Quanzhou Children's Shoe Enterprises Contend For Financing Problems In The Big Market Of Children's Shoes

October 27th, 2010 is the children's industry in Quanzhou. brand New years, new, old, foreign and local brands are springing up.

According to statistics, there are 380 million children in China 1~16 years old, and each person consumes 6 pairs of shoes, which is 182 billion 400 million yuan. market Similarly, children's clothing has a market of 304 billion yuan, including schoolbags, socks and so on. The industry expects that China's children's industry has nearly 570 billion of the market. How does Quanzhou's children's industry compete for 570 billion cakes? Every business has its own account.

From now on, this newspaper launched the "Quanzhou children's Industry Report 2010", from corporate financing, channel innovation, Resources Integration, low carbon technology and other perspectives, in-depth analysis of the current situation of children's industry in Quanzhou.

At the beginning of the year, Minsheng Bank made an exception to the Quanzhou children's shoes industry for 100 million yuan, and launched a "industrial chain financing plan" for children's shoes industry. Just like the popularity of Anta and other big brands, the Quanzhou children's shoes enterprises are not interested. For children's shoes enterprises that encounter capital bottlenecks, why?

This month, using the "good dog" famous brand in Fujian as a pledge, Fujian Quanzhou Nan Qi Shoes Co., Ltd. has obtained the 15 million yuan loan amount of the ICBC, which has set a precedent for the brand loan of Quanzhou children's shoes industry. Can trademark loans become another channel for financing Quanzhou children's shoes enterprises?

Compared with big shoes, the most direct bottleneck of Quanzhou children's shoes industry is the capital problem. How to use more channels to finance enterprises is worth considering in the industry.

Industrial chain financing encountered real embarrassment

After learning that Minsheng Bank has launched the industrial chain financing plan, most of the children's shoes business owners are very happy, because this model is proved by Anta, XTEP, 361 degree and other enterprises to be "very effective in expanding terminal financing channels". However, not long after happiness, they were pulled back to the cruel reality.

Jianhua Zhu, chairman of Jinjiang Hua Kun shoes industry Co., Ltd. is one of the most interested bosses in the industry chain financing. It is reported that industrial chain financing varies from enterprise to company. The most popular version is that dealers and agents develop loans and enterprises guarantee them. "However, after careful deliberation and communication with agents, we know that it is no good." Jianhua Zhu said, "I would like to, the bank would like to, but the agent is not willing to!"

It is reported that the mode of children's shoes enterprises and foreign agents in Quanzhou is "first to pay for goods and then to pay". "The original agent took the goods first and owed the enterprise money. Now let him pay the money from the bank to the enterprise. Is it possible? Is it possible for the agency to be so silly?" Jianhua Zhu said in a word. "Besides, a good agent has several brands of children's shoes in the hands, and a little dissatisfaction with you directly ends your brand agent. This makes the enterprise very passive. At this point, if you ask them to lend money again, they will scare away half of it. "

According to Shi Minsheng, the strategic customer division of China Minsheng Bank Quanzhou branch, at the beginning of the year, Minsheng Bank made an exception for the Quanzhou children's shoe enterprise to give credit 100 million yuan, but no one has ever had any industrial chain financing. The brand appeal of children's shoes enterprises is not strong enough, and the loyalty and closeness of dealers are not enough. This is a major reason why they are unwilling to lend money. As for Anta and other big brands, the reason why industry chain financing is very popular is that their brands are mature, their channels are perfect, and their agents are loyal. They are willing to increase their capital investment in order to achieve greater returns in order to make achievements to get continuous cooperation between enterprises. {page_break}
 

Can trademark loans become a new channel?

"Trademark can also loan 15 million?" learned that Nan Qi shoe industry used "good dog" trademark to pledge for 15 million yuan loan, the children's shoes enterprise financing seemed to see another hope.

Whether the trademark pledge loan can become another channel for the financing of children's shoes enterprises? The correspondent's reply from several banks in Quanzhou is "need to be cautious".

It is reported that since September 2008, Yongchun old vinegar Co., Ltd. has been granted a loan of 1 million yuan by the "peach brook" trademark as a pledge. 14 enterprises in Quanzhou have successfully handled the pledge of trademark exclusive rights, involving a loan amount of 602 million yuan. Among them, JOYOU Building Materials Group Co., Ltd., with the well-known trademark "JOYOU" pledge, received 290 million yuan of bank loan amount. It has become the largest amount of trademark exclusive right registration loan in Fujian province.

"For banks, the premise of issuing loans for trademark rights is that the qualification of enterprises in terms of business status and credit records must be good." ICBC Quanzhou branch official said that an embarrassing situation facing the trademark pledge loan in Quanzhou is that many enterprises with high trademark value in Quanzhou have been listed, and the funds are relatively abundant. Many of them are directly able to obtain bank loans by credit, so they generally do not need the loan of trademark rights. Ordinary trademarks are difficult to obtain loans due to poor liquidity and high risk. "Trademark is not like real estate, it is difficult to make an accurate assessment, and the operation of enterprises is dynamic. In case of business embarrassment and inability to repay loans in the course of development, banks will have to consider whether they can get compensation from the intangible assets of the loan."

Another person in charge of the bank directly indicated that when the trade mark was pledged, the bank's first consideration was similar to that of other loan checks. Only when the conditions were qualified could the enterprises "add" trademark pledge loans. Even if it is not used for trademark loans, the enterprise itself can borrow the corresponding amount, and can not simply understand how much money the trademark loan is worth, which is worth the price.

The relevant person in charge of the Quanzhou industry and Commerce Bureau also said that although the mode could solve the problems such as difficulty in obtaining loans and difficulties in guaranty for enterprises with brand advantages, the performance of banks, the management policies and the quality of operators would change the value of trademarks. Banks should take a greater risk. At present, although many enterprises hope to obtain loans through trademark pledge, the enthusiasm of banks has not been high, which is still a long process in Quanzhou.

The "joint guarantee" between enterprises can be used for reference.

The reporter learned from several major banks in Quanzhou that ABC, Tutu, Yong Gao, Kasiron, camel, LAN Mao, dog, Wan Tai Sheng and most other children's shoes brands have applied for loans from banks, and the loan amount ranges from millions to hundreds of millions of yuan.

Yesterday, reporters learned from Minsheng Bank Quanzhou branch, taking into account the status of Quanzhou children's shoes industry and industry development space, decided to add additional credit lines on the basis of the original 100 million yuan, while raising the mortgage rate from the traditional six or seven to 150%. According to the disclosure, at present, many children's shoes enterprises are in the loan approval, the total amount is nearly two hundred million yuan.

"I think that in a variety of ways of loans, corporate joint loan is a better loan mode. At present, the two industries of Shishi cloth and Nanan stone do well, which is also a reference for Quanzhou children's shoes enterprises." Shi Minsheng said that the so-called corporate joint insurance loans refer to three or more than three enterprises, which voluntarily guarantee each other and jointly apply for loans to financial institutions. Through enterprise joint guarantee, enterprises choose and combine freely, one can reduce risks, the two procedures are simplified, the time flow is short, and the three interest rate is lower than traditional loans.

It is understood that, generally speaking, the enterprises must have the same economic strength and have professional assessment agencies to evaluate them. After the loan, the staff regularly understand the operation of the enterprises to ensure the safety of the loans. "At present, this mode is relatively easy to promote between upstream and downstream cooperative enterprises, and it needs a process to promote among peers." Xie Jiasheng, Secretary General of Fujian footwear industry association, suggested that children's shoes enterprises should pay more attention to cooperation while competing. For some complementary enterprises, it is possible to form joint guarantee and develop in a win-win situation.

In September 29th, the first children's products company listed on Hong Kong stock market, Dr. frog became the focus of domestic children's products, and became the envy of Quanzhou children's industry. "No doubt, listing is the highest level of corporate financing." Xie Jiasheng suggested that in view of the current situation of children's footwear enterprises' "loans focusing on developing terminals", we should make rational use of funds. Besides the terminals, we should also spend money on the "internal strength" construction, such as talent introduction and internal norms of enterprises. Only in this way can we lay a good foundation for the future listing of enterprises.