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Private Lending Has Both Advantages And Disadvantages &Nbsp; Shoe Companies Need To Be Cautious.

2011/9/22 9:47:00 51

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In Wenzhou, private lending has been flourishing.

A large number of private financing institutions are another important channel for the rapid development of small and medium-sized shoe and clothing enterprises in Wenzhou.

But when they bring financial help to shoe and garment enterprises in time, high interest rates also increase the risk of the operation of shoes and clothing enterprises.

How to regulate Wenzhou's private finance so that it can play a greater role in easing the financing difficulties of small and medium-sized shoe and clothing enterprises?

In Wenzhou, a large number of private capital has provided a lot of financial help for the development of SMEs in Wenzhou.

According to the people's Bank of China

Wenzhou

Private lending in Wenzhou issued by the central sub branch in July 21st

market

The report, the size of the private lending market in Wenzhou is about 110 billion yuan, up nearly 40% over the same period last year.

At present, the comprehensive interest rate of private lending in Wenzhou is as high as 24.38%. About 89% of households in Wenzhou and 59% of enterprises are involved in private lending.

Walking on the streets of Wenzhou, people can see signs such as small loan companies, village banks, pawnshops, Guarantee Corporation and so on.

Almost all of these huge private financing institutions are booming.

Although the interest is very high, it still lets Wenzhou small and medium-sized shoes and clothing enterprises from the bank very difficult to borrow money.

But private lending is a double-edged sword with high interest rates.

shoes

Clothing enterprises bring high financing costs and bring social risks.

In recent years, the number of disputes triggered by private lending has also risen.

How to regulate private finance in Wenzhou, Zhuge Jun, an associate professor of the Party School of the Wenzhou Municipal Committee of the CPC, suggested: "the funds of the banks are very tight recently, and they can not be paid.

It is the emergence of such a lot of illegal and legal (private lending form) very much.

Private financial norms, I think should be combined.

For example, the state can make private finance sunny.

Allowing more small banks, such as micro banks, community banks, and small loan companies, are legitimate rural banks.

With more legalized private financial institutions coming out, small and medium-sized shoe and clothing enterprises can go to them to solve their financial problems.

This is a very ideal channel. "

Zhou Dewen, President of Wenzhou SME Association, believes that the government should build more bridges between private financial institutions and small and medium-sized enterprises.

On the other hand, we need to make some specific financial policies: "private lending is usury, and the pressure of small and medium enterprises is very large. This requires the government to formulate specific policies. It should really tilt to the small and medium-sized enterprises in the proportion of credit, set up some varieties of small and medium enterprises credit, so that they can get some credit support."

Building a sunny bridge between private capital and medium and small shoes and clothing enterprises is a good way to let Wenzhou's small and medium-sized shoe and clothing enterprises get out of the predicament.

Now, in the high cost of production factors, how does the small and medium-sized shoe and clothing enterprises in Wenzhou play their subjective initiative and actively seek their pformation and get rid of their predicament? This is undoubtedly worth exploring by the current experts.