it mean that "del Hui" has been listed as the top 500 brand in China by the Chinese brand laboratory. The brand of Jinjiang is quite well-known in the whole country. However, banks do not pay much attention to the value of intangible assets such as factories and equipment.

The owner of the clothing company reflects that his company's assets appraisal is over 100 million yuan, but the amount of loans that can be borrowed from banks is only tens of thousands, so it is difficult to meet the needs of enterprises.

A typical example is that a city in Fujian province has set up a Guarantee Corporation in order to alleviate the loan difficulties of small and medium-sized enterprises. However, in the past few months, less than 10 guarantees have been made.

Stakeholders told reporters that even if the loan secured by Guarantee Corporation, commercial banks still adhere to the benchmark interest rate on the basis of floating 50%, plus 3% of the premiums collected by Guarantee Corporation, the cost of the loan was about 13%, so that small and medium-sized enterprises are deterred.

Financial institution

More should be done.

Compared with other developed coastal areas, the economic sector of Southern Fujian is relatively backward in financial support, and the financing channels of enterprises are narrow. Many enterprises only deal with financial institutions after they are "famous".

Less loans, mainly relying on their own accumulation, also made many enterprises face the current economic downturn lightly and avoid heavy capital costs to drag down enterprises. This is also a major reason why Minnan enterprises can remain relatively stable at present.

According to the reporter's interview, for the growing enterprises that rely on more bank loans, the strength of bank credit support is becoming the "life and death hand" that decides the survival and survival of enterprises.

For some time, both the central government and local governments have been looking for greater help from the financial institutions to help SMEs to "go through the border".

Yang Yimin, Secretary of the Jinjiang municipal Party committee, said that in the face of the crisis, the Jinjiang government paid close attention to the problem of enterprise capital chain and introduced a series of measures in financial support.

As early as June this year, the Jinjiang municipal government invested 30 million yuan to attract 3 private enterprises to invest 69 million 990 thousand yuan, and set up a Jinjiang city Company limited by guarantee with a capital of 99 million 990 thousand yuan. In October, the first small loan company of Jinjiang, Fujian Heng Cheng small loan company, was established in October, with the registered capital of 300 million yuan. It was able to handle the loan discounting business below 10 million yuan. Jinjiang also registered a 25 million yuan in the form of venture capital guidance fund to support the establishment of Hongqiao Hongqiao venture capital company.

According to reports, as of the end of October, Guarantee Corporation and small loan companies have already helped SMEs to borrow about 40000000 yuan.

　　在全國縣域中，晉江以“品牌之都”著稱，眾多品牌無疑是價(jià)值不菲的無形資產(chǎn)，能否盤活這些無形資產(chǎn)為企業(yè)融資服務(wù)，受到了企業(yè)主的高度關(guān)注。不久前，晉江市出臺(tái)了《商標(biāo)專用權(quán)及股權(quán)貸款指導(dǎo)意見》，爭取年底區(qū)域內(nèi)所有商業(yè)銀行均有數(shù)筆商標(biāo)專用權(quán)及股權(quán)貸款發(fā)生。“如果商業(yè)銀行能解放思想，僅商標(biāo)權(quán)一項(xiàng)，就可為晉江這些發(fā)展前景看好的品牌企業(yè)帶來大筆的融資，解決當(dāng)前最為迫切的流動(dòng)資金短缺問題?！焙慰嗾f。

Editor: vivi