Emma CNC: Buying Shoes Machine Can Also "Mortgage".

"Down payment 200 thousand, 17 thousand for month." This is the slogan of the Jinjiang Emma CNC Technology Co., Ltd., seen by reporters at the fourteenth shoe fair in Dongguan. It 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 business 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 using the calculator to answer the client's "monthly supply" method, and hand over their products brochures to interested customers. 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".

This year's shoe fair, this year's shoe machine hall has some enterprises to display their own content, there are some big pioneering and breakthroughs. 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.

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.

"We Emma CNC started working with a financial leasing institution this year to launch a" mortgage "program to buy our products to help them reduce their financial burden through the monthly financing of financial leasing institutions. They only need to pay interest rates similar to bank loans, but they 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, and the procedures will be more convenient, which is really suitable for the financing characteristics of SMEs.

"In fact, during this period, we must also take certain risks." Wang Guoquan further explained, "assuming that A shoes enterprises can not repay all the payments, Emma CNC must return the financing of the leasing institutions, then buy back their products and sell them as second-hand products. However, this probability is actually very low, so it is only a record. " It is reported that the longest mortgage can be divided into three years. "However, financial leasing companies will have a certain assessment of the enterprise. The current threshold is very low, so long as the formal footwear companies with business licenses are employed for more than two years, and the loan amount is not less than RMB50 million." Wang Guoquan said that the threshold for Jinjiang enterprises is not high, and Jinjiang enterprises have a certain reputation in credit, so we are not worried about what will be a big loss, and this mode of operation accounted for at most two or three of the total operating volume, and will not have a big impact on its enterprises.

In addition, Wang Guoquan said, because our products are greatly improved in terms of energy saving, labor saving or material saving, so the cost reduction to enterprises can also fully pay the interest generated by the monthly payment, and for enterprises, it is to borrow other people's chickens to lay eggs.

Optimistic about Jinjiang shoe industry transformation and upgrading business opportunities

According to the introduction, many financing leasing companies use their professional ability and capital advantages to provide paid services for the shoe enterprises with demand with proper "rent", which will help boost the transformation and upgrading of shoe enterprises, help small and medium sized shoe enterprises tide over difficulties, and at the same time promote the smooth development of the footwear industry and form 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 footwear industry structure, and eliminate old and backward equipment. In adjusting the excess capacity of shoemaking 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, because the development of shoes and clothing industry has slowed down in recent two years, especially the footwear and clothing industry in Jinjiang is at an important juncture of transformation and upgrading. The demand for high-end energy-saving equipment is obvious to all, but the market downturn and the financial environment have made everyone fail to update the equipment. This mode is indeed worth promoting. The footwear 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.