Development Pattern Of Small And Medium Shoe Enterprises Under Usury Financing

Read the headlines of the current major media economic news, and the boss is missing.

From the perspective of the footwear industry, due to the objective impact of macroeconomic policies at home and abroad, coupled with the continuous rise in labor costs in the industry market, the already stressed shoe companies, especially the small and medium-sized shoe enterprises, are once again caught up.

With the continued tightening of monetary policy at the moment, it is no doubt that the shortcut to rely on bank loans once again becomes narrower.

According to statistics, more than half of the small and medium-sized shoe enterprises today do not get enough support from financial institutions.

Then, how can the small and medium-sized shoe enterprises alleviate themselves in the dual predicament of "wind and rain"?

As we all know, the spread of usury in small and medium-sized enterprises is the direct reason for the boss to run off the road, and the difficulty of financing is the fundamental reason for the implementation of usury by small and medium-sized enterprises.

Especially in the current voice of private lending, the illegality of its financing will inevitably lead to the high interest rate of usury.

Based on this, the government has begun to give small and medium-sized enterprises more practical financial policy support.

Premier Wen Jiabao has also conducted field visits to the relevant areas this week, all of which require banks to take a more comprehensive action to cut interest rates and make profits. Intensive efforts to "recruit" continue to increase the credit funds for SMEs, and to help the SMEs in the development of the capital chain in a more specific way, especially for the improvement of the tolerance rate of non-performing loans, at present, it is even more urgent for.

Of course, at the same time, the government will also focus on strengthening the supervision and legalization of private lending and other usury financing channels, so as to further reduce the risk of lenders and borrowers, and prevent the shortage of small and medium-sized enterprises.

Large enterprises jointly assist the financing development of small and medium-sized enterprises

In this background of usury financing, big enterprises and small and medium-sized enterprises have a very different situation: large enterprises can get corresponding financial support through various traditional channels such as banks, avoiding the influence of usury, and small and medium-sized enterprises are more difficult at this point.

Moreover, we also know that the development foundation of large enterprises and the stability of the whole capital chain are obviously stronger than the development of small and medium-sized enterprises.

Although the government has gradually introduced a series of preferential credit policies for SME development, it is still difficult to go all the way to the forefront of the development of enterprises.

At this time, if a large enterprise in the same industry front is able to give small and medium-sized enterprises more breathing opportunities and help in the market, it will undoubtedly encourage the SMEs to crack the bottleneck of financing difficulties to a certain extent, and also promote the sustainable development of the whole industry's capital chain, and even promote the new pformation and upgrading of the whole industry.

So, here, we also look forward to more large capital chain enterprises to join the ranks of helping small and medium enterprises to develop together.

The rise of corporate Internet lending in the context of information age

Under the urging of many traditional usury channels, Taobao's credit loan, as the new network credit system as the information age, should be pported to the current situation.

To be more precise, Taobao's credit loan actually refers to the successful application of Alibaba's new micro finance technology in Taobao sellers.

In particular, with the trend of the trend of small and medium-sized enterprises in the current market, the network lending has highlighted the unique advantages of grassroots finance in simplifying the channel procedures.

Of course, compared with the SME loans of banks, the access threshold for Internet loans is relatively easy. This is a factor that SMEs can consider lending to the network.

Of course, everything has a dual nature. In the practice of online lending, SMEs should fully pay attention to whether they are suitable for their own financing channels, so as to realize the balanced and sustainable development of the capital chain more effectively.

In short, we are eager to usher in a new development pattern for small and medium-sized shoe enterprises in the environment of usury and so popular financing.