Market Economy Depression &Nbsp; &Nbsp; Shoe Machine Enterprise New Mode

"Down payment 200 thousand, 17 thousand for month." This is the fourteenth session of reporters yesterday. Shoe Fair I saw a slogan of a shoe machine company. The slogan of Emma CNC Technology Co., Ltd. is particularly eye-catching in the decoration style of the shoe machine hall with product display and introduction as the mainstream. Reporters immediately found that in this shoe machine booth, many customers are consulting. Emma, chief executive of CNC Company of Guangzhou, and Wang Guoquan, chairman of shoe industry leather business association of Baiyun District, are busy with the use of calculators to answer customer's "monthly supply" consultation. What kind of operation mode is "monthly mortgage"? Will this mode become a new operation mode of shoemaking industry?

　　 Buying shoes machine can also "mortgage".

At this shoe fair, the reporter is pleased to see that this year, some enterprises in shoe machine hall have made some big breakthroughs in content. In the past, enterprise display of shoe machine booth always introduced product function seriously, but this year, enterprises no longer stay in the boring presentation of their products, but introduce new concepts from the way of cooperation.

Chen Aidao, general manager of the office of the shoe machine company in the US and the company in Fujian, also expressed appreciation for this new concept of cooperation.

Emma CNC's "down payment + monthly supply" mode should be regarded as a new concept in our shoe machine industry. When the economic situation is not particularly optimistic, buying equipment can provide a monthly supply like buying a car, which is indeed a good news for many small and medium-sized enterprises. In fact, they will promote the operation mode of an industry. " Chen Aidao told reporters.

So how does Emma NC's new model work?

Wang Guoquan explained to reporters that in fact, this mode is the legendary mode of financial leasing.

"Emma CNC has started strategic cooperation with a financial leasing institution this year, that is to say, the demand enterprises that purchase products from us can reduce their financial burden through the monthly supply of financial leasing institutions. We need to pay interest rates similar to bank loans, but we have saved the threshold of pledge, guaranteed interest rates and insurance interest rates, and the cost of financing is very low. Wang Guoquan gave an example to reporters, assuming that A shoes enterprises lack funds, but there is demand for equipment, then we Emma CNC can guarantee A shoe enterprises, then the financial leasing institutions will pay A enterprises to Emma CNC, while A enterprises will have to pay monthly mortgage payments to financial leasing institutions; and financial leasing institutions will cooperate with banks so that banks can lend money to financial leasing institutions in order to pay for all the money that A shoe companies purchase. At the same time, we will sign a buyback contract with the finance leasing institution. During this period, A shoe companies only need to pay a certain interest rate to the financial leasing institutions, which is not much different from the bank credit interest rates, but the threshold will be much lower, the procedures are more concise, and really suitable for the financing characteristics of SMEs.

"In fact, during this period, we must also take certain risks." Wang Guoquan further explained that, assuming that A shoes enterprises can not repay all the payments, then Emma CNC will return the financing of the leasing institutions, then buy back their products and sell them as second-hand products. However, Wang Guoquan said that this probability is actually very low, so it is only a record. It is reported that the longest mortgage can be completed in three years. "However, financial leasing companies will have a certain assessment of enterprises. The current threshold is very low, that is, the formal footwear enterprises with business licenses have been operating for more than two years, and the loan amount must be no less than 500 thousand." Wang Guoquan said, in fact, this threshold is not high for enterprises, and Jinjiang enterprises have certain reputation in credit, so they do not worry about any big losses, and this mode of operation accounts for at most two or three of their total operation, and will not have a great impact on enterprises.

In addition, Wang Guoquan said that because of their products in energy saving, labor saving or material saving has greatly improved, so the cost reduction to the enterprise can also fully pay the interest generated by the monthly payment, for enterprises is to borrow others' chicken eggs.

In response, Luo Binghong, general manager of Yida CNC Technology (Guangzhou) Limited, told reporters that in fact, his company has provided the "down payment + monthly supply" mode to customers, but the proportion is very small. "After all, we are a family. Shoe machine enterprise It is not a financial institution, it is generally to provide some services to some customers who do need it, but this is not our main operation mode. The estimated proportion is only 2%~3%. Luo Binghong said so. However, he believes that the mode of financial leasing is helpful to the transformation and upgrading of small and medium-sized enterprises.

　　 Optimistic about Jinjiang shoe industry transformation and upgrading business opportunities

According to the introduction, in fact, the leasing company uses its professional ability and capital advantage to provide service for the shoe enterprises with demand at the appropriate level of rent, which is conducive to supporting the transformation and upgrading of the footwear industry, helping small and medium-sized shoe enterprises to tide over difficulties, and promoting the steady development of the footwear industry and forming a win-win situation.

In this regard, Wang Guoquan told reporters that the company's move is actually the first mode of operation this year. In this way, the cooperative customer groups are mainly small and medium-sized enterprises with promising prospects but not enough funds. "In fact, the footwear industry in Jinjiang is at an important juncture of transformation and upgrading. Only by using high-end high-end high-tech equipment can we truly achieve industrial upgrading. Therefore, this is also a good development opportunity for our shoe machine industry. I think the prospect of Jinjiang shoe industry is still very broad. It is still more competitive to expand the potential market of Jinjiang by such cooperation. " Wang Guoquan told reporters.

Wang Guoquan believes that the shoe machine industry leveraging financial leasing operation mode, can also play a combination of investment and financing characteristics, to promote the structural adjustment of the footwear industry, to achieve sound development. In particular, this model can support the transformation and upgrading of high quality shoe enterprises in the downturn of the market, enhance their competitiveness, or buy high-end equipment at a low price to help them realize their low-cost operation expansion, support the optimization and adjustment of the shoe industry structure, and eliminate the old and backward equipment. In adjusting the excess capacity of footwear industry, it can also promote the technological progress of footwear industry.

"If the financial leasing industry can rise rapidly in the shoe machine industry, it is indeed an important way to solve the financing problems of small and medium-sized enterprises." Chen Aidao said, in fact, due to the slowdown in the footwear industry in recent two years, especially Footwear industry in Jinjiang At the critical juncture of transformation and upgrading, the demand for high-end energy-saving equipment is obvious to all. However, the market downturn and the financial environment have made everyone unable to update the equipment. This mode is indeed worth promoting. The shoe industry in Jinjiang is in this critical period, and it is also a good opportunity for the upstream industry. As long as we grasp this business opportunity, enterprises can take a new step with the whole industry.