Shoe Clothing "Collapse Tide" Worries Four Sides Shouted

When RMB appreciates and labor costs rise,

In June 14th, the central bank announced the sixth increase in the deposit reserve ratio during the year.

At this point, the deposit reserve ratio of large commercial banks has reached a historical high of 21.50%.

Behind the change of figures is the further tightening of bank credit, which means that the financing of small and medium-sized enterprises such as shoes and clothing may become more difficult in the future. In the days of "lack of money", many people feel back to the cold winter that just broke out in the financial crisis.

From 2008 to 2011, in the three years, there was too much sadness and joy, and another pain struck.

Who is saving hands? Who else is robbing them?

"Collapse tide" worries four sides shouted

China's private economy, one of the most active cities in Wenzhou, was once again caught in the eye of the storm in the hot summer.

In just one month, many central ministries and commissions such as the central bank and the Banking Regulatory Commission have been investigated.

Prior to that, the 3 families, such as Lao San Qi, Portman, Jiangnan leather, etc.

In the Yangtze River Delta and the Pearl River Delta region, rumors of the collapse of SMEs are spreading.

As a corroboration, it is a group of data released by the Ministry of industry and commerce, which shows that in the first two months of this year, the loss of China's small and medium-sized enterprises above designated size was 15.8%, an increase of 0.3 percentage points compared with the same period last year, and the deficit of loss making enterprises reached 65 billion 800 million yuan, up 22.3% over the same period last year.

Zhou Dewen, President of Wenzhou SME Promotion Association, said that the problem of capital is the biggest pressure faced by small and medium-sized enterprises such as shoes and clothing.

If the government fails to save further efforts, half of the domestic stock SMEs will halt, stop production or even fail in the second half of 40%.

About small and medium enterprises

As the National Federation of industry and commerce, which has always attached great importance to the issue of shoes and clothing and other small and medium-sized enterprises, it has also used enormous manpower and material resources. It took more than two months to conduct detailed investigations on the current operation of SMEs in 16 provinces such as Guangdong, Zhejiang and Jiangsu, and formed detailed reports.

Reporters tried to understand the detailed content of the research report, but was told by the head of the relevant department of the National Federation of industry and commerce, the details of the report are not yet open to the public and will be disclosed in the future.

CBRC issued ten preferential policies "fire fighting"

Research, suggestions, internal consultation and negotiation are all about "lack of money" but many loans for small and medium sized shoes and clothing enterprises.

All sides shook their arms and finally welcomed the dawn.

In order to promote commercial banks to support and improve financial services for small enterprises, the CBRC issued a notice on supporting commercial banks to further improve financial services for small enterprises not long ago, and issued 10 measures to support commercial banks in increasing credit support for small businesses with differentiated regulation and incentive policies.

Among them, the biggest bright spot is to assess the eligible banks for differentiated supervision indicators.

Another bright point of silver ten is that according to the specific circumstances of small business loans, such as risk, cost and cancellation, the tolerance ratio of non-performing loans of small businesses should be appropriately increased.

The head of the CBRC related departments said the new measures were introduced to continue to realize the growth of small business credit growth not less than the average growth rate of all loans, to improve the satisfaction rate of small business loans, coverage and service satisfaction.

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Banks quietly seek to advance underground banks to take advantage of trouble.

The CBRC is fighting to fight fires, so what are the most closely linked banks and microfinance companies, such as footwear and other small and medium enterprises?

Data show that, in the choice of financing channels for SMEs, such as shoes and clothing, banks ranked first in 50.9% place; private forms of financing accounted for 11.1%; equity, VC and other direct financing channels accounted for only 2.4%.

As a main channel of commercial banks, the financing difficulties of SMEs are focused on today.

Some people say that banks are dying, and banks say we have our own difficulties.

A joint-stock bank SME loan department official said, "we also have to consider their own level of profitability and risk control, we can do things that are difficult to meet, but we are more cautious. In line with policy requirements, we should at best advance steadily."

It is worrying that commercial banks, originally cautious about lending to shoes and clothing and other small and medium-sized enterprises, will be more reluctant to lend when the four wave of "collapse tide" arises.

In this regard, Minsheng Bank "commercial loan" business leader Zhou Bin told financial weekly newspaper reporter: "Minsheng Bank went to these areas for research, the signal back is relatively positive, we did not plan to shrink this part of the business, since November last year, our asset status, no matter from a regional perspective or industry perspective, there has not been a big fluctuation, to maintain a relatively balanced state, we think there is no" chaos in the sky ", it is still possible to do.

Zhou Bin said that banks should be urgent to save the poor.

Support for SMEs such as shoes and clothing has not been weakened, but some control must also be carried out.

And the so-called control, in addition to the size and intensity of lending, and a very important point is the choice of customers.

Each bank has different yardsticks for the industry where loans are mainly invested.

For example, the traditional industries such as shoes and clothing manufacturing and wholesale industries, as well as the "12th Five-Year plan" national key support energy saving industries, will be the focus of the Bank of Beijing.

In this regard, Zhou Bin said that we have maintained a very restrained attitude towards the footwear and other manufacturing industries, and now is the era of consumption as king, and nothing can be realized before entering the terminal.