Three Measures To Save Small And Micro Enterprises

What can small businesses with big belts do?

In this year's "two sessions", Gao Dekang, chairman of Bosideng group, as the National People's Congress, talked about

When it comes to business difficulty, apart from suggesting that the government should tilt the tax policy towards small and micro enterprises, and small loan banks can set up special lending businesses for small and micro businesses, the emphasis is also placed on improving the ability of innovation and development of small and micro enterprises fundamentally, especially the leading enterprises in the industry should provide innovation and technical support for small and micro enterprises.

Taking himself as an example, in his 30 years of development, Bosideng not only promoted the development of clothing clusters in the region, but also led to the growth and development of upstream and downstream industries such as packaging, dyeing and weaving, fabrics, accessories, feathers and terminal sales.

Small and micro enterprises are also disadvantaged groups, and large enterprises that develop faster are performing their help.

The important embodiment. "

"Large and small enterprises will jointly develop together. This will be one of the ways for the future development of small and micro enterprises."

Yang Jizhao, vice president of China Textile Industry Federation, has said that not all small and micro enterprises are suitable for research and development and upgrading of technology due to the problems of platform, resources and cost.

"Like car brands, they do not produce all the accessories, but they are assembled. This pattern is also feasible in the clothing industry.

Large enterprises should take the lead in R & D, and then make small and micro enterprises to upgrade by supporting or subcontracting small and micro enterprises.

stay

Leading enterprises to promote the development mode of small and micro enterprises has already had a preliminary success case.

Jinjiang Dali garments company, which is mainly based on foreign trade orders, is one of the leading enterprises in Shenzhen town. In the past two years, with the growth of the order volume, the company has reached a strategic cooperative relationship with many small and micro enterprises around the world, placing orders outside, which has promoted the development of small and micro businesses around.

Or in Jinjiang, "brand industrial park" and "SME Pioneer Park" have become the carrier of leading enterprises to promote the development of small and micro enterprises.

According to the relevant person in charge of Jinjiang economic and Trade Bureau, Jinjiang promotes the operation mode of "brand industrial park" in the whole city, takes the leading enterprises of brand textile and clothing as the main body, guides small and micro enterprises to enter, and builds a supporting cooperative carrier.

The small and medium enterprises Pioneering Park, which is being planned for construction, will be tailored to standard factories for small and micro textile and garment enterprises through agent construction and order form.

As early as the end of last year,

Many enterprises have already taken the lead step by step, and large and small enterprises help to overcome difficulties.

The leading enterprises in the industrial chain use the advantage of relatively abundant funds. Before matching small and micro enterprises have not completed the order, advance payment is in advance.

In this way, small and micro enterprises have survived the crisis of possible fragmentation of the capital chain, and the entire industrial chain has continued to operate smoothly.

Ningbo Shenzhou group, the leading textile enterprise in Ningbo, is a typical representative. It provides a lot of financial help for its own small and micro enterprises.

"We regard suppliers as our partners rather than purely commercial and trade relations.

We believe that only suppliers are good, and downstream suppliers of suppliers will be fine. "

Wang Cunbo, chief financial officer of Shenzhou group in Ningbo, said in an interview.

What can financial support do for financial institutions?

In Beijing, Xidan branch of Beijing Minsheng Bank, Xidan branch of China Minsheng Bank, is located in the more active areas of Beijing's clothing trade circle. Therefore, as a feature sub branch of Minsheng Bank's clothing and apparel industry, apart from providing financial support to the small and micro enterprises in the clothing industry, the Xidan branch of Minsheng Bank also solves various problems in the process of settling the small and micro enterprises, making the settlement of complex business pactions as simple and easy as credit card consumption.

As of March 2012, China Minsheng Bank Beijing Xidan sub branch has provided settlement for nearly 2000 small and micro businesses in the clothing industry.

Financial services, such as financial management, to give 1 billion 500 million yuan of financial support.

Take Minsheng Bank Xidan branch for small and micro clothing merchants specifically launched the "Music Collection Silver" project, for example, is based on the actual settlement characteristics of small and micro enterprises, the innovative phone based payment platform.

It integrates many functions such as bank card inquiry, pfer, payment, self service payment and so on. Just like a small bank terminal, merchants can handle most of the banking business without leaving home, which greatly saves the time cost and financial cost of settlement.

In Shanghai, in order to finance small and medium-sized enterprises, many banks in Shanghai have introduced different financing products.

Not long ago, Pudong Development Bank Shanghai branch launched the "customs clearance" electronic guarantee business at the seminar on import business. The company can use this product to achieve "customs clearance first and then pay tax" convenience, improve customs clearance efficiency and save financial costs.

It is reported that if a company reaches a certain standard, the Shanghai Pudong Development Bank can grant its 500 thousand yuan "clearance clearance" without any conditions, without any additional guarantee from the enterprise.

China Merchants Bank Shanghai branch has also upgraded loans for small and micro enterprises, providing flexible and flexible service.

It is reported that all customers who handle the loans of China Merchants Bank's upgraded version of small and micro enterprises can enjoy the unique features of the Bank of China's "unique" turnover.

After opening the turnover, customers can log in 7 hours and 24 hours. They can log on to China Merchants Bank online bank at any time and pay the money to the other party immediately by way of pfer. They can also pay by POS card.

Besides, turnover is not only convenient for borrowing, but also can be processed online at any time.

As for the loan interest rate, how many days, how much interest will be used, and the interest will be reduced according to the actual usage.

The small and micro enterprises loan customers of the China Merchants Bank can also enjoy 2 years' interest payment on a monthly basis.

In Zhengzhou, the Henan branch of Bank of communications and the Federation of garment manufacturers of Zhengzhou City Federation of industry and Commerce have conducted in-depth and extensive research. Aiming at the characteristics of the use of funds in clothing enterprises, they broke through the original single credit management mode, and formulated a package including financing, settlement and financial management for garment enterprises.

Service plan.

According to the bank's plan, this year will support Zhengzhou's small and micro enterprises with a loan amount of 2 billion yuan.

Moreover, in April 13th, the launching ceremony of the "financing supermarket" set up by 27 banks in Henan was held at the Zhengzhou International Convention and Exhibition Center. 103 small and micro enterprises from the whole province went into the "financing supermarket" to pick their own "commodities" - whether big banks or small banks, whether they were foreign banks or village banks, almost every bank produced several financial products tailored for small and micro enterprises.

It is reported that in the next 1 months, the small and micro enterprises will be held in Henan, Xinxiang, Anyang and other cities.

What should we do on our own small and micro businesses?

Wang Shengcai, the head of Henan Qiao Qi trousers industry, is from Zhejiang. She first came to Henan because she saw the potential of Henan's clothing market.

However, at first, he had no plan, just following the big stream. After experiencing difficulties, he began to find another way.

"Clothing in Henan is relatively unconstrained. At the very beginning, we are making money with leading enterprises. What do they do?

Later, leading enterprises began to establish their own brands. When consumers have brand awareness, our small and micro enterprises will have a hard time.

Wang Shengcai said that at present, Qiao Qi has six fixed agents, others are retail investors, and are familiar customers.

To improve the current business situation, Qiao Qi pants industry wants to increase sales by setting up clothing stores on Taobao.

Similarly, the small and micro enterprises that want to change the status quo through the electricity supplier channels, as well as clothing and apparel products established in 2005, are also from Henan. They are small and micro garment enterprises in Henan, which are growing fast. At present, they have their own agents in 16 provinces all over the country.

Liu Zhili, director of clothing and accessories, said that this is due to the accurate positioning of the target customers and the innovation of two important links in design and sales.

In addition, the clothing industry has set up its own online shopping mall, and has established flagship stores on Taobao and pat. It is estimated that online sales will account for 30% of the total sales in the second quarter of this year, and will reach about 50% by the end of the year.

In Hangzhou, Xu Donghong, the responsible person of LAN Hang's clothing, started from wholesale and started to set up his own marketing channel, "designing, processing and selling a line".

In 2011, the company also launched the pformation of the German Liv brand, is also a pformation of the work.

Xu Donghong said that they spent a lot of time in creating and designing, enhancing the multifunctional function of the down jacket. The sleeves can be dismantled, the length can be shortened, and the down jacket is a backpack. There are even 5 kinds of clothes to wear.

In Hebei Gaoyang, a company called Tu Qiang weaving is a small micro enterprise producing towels.

Although towel products are an obscure sketch, but as people's tastes and habits change, towels are rising in the home textile industry.

Tu Qiang textile industry also admitted that they imitate the mature brand, but it is commendable that they do not forget to surpass and form their own characteristics. Tu Qiang towel pays attention to the "three special" efforts, that is to achieve special design, special specifications, and special style.

Liu Jianqiang, general manager of Tu Qiang textile industry, said that the company has worked with many excellent design and production companies outside the family to broaden the vision of the company's designers. According to the new characteristics of modern towel consumption, we have developed a number of large-sized towels and bath towels to meet the needs of different consumers. In terms of style, the company has developed European, Japanese, American and Chinese style towel products according to the consumption differences of different sex, age, region and country.

As a small and micro enterprise, Tu Qiang towel will inevitably encounter.

Difficult problem, but on this issue, general manager Liu Jianqiang has different views. He believes that although banks and other financial institutions are very helpful in helping, the more important thing is, "enterprises should strengthen standardized management and have the conditions to lend to banks".

"Macroscopical matter, we can appeal to, can ask, but the enterprise's own problems, need entrepreneurs to take confidence, patience and attention to solve, so that they become strong."

Liu Jianqiang's words deserve a lot of small and micro businesses like them.