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    Banks Are Cautious About Lending &Nbsp; Small And Medium-Sized Shoe And Clothing Enterprises Are Facing A Crisis Of Closure.

    2011/6/6 9:53:00 58

    Bank Lending And Footwear Enterprises

      

    Ministry of industry and information technology

    The report believes that the central bank's monetary policy is effective.

    Liquidity inhibition

    The surplus also increased the pressure on enterprise funds, and the difficulty for small businesses to get bank loans increased.

    Mao Min reluctantly said that because of the reluctance of banks to provide credit to SMEs, many local SMEs went bankrupt overnight.


    The Ministry of industry and Commerce released yesterday "China's industrial economic operation in 2011".

    Spring Report

    "Pointed out that from the first 4 months of this year, China's financial environment is generally tight, and the financing difficulties of SMEs are more prominent.

    While the central bank's monetary policy is effective in restraining excess liquidity, it also increases the pressure on enterprise funds, and it is more difficult for small businesses to obtain bank loans.

    This year, the central bank raised interest rates two times to raise the financing cost of enterprises. At present, the comprehensive cost of obtaining loans from banks is at least over 13%, far higher than the one year period.

    loan

    Benchmark interest rate.


    The report recommends that enterprises should further optimize their development environment and increase support for small and medium-sized enterprises.

    We will continue to implement the financial policies supporting the development of small and medium-sized enterprises and the cooperation agreements signed by the Ministry of industry and the Ministry of Commerce and the four major commercial banks for SME credit support, so as to strengthen and improve financial services for SMEs.

    Supporting small and medium enterprises to strengthen technological pformation and technology

    innovate

    We should strengthen the service system construction of small and medium-sized enterprises, encourage and guide the development of small and medium-sized enterprises, and take the road of "specialized and special new" development.


    Small and medium-sized enterprises in Jiangsu, Zhejiang, Guangdong and Fujian have been closed down in the face of "money shortage".


    Since the summer, SMEs in Jiangsu, Zhejiang, Guangdong and Fujian have had the feeling of "going through the winter".

    On the one hand, the central bank has raised the deposit reserve rate for the 8 time since last year, resulting in "bad money" for banks. On the other hand, because of the difficulties in loans, small and medium-sized enterprises are becoming more and more nervous.

    Under the squeeze of the central bank's tight money and labor costs, and the shrinking of European and American markets, small and medium-sized export oriented enterprises have been closed down.


    Phenomenon 1 Jiangsu banks are bad money.


    Jiangsu province Zhenjiang City Zhen Yang electronic components factory is a private enterprise, its factory director Mao Min told reporters recently that there were more than 30 workers in the factory earlier this year, and now there are less than 10 people left.

    Even so, because of the inability to obtain loans from banks, factory funds can not be turned around, and no wages have been paid.


    Mao Min said that because of the tight monetary policy of the central bank, the private lending market in Jiangsu and Zhejiang provinces has been active this year.

    Loans from private lending companies only need to be mortgaged with real estate, but the interest rate is very high. The short-term loans are monthly 4-8% or even 15%.


    Mao Min reluctantly said that because of the reluctance of banks to provide credit to SMEs, many local SMEs went bankrupt overnight.


    "Beat the board on the bank, and the bank has to complain.

    Because the reserve ratio has been raised again and again, banks are also poor.

    This is determined by the environment. "

    Mao Min's son, Mao Zhen, who works in the Zhenjiang branch of CCB, argues.


    Phenomenon 2 Zhejiang is harder than 2008.


    Under the tight monetary policy, the small and medium-sized enterprises in the Yangtze River Delta generally have "money shortage", so that a large number of enterprises are in a state of shutdown and semi shutdown.

    Wenzhou, a small city famous for its small commodities, has also seen a small number of small and medium-sized enterprises close up and go bankrupt because of the lack of loans in Zhejiang.


    Wenzhou economic and Trade Commission monitoring data show that in the first 3 months of this year, the sales value of 35 export oriented enterprises such as glasses, lighters, pens, locks and so on decreased by 7% compared with the same period last year, and the profit dropped 30% compared to the same period last year.

    At the same time, the order amount of these enterprises has been decreasing, and the average amount of single orders is 16.7% lower than that of the same period last year.

    These enterprises accounted for more than 25% of the losses, and only 3 of them maintained profits growth. However, the average profit margin of the industry was only 3.1%, with less than 10 profit margins exceeding 5%.

    "It's harder than 2008."

    Cai Zhangsheng, director of the office of Zhejiang SME Bureau, said.


    Phenomenon 3 Guangdong garment factory orders sharp decline


    There are five hundred or six hundred workers in a clothing factory in Xintang Town, Zengcheng, Guangzhou. They specializes in OEM brand children's wear denim clothing. 1/3's orders are domestic sales, and 2/3 is from Europe. After that, the factory shipped 22-25 units per month, but orders were reduced by more than half since March of this year.

    Recently, many small garment factories have been closed down in Xintang.


    The three township Bao Bao plastic products factory located in Zhongshan is a factory specializing in providing shoes for large shoe factories. Guo Zhenhua, owner of the factory, said recently that the whole shoe industry has entered "cold winter". Over the past year, the total production cost of shoes has increased by 30-40%, which makes the price of shoe factories in China generally high, causing many foreign businessmen to pfer orders to other countries such as Vietnam.


    Guo Zhenhua said that the Guangdong side mainly produces high-end shoes. Since October last year, orders have shrunk by 30%. Jinjiang, Fujian, mainly produces low-end shoes, which have been hit harder. The situation there is worse than before the financial crisis. There are no orders, workers are scattered, and many factories are closed.


    The closure of Wenzhou's three private enterprises is not related to "shortage of money".


    Wenzhou, Zhejiang, which is known as a private capital vane, has recently been closed down by 3 small and medium-sized private enterprises, triggering social concerns.

    Some people believe that the 3 small and medium-sized private enterprises closed with the "money shortage".

    But Xinhua News Agency reporters learned that this is not the case.


    "The failure of these 3 enterprises is mainly due to their own reasons."

    Zhou Qingming, chief supervisor of Wenzhou banking regulatory bureau, said.

    Portman coffee company's decision making mistakes and too long front line lead to the breakup of capital chain; the three flag group has run away because of blind cross industry operation, malicious guarantee of many enterprises, and loan fraud to banks.


    Compared with the above two companies, poor management strategy led to the problem of capital supply. The closure of Zhejiang Jiangnan leather company has nothing to do with the capital chain.

    The company, which had a net profit of 35 million 250 thousand yuan last year, was paralyzed because its legal representative, Huang crane, owed huge gambling debts and fled in April of this year.

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