Bank "Rich By Fortune" Enterprises "Seek Money" - Spinning And Clothing Industry: Government, Banking And Enterprises Jointly Break Through

Recently, the reporter was privileged to have dinner with the director of the Bohai bank loan center, Li Dawei, general manager of Hankou bank loan center and other financial circles and home textile business people.

During the dinner, most people talked about small and medium-sized enterprises, especially how to get rid of small home textile enterprises.

Banks' "rich by fortune" small businesses have been left out in the cold.

Li Dawei disclosed that at present, the mismatch of financial resources blindly "become rich" is a serious phenomenon.

Pei Na Hai, a standard small and micro textile company in Nantong, is mainly engaged in OEM production. Self created brand has always been the dream of Tao Jifa, general manager of the company. Due to shortage of funds, this dream has been stranded.

He said: "most banks have selective lending, and stronger home textile enterprises are also good. It is difficult for us SMEs to borrow money. Some enterprises will lead to capital chain tension and even face production stoppage."

Tao Jifa said that after the difficulty of loans increased, the reduced liquidity of home textile enterprises will directly affect the investment in fixed assets and the pformation of production equipment.

Some home textile enterprises have to eliminate old facilities and buy new equipment, but because they can not get loans and their funds are insufficient, the owners of small and medium-sized enterprises can only buy second-hand equipment instead.

Some people worry that the continuous tightening of the capital chain will lead to the closure or closure of SMEs.

It is reported that under the pressure of rising costs and so on, now in Haining, Zhejiang and other home textile and textile arts, some small and medium-sized enterprises have been semi shutdown and downtime.

According to the reporter, at least two enterprises have closed down or closed down, the reasons for closure are directed at capital chain breaking.

Owing to the difficulty of loans, some home textile enterprises in Nantong and other places have set eyes on the loan companies or pawnshops run by private capital.

However, in the face of the increasing market demand, local private lending companies and pawnshops also follow suit and raise interest rates.

A few days ago, Tao Jifa received a text message from a local small loan company and was told that the loan company would raise interest rates from now on, so that he would pay more than 1000 yuan interest per month, but he was not surprised by the way the loan company did so.

According to a survey conducted by Wenzhou economic and Trade Commission of Zhejiang, in the fourth quarter of 2011, local textile enterprises generally felt that their living conditions were grim. The most prominent thing was that the financing difficulty and financing cost of enterprises increased significantly. In the past, enterprises with more than 100 billion yuan of loan satisfaction had already begun to feel that funds were tight, and small and medium-sized enterprises generally felt that loans were difficult.

Under the continuous tightening monetary policy, at the beginning of 2012, home textile enterprises felt the smell of cold winter, and the problem of small and medium-sized enterprises financing was appealed every year. Where is the crux of the problem?

Enterprises "find money" to solve the financing puzzle through many channels

Li Dawei believes that in a long period of time, indirect financing channels based on bank credit is the main channel for Chinese enterprises to raise funds. However, with the gradual tightening of monetary policy and the adjustment of economic structure, it is increasingly difficult to rely solely on loans to meet the capital needs of enterprises, especially small and medium-sized enterprises, and the importance of broadening financing channels is becoming increasingly apparent.

Li Dawei analysis, the financing difficulties of SMEs can not simply be understood as banks' credit crunch. The important reason is that the reasonableness of the use of bank credit funds and the co-ordination of the demand for funds of some SMEs are difficult to effectively link up.

In a deeper sense, financing difficulty is only a superficial and temporary phenomenon.

He pointed out: "in recent years, the growth of commercial bank deposits is very fast. From the fourth quarter of last year to the first half of this year, the problem of tight credit funds will be greatly alleviated. On the contrary, banks will face the problem of insufficient effective delivery, that is to say, banks are rich enough to find good companies.

As the person in charge of credit, I am now thinking more about finding ways for credit funds, and trying to find quality customers to meet effective credit demand. "

For this reason, commercial banks such as Bank of Bohai and Bank of Hankou have opened up a green channel for SMEs credit. For textile and other small and medium-sized enterprises, it is necessary to simplify the scale of enterprises and credit level to enter the standard, simplify the credit business process, decentralization the approval authority of credit and credit rating of small and medium-sized enterprises to various business banks, simplify the approval process of small business loans, and loan to small business loans, and expand the loan approval authority of small and medium-sized enterprises.

The Bank of China, in response to the actual needs of regional economy, regards high-quality textile small and medium-sized enterprises as an important growth point of the assets business of the company, and guides the selection of medium sized textile enterprises with obvious advantages and growing small and medium-sized enterprises, especially those whose products are marketable and can promote the intermediary business development of the bank.

In addition, China Construction Bank also vigorously promotes the use of specialized, standardized and pipelined "credit factory" business operation mode, and set up "small business credit factory", so as to control risks, reduce costs, improve efficiency, create process banks, and actively provide comprehensive services for small business customers.

The "look down" view of the major banks has made the small and medium-sized textile enterprises feel the warmth of the silk thread and bring the gospel. The key is whether they can really commit themselves to the small and medium-sized enterprises at the operational level, and they need to be verified in the financing practice.

In the financing of home textile SMEs, Ma Tao, general manager of Beijing cotton field Textile Co., Ltd. believes that fundamentally improving the financing situation of textile home textile SMEs, the three parties of the government, banks and enterprises should form a resultant force.

Textile home textile enterprises should accelerate the pformation of production and operation mode, change the management mode of family businesses in the past, make full use of capital market and bond market, and take comprehensive financing channels such as listing financing, equity financing, debt financing, property rights trading, venture capital and venture capital.

This will not only alleviate the financing difficulties of SMEs in the context of tight liquidity, but also help improve the property rights structure of textile home textile SMEs and achieve stable and healthy development of textile SMEs' industrial clusters.

Lu Weizu, chairman of Nantong Bao Mo Home Textile Co., Ltd., said that the financing of home textile enterprises can also be provided by the government guarantee and guarantee system at all levels, so as to solve the problem of low credit and low credit capacity for home textile enterprises, so that home textile enterprises can get sufficient funding sources.