With The Help Of "Equipment Leasing", 48 Looms Find New Financing Ways.

Technological pformation is imminent and funds are nowhere to be found.

How to make equipment "Sheng" equipment? This problem is plaguing more than 1300 large and small textile enterprises in Lanxi.

Last June,

Small and medium enterprises

The first 11 million yuan financing was settled in Lanxi.

This immediately opened a way for Lanxi textile enterprises in technological pformation, especially for a large number of small and medium-sized textile enterprises.

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A few days ago, Pan Ruyuan, director of Lanxi lanxinyuan Textile Co., told us how he made use of "equipment leasing".

Stories that flow.

First sell and rent back the old loom to produce a new loom.

Pan Ruyuan, a typical conservative, advocated "how much money to do business", so even though his colleagues began to upgrade their equipment, he still retained 124 smaller rapier looms with relatively backward technology.

Last year's textile industry promoted him to take the road of technological pformation.

Taking into account the price of 320 thousand yuan per imported air-jet loom, he chose a cheap domestic air-jet loom and eliminated 44 small rapier looms.

In December last year, 48 domestic air-jet looms came to Pan Ruyuan for the first time.

"In Lanxi, a lot of bosses are like me, at the very beginning, I think the price of the imported machine is too expensive. First try it with the domestic product, then feel good after using it, then think about buying imported."

Pan Ruyuan, who had tasted the sweetness of domestic air-jet looms, soon aimed at better quality imported air-jet looms.

At this point, however, the funding problem began to emerge.

The factory buildings have already been mortgaged, and the existing inventory is not valuable. Where can we borrow money?

In the introduction of peers, Pan Ruyuan knows the ICBC is promoting the leasing of agency equipment.

After understanding and comparison, in early April of this year, he applied to the Lanxi branch of ICBC for the business. Under the recommendation of the sub branch, he sold 48 domestic air-jet looms to ICBC for lease and then leased them for a 3 yuan financing period of 3 years.

Only by paying the rent and rent on time, 48 domestic air-jet looms are still operating normally in the company, ensuring production and operation.

Now, 48 Japanese air-jet looms have been ordered and will be put into production in August.

Pan Ruyuan told us that 3 years later, when he paid all the rent, he could get the property of 48 domestic air-jet looms, and then he had another 48 imported air-jet looms.

Textile technology upgrading financing innovation students at that time

The agent leasing business of small and medium-sized enterprises in Pan Ruyuan's mouth means that small and medium-sized enterprises have been investigated and recommended by ICBC, selling their own equipment to ICBC leasing, and then leasing the equipment from ICBC lease, which does not affect the existing production and operation, but also solves the long-term capital needs of fixed assets investment.

Jinhua branch of the ICBC branch of small business financial business center of the day to us: "equipment leasing can reinvigorate enterprise equipment assets, bring low cost of 3 to 5 years of long-term loans to enterprises, for SMEs to purchase advanced equipment to implement technical pformation to provide financing support."

"Small and medium-sized enterprise equipment leasing" took the lead in Lanxi to form the scale and became the leader of the whole province's business development.

By the end of April this year, the Lanxi branch of ICBC has handled 23 equipment leasing and the total amount of financing is 310 million yuan, of which only 12 households have been handled in 2012 alone, and the amount is 160 million yuan.

In the words of governor Zhu Dongqing, "this business coincides with the" technical pformation peak "of Lanxi's textile industry.

Textile industry is a pillar industry in Lanxi, and industrial clusters have also taken shape.

Last year, the city's textile industry achieved 14 billion 890 million yuan of industrial output value, accounting for 27% of the total industrial output value of the city, and its products were exported to more than 20 countries and regions.

"Since 2010, textile enterprises in Lanxi have entered the stage of technological pformation, which is also a requirement of the whole industry."

Zhu Dongqing said.

Compared with traditional rapier looms, air-jet looms are of good quality, high efficiency and saving human resources, but they are expensive, and most textile enterprises can hardly afford them.

For a Japanese air-jet loom, a group of 144 machines that can maximize the economic efficiency of machinery and equipment will cost 320 thousand yuan per unit, which will cost about 40000000 yuan.

"Air-jet looms are of high price and versatility, and already have a fairly mature circulation market and second-hand market in Lanxi.

All of these coincided with the basic requirements of equipment leasing. "

Strive to simplify processes and better meet small and micro needs.

Of course, the equipment leasing has encountered many annoyances when it first started processing.

"Last year, the first business took more than 3 months from application to loan, and more than 300 pieces of material were submitted to ICBC leasing." Wei Hongxing, assistant president of Lanxi branch of ICBC and chief of the company's business section, compared it with his hand, "stacked up enough to be seven or eight centimeters thick."

ICBC leasing has not long been involved in the equipment leasing business of small and medium-sized enterprises. In order to make ICBC leasing products more suitable for the characteristics and needs of small and micro enterprises, the industrial and commercial bank branches and ICBC leasing have been constantly communicating and coordinating, and have reached a consensus in simplifying the process, scale rationing and price concessions.

In January this year, the provincial branch of the industrial and commercial bank set up a small and medium-sized enterprise equipment leasing business working group, and equipped with two full-time auditors, responsible for the promotion of this business.

All efforts were not in vain, Wei Hongxing told us. "The reason why it took so long was that the materials submitted for application were delivered to the ICBC lease far away in Beijing, and the process was often lengthened because of the lack of materials.

Now the full-time team is responsible for the formal review of the materials submitted, and there is a lack of immediate feedback, which avoids the material going to Beijing for a lap and then making up the replacement.

As a result, the time limit for examination and approval of equipment leasing has been greatly accelerated. "In March this year, there were 9 businesses totaling 120 million yuan, all of which were released in the same month of the month, and the customers were very satisfied."

Moreover, "hundreds of equipment invoices are now ready to make a list, and the pressure on branches is greatly reduced."

With a steady stream of business in the province, members of the full-time team will run to Beijing in two days.

From 1 to February this year, the full-time group also carried out "equipment leasing" product training for 11 municipal branches in the province, pushing the business to the whole province to help more SMEs in technological pformation.

By the end of 4 2012, the province had completed 960 million yuan in financing and 51 households in loans.