The Financing Chain Of Shoe Enterprise Loans Is Severe, And The Capital Chain Is Broken.

Whether Guangzhou, Xiamen, Ningbo, Suzhou, Qingdao or Dalian, the export oriented shoe companies interviewed almost all face the problem of increasing financing, logistics and tax costs.

Under the influence of the national monetary policy, the financing problems that perplex foreign trade shoes, especially small and medium-sized shoes, have not been fundamentally relieved. It is generally reflected that the loan conditions are more stringent and the cost of financing is rising.

In Qingdao, especially footwear export enterprises, financing difficulties are more common.

A leading enterprise engaged in footwear exports says that the cost of financing from banks is up by more than 50% over the same period last year.

For private lending, enterprises generally reflect more financing costs than bank credit.

cause

The owner of a footwear export company in Xiamen, who does not want to be named, told reporters that the most direct way is to use it.

In Ningbo, official data show that small and micro foreign trade enterprises are facing greater financial pressure.

According to the statistics of Ningbo Municipal Bureau of statistics, the financial expenses and interest expenses of Industrial Enterprises above designated size increased by 28.7% and 40.48% respectively from 1 to September this year. The financial expenses of large and medium-sized enterprises and small industrial enterprises increased by 20.46% and 40.16% respectively, and the interest payments increased by 32.98% and 50.56% respectively.

The survey shows that the smaller the enterprise scale is, the higher the cost of financing is.

Taking Ningbo as an example, the monitoring of the three quarter of Ningbo development and Reform Commission showed that the proportion of enterprises that reflected the pressure of financing was 75.08%, of which 13.35% of enterprises had a financing gap of more than 20%.

The interest rate of Ningbo Bank (9.60,0.10,1.05%) is generally more than 30% above the benchmark interest rate, the annual interest rate of the small loan company is 25% to 30%, the discount rate of the bill is about 9.5%, and the interest rate of the private lending rate reaches 25% to 30%.

Watch your bill carefully and do your best.

Despite the rising cost of financing, many small and medium-sized export enterprises in the coastal areas are suffering, but financial constraints will not endanger survival.

Most of the enterprises surveyed are partial to prudent management and do not blindly expand. When the economic situation is uncertain, they should be cautious to take orders and do their best.

In the survey, the reporters found that entrepreneurs of shoes and clothing in Suzhou will live very well. Their argument is, "how much reserve funds do they have?"

"At present, more than 5 million of the list is afraid to pick up, and it is very difficult to make loans and make loans."

An enterprise interview with reporters said that from the next order to recover the cost of about 6 months, orders slightly larger will have capital turnover problem.

"For large customers, the deposit usually pays only 20% to 30% of the total amount, which is far from enough."

Like the above, there is a large number of enterprises that do not dare to pick up funds because of capital problems, which are not a minority in Suzhou.

Tight funds also cause foreign trade enterprises to focus on short-term orders.

According to the survey results in Ningbo, Zhejiang, from the date of delivery of the export orders held by the 14 enterprises, the other 13 enterprises are all within 3 months except that Ningbo Niu Da arts and Crafts Co., Ltd. chooses 3 to 6 months.

"The days when I owe money to banks are also very sad."

He Shuibing, chairman of Cixi Longwei Electrical Appliance Co., Ltd., was very glad to say, "fortunately, there is no blind investment and expansion.

Otherwise, our capital chain will also have problems.

In addition to the reasons for the policy level, many foreign trade enterprises have difficulty in capital chain because they invest short and long term loans to invest in industries such as industry and real estate for one or two years.

Those projects are very profitable, but they take up too much money and are too long.

Nor have I ever done many other "quick money" projects because of the good economy, so they have been steady and steady.

Despite the fact that many days of mouth making enterprises are getting on, it is still uncertain how long the loss of flexible capital chain will last.

Reporters also found in the survey that many small and medium-sized export enterprises have not yet established external market financing system, which is basically internal financing and snowball development, which makes it difficult for enterprises to form scale production.

Small and medium-sized enterprises are facing a great deal of capital conflicts. Many enterprises with profitable projects can not maximize their capabilities because they are unable to raise the necessary funds, which has become an important "bottleneck" restricting the footwear enterprises.