At The End Of The Year, How Can Small And Medium-Sized Shoe Enterprises Get Out Of The Debt Trap?

It is reported that in the history of private economic development in Wenzhou, private lending has made great contributions. For a long time, in the context of formal financial system, private lending and bank credit are the trend of "you enter and retreat" and "change the other". The former is only the "supplement" of the latter.

In the context of inflation, banks began to tighten their monetary policy. The overstretched Wenzhou bosses began to wake up from the dream of "4 trillion". Private lending has become the quack of many Wenzhou bosses. This kind of private interest loan is also widely seen as overwhelming. Wenzhou The boss's last straw, but Fang Fang Lin, director of Wenzhou Fangxing Company limited by guarantee, bluntly pointed out that Wenzhou bosses were "no longer overwhelmed by private lending". "Which one is forced to borrow? It is voluntary - not to die at once, but to die slowly."

More and more enterprises can not resist temptation. An urgent need Assets The restructuring of shoe companies shows that a company was founded in 2007. enterprise The registered capital is 5 million yuan, the annual output value is 20 million yuan, and the bank loan is as high as 80 million yuan. "In other words, if the loan is used entirely in industry, it will take 4 years to sell the shoes," he said.

For small and medium-sized shoe enterprises, we must continue to take industrial management as the foundation, firmly grasp and firmly rely on the real economy to build their own "foundation of career". Business operators must also be able to resist temptation and see the long term. Throughout the world's top five hundred enterprises and the many centuries old shops that have been handed down for centuries, none of them is based on non speculative industries. They are all non speculative and enduring.

With the further adjustment of the market environment, small and medium-sized shoe enterprises should realize the rational investment of funds. On the basis of industrial operation, the investment of capital to strengthen the competitiveness of the industry, such as technological innovation, product innovation, management innovation and so on, will only truly help the development of enterprises and help enterprises to embark on a stable and lasting development path. A friend of Wenzhou's business owners attaches great importance to their own product upgrading and technological innovation, investing a large amount of funds to carry out related R & D innovation. Although the overall external environment has deteriorated gradually, it has won more external orders for its product innovation and upgrading, which has little impact on the financial crisis and the credit crisis.

Wenzhou is only a microcosm of the financial grey zone crisis in the national private lending market. Under the background of tight banking and private capital investment, Jiangsu, Fujian, Henan and Inner Mongolia provinces have become high-risk areas for lending risks. Therefore, it is necessary to strengthen financial support, enterprise assistance, judicial mediation and bankrupt enterprises in handling aftermath. In ensuring enterprise development, we must resolutely crack down on irregularities such as evil forces and malicious wage arrears. At the same time, we should increase publicity efforts against bad behavior so that enterprises can solve the adverse consequences of illegal lending and increase credit building so as to ensure the development and harmony and stability of small and medium enterprises.