Revealing The Status Quo Of Small And Medium-Sized Shoe Enterprises In Chengdu, Sichuan

Bank loans need two loans.

Enterprises also have their own way to borrow money from several factories.

Reporters in Wuhou District's western shoes have seen the chairman of the western shoes industry operation Co., Ltd., Peng Jun, talking about the financing situation of leather shoes enterprises.

Peng Jun took out a pen and drew a picture for reporters on the white paper.

"Now the bank loans to us are in fact" two loans. "

Peng Jun said that if a bank takes out a loan of 1 million, the business will not be able to get the money directly.

It is necessary to deposit the money back to the bank, and then the bank will issue a half year acceptance note, and the enterprise will withdraw the money with the bill.

This difference between the direct loan and the enterprise is that the acceptance bill needs to pay about 7% discount fees, the enterprise loans to the bank, the intervention of Guarantee Corporation is indispensable, 3% of the guarantee cost and the deposit interest 3% are just the same.

In this way, the loan cost of an enterprise applying for a loan to the bank is 15% to 20%, which is twice the original cost.

If private lending is used, the monthly rate will be 3% to 4%, and the business will be more unbearable.

Peng Jun said: "shoemaking enterprises, more are several factories Interlending."

Private lending is a must.

No money can be found everywhere, and private lending is willing to lend.

A boss told reporters that he had friends who had approached private lending.

Generally, "some enterprises and individuals who have plenty of money are lending money out."

The whole operation process is "enterprise behavior, operation is normal, there are contracts, notarization."

And the two sides of the loan will also meet. "People who lend money should also have a look at whether the other side is a business man."

How much is the interest on private lending? The boss said, "I've heard of a maximum monthly interest rate of 8%."

The reporter calculated an account, which is equivalent to 96% interest per annum, far exceeding the bank interest rate 4 times the standard.

Who would be willing to pay such a high cost and borrow money? The boss said, "it has nothing to do with any industry. It is a company that needs capital for a short time."

He also said that if an enterprise does not even get paid for this month's wages, then the boss will have to jump around the wall and borrow money everywhere.

"Banks, small loan companies, friends can not borrow money, can find private loans, willing to give you money, it will burn high fragrance."

How difficult is it to borrow money? Small and medium-sized enterprises

Shoe factory: bank lending depends on "industry reputation".

For the temporary turnover of funds, bosses have their own way, or borrow or default; and "private lending", because of its high interest, has become a "minefield" that most bosses dare not touch.

Million meters is a foreign shoe business specializing in Russian orders. Liao Caiwei, chief executive, said: "our factory has run many banks. People say that the credibility of the shoe industry is not good. If there is no mortgage, such as housing and cars, they will not give loans at all."

Speaking of private lending, Liao Caiwei immediately denied the possibility: "we make a pair of shoes to earn a few yuan. Where can we afford private lending?"

Liao Caiwei said that the way he is taking is "hard to carry". "I have taken millions of dollars from my family's savings this year, and I have to pay all kinds of money."

What if it doesn't work? "Only bankruptcy!"

How difficult is it to borrow money? Guarantee Corporation

Guarantee Corporation dodge many ways of borrowing, but demand quite a lot.

Recently, reporters interviewed three Guarantee Corporation as borrowers.

These companies call themselves "* * investment companies" in advertising. When a reporter enters a hotline to sign a loan, the service staff says, "our professional account manager will contact you."

After talking with reporters, the client manager would ask for "material interview" and said that if the bank did not lend money, the company had other forms, such as obtaining loans from private lending.

Private lending 100 thousand annual interest rate to 20%

After the call was connected, Xiao Liu, a customer manager, told reporters directly, "if you want to borrow money, you must have a mortgage."

A set of 45 square meters self occupied housing located on Hongxing Road, if the property is in 2000, the value is 15% off for the current valuation (the old house can only play 40 percent off), so the loanable fund is about 380 thousand yuan, and deduct part of the loan that has not yet been paid.

The company has a loan of 100 thousand yuan, and the lender needs a service charge of around 10 thousand yuan, and it also pays interest on the bank's normal interest rate.

The company's nominal credit interest is slightly lower.

"Unwilling to use real estate collateral, you can choose to make credit loans in the name of the company."

Ms. Deng, a customer manager, told reporters that the documents that carry the company's formalities and assets certificate of the legal person can borrow credit loans of not more than 100 thousand yuan.

This kind of loan is relatively cheap, the interest of 700 yuan a month, the total interest rate in one year is about 8%.

But she also said that in order to obtain such loans, the requirements for enterprises are stricter.

"Tailor-made" requires high operating conditions.

When reporters put forward loan demand, customer manager Mr. Cai said: "our company loans too many ways, but must be tailored to the conditions and quality of the enterprise."

According to his disclosure, borrowing 100 thousand yuan, the monthly repayment of the principal and interest in the form of monthly charges, a total of less than 10 thousand yuan, the annual interest rate charged by banks is about 8000 yuan.

Unfortunately, this has higher requirements for the operation of enterprises.