Where Will Wenzhou'S Footwear Industry And Other Enterprises Go?

From September to October this year, the first batch of small loan companies in Wenzhou will officially start business, and the small businesses that are difficult to lend to banks will get new financing channels. This is the first policy that the central high level has recently launched to Zhejiang after investigation. The aim is to alleviate the financing difficulties of Zhejiang's local SMEs and to dredge Zhejiang's active underground financial capital.

Wenzhou has a large number of small and medium-sized enterprises, and it is also a region where private capital is very active. What kind of impact will this national policy regulation have on the economic environment of our city?

Why do private enterprises in Wenzhou often suffer from a shutdown after entering the 2008?

With all kinds of problems, reporters visited related people and enterprises - Zhou Dewen: looking for reasons from the root.

From the mouth of Zhou Dewen, President of the small and Medium Enterprises Promotion Association of our city, I understand that the problems of private enterprises in our city are always concerned by him. The reasons for their existence are historic and inevitable.

Reporter (hereinafter referred to as "Ji"): Hello, President Zhou, as far as we know, Wenzhou's private capital is very active, while some small and medium-sized enterprises are facing bankruptcy due to financial difficulties. What do you think of this?

Zhou Dewen (hereinafter referred to as "Zhou"): Hello.

The private enterprises in Wenzhou now have a scale of about 16.7, most of them belong to small and medium-sized enterprises. The disadvantages of their production and operation patterns are not formed overnight. They can be analyzed from the following reasons: first, the environment: the government plays an irreplaceable role in the development of small and medium-sized enterprises. In recent years, although the government has realized the important position of small and medium-sized enterprises in the national economy and has taken some measures, the situation faced by SMEs has not changed fundamentally.

Overall, the government's support for SMEs is obviously insufficient.

The government has been tilting to large enterprises, and SMEs have basically not been given equal opportunities to compete.

The two is talents: small and medium-sized enterprises in Wenzhou are mostly developed from family workshops. Family management is the main business. The main duties of enterprises are family members. The right of decision-making lies in the owners of enterprises. Due to historical reasons, most of the small and medium enterprises in Wenzhou are less educated and have no systematic training in modern management knowledge. Because of the "exclusion" of family businesses, small and medium-sized enterprises have been excluded from the "natural" nature of foreign talent, making foreign talents on pins or needles, or holding their tails, or leaving them. Therefore, small and medium-sized enterprises in Wenzhou are mostly lack of talents.

The three is capital: the shortage of funds is the biggest "annoyance" in the growth of SMEs in Wenzhou.

In the eyes of outsiders, Wenzhou is a place rich in oil. Last year, the balance of bank deposits in Wenzhou was about 120 billion. Wenzhou's small and medium-sized enterprises lack money, and many foreign scholars and journalists do not believe it. In fact, Wenzhou is indeed: the private sector has huge financial resources, while the vast majority of SMEs are distressed for lack of development funds.

The first is the system, and the two is the credit problem of small and medium-sized enterprises. Small and medium-sized enterprises are small in scale, weak in strength and slow in their accumulation. In order to develop rapidly, they need financing, so financing is the biggest problem for small and medium-sized enterprises.

Reporter: so what do you think of the listing of small loan companies?

Will its listing help the expansion of financing and reproduction of the financing and credit of Wenzhou enterprises?

Zhou: small loan companies, as a distinct new thing with regional characteristics, indicate that China's finance has begun to enter a new stage of opening up to the outside world. As an innovative way, it is definitely a good thing in the long run.

Through the Guarantee Corporation, Asset Management Co, pawn and other ways, the survival space of private finance will be smaller and smaller under the impact of the large commercial banks' lending to small and medium-sized enterprises and so on. As long as management standards are standardized, small loan companies will have great room for survival.

The pilot project of small loan companies has obvious guiding significance for such a region in Wenzhou, and has a great role in regulating and guiding private lending.

Reporter: what are your suggestions for the future development plan of Wenzhou private enterprises?

Zhou: I personally believe that in the light of the reality of Wenzhou, the promotion of sustainable development of SMEs can start from the following aspects: first, increase the policy tilt and create a favorable environment for the development of SMEs.

Two, formulate development plans and take effective measures to promote the growth and modernization of small and medium-sized enterprises.

Three, break the "only ingredient theory" and increase credit support for small and medium-sized enterprises.

Four, speed up the pace of technological pformation to achieve technological innovation of SMEs.

Five, develop international cooperation to help SMEs expand the international market.

Six, gather management talents to improve the quality and management level of small and medium-sized enterprises.

Seven, care for small and medium-sized enterprises, establish and improve the social support system and service system of small and medium-sized enterprises.

CCB: the small loan company has little influence and the banking business remains stable. For the issue of whether the listing of small loan companies will compete with the financial and credit aspects of the banks, the reporter visited the customer service department of the small and medium enterprises center of the Wenzhou branch of China Construction Bank, and was informed by the head of the Department that the upcoming small loan companies had little impact on bank credit business and control policies. According to the survey data of the bank, the number of SMEs in Wenzhou is about 25.4, and there are only more than 1600 private enterprises with long-term credit dealings with the bank.

Although in the first half of the year, the sales and settlement flows of the labor-intensive industries such as the footwear industry have been reduced, they still remain at the normal level of fluctuation.

Therefore, this financial wave has not caused much more losses to the clients of bank credit business. In view of the "Wenzhou 20% enterprises closed" disclosed by other media, the bank said that through investigation, most of these enterprises are self closing or shutting down their jobs to find another way out, which is a strategic change in the way of business operation. It is not a real bankruptcy caused by the defects of the economic system, the impact of market competition, the influence of government intervention, and the inadaptation of macroeconomic policy adjustment.

At the same time, the bank leaders also analyzed the reasons why Wenzhou's small and medium-sized enterprises were borrowing and lending by themselves. First, lending has the function of raising funds quickly.

Enterprises rely solely on their own capital accumulation, it is difficult to meet the needs of the expansion of reproduction, and the use of private financing and borrowing can make up for the defects of their own funds, seize the opportunity and gain more benefits.

Two, it can reduce the capital loss caused by inflation.

Debt usually has to be mature before it returns principal and interest. When market interest rate is lower than inflation rate, corporate lending is actually pferring the risk of currency depreciation to creditors.

Three, raising funds by means of liabilities can also increase the total amount of funds and not control the controlling rights of enterprises, so as to protect the rights and interests of the original shareholders.

And how to grasp the degree of corporate debt is the key to the survival of Wenzhou enterprises in the market turmoil.

The policy of making good use of birds is not obvious. The Secretary of the board of directors of Fang Xiaobo, the board of directors of the news bird group, has interviewed reporters about the impact of the small loan companies on the small and medium-sized board enterprises and the current situation of enterprises.

Fang Xiaobo said that the regulation of public microfinance companies to standardize the listing is the key, but it has little impact on the news bird group, and the group will not participate in the declaration of the small loan company.

When it comes to the impact of the control policies of banks' money and credit on the enterprises, Fang Xiaobo told us that from the second half of last year to the beginning of May this year, the company began to feel tighter in the credit policy of banks. This is inseparable from two reasons: first, the credit threshold of banks has improved, and the auditing and rating authorization of loan companies have been more stringent and harsh; second, the increase of loan interest rates has increased the burden of loan companies.

Overall, policy is still tight, but growth has begun to slow down.

On the media reports of the failure of Wenzhou's "20%" enterprises, Fang Xiao also expressed his own view that a number of enterprises failed because of the natural laws of the market survival of the fittest, the impact of market competition and other adverse factors would cause a certain number of enterprises to go bankrupt; however, some other enterprises were not really bankrupt, but they could avoid the impact of the financial wave through stoppage and half stoppage.

When asked about the development forecast of the domestic garment manufacturing industry in the second half of the year, Fang Xiao said that the second half of the year is not very good, but it is not yet pessimistic. Due to various factors such as the depreciation of the US dollar, some foreign trade processing enterprises in China will be sold from abroad to the domestic market. Their high quality products will inevitably cause some pressure and impact on the low-end brands of domestic garments, and the sales decline will not be very great for the middle and high end routes.

Shoemaking industry: AOKANG is facing the difficult position and grasps the industry turning point as the leader of Wenzhou footwear industry. The reporter conducted a field visit to AOKANG.

The head of relevant departments of AOKANG group said that the market prospect of China's footwear industry was unpredictable; the energy crisis still puzzled the industry, international oil prices remained high, domestic competition intensified, and the market was encroached on by many parties.

China's footwear industry is walking on the road from power to power.

In fact, the direct impact of AOKANG is not big, AOKANG orders are still many, production and sales are in normal operation.

But the EU anti-dumping investigation has great influence on China's footwear industry.

If we talk about the adverse effects, the shoe industry is a labor-intensive industry, and the shoe industry will be hit, and millions of jobs will be affected.

But on the other hand, this is also a good thing. It forces the shoe industry to pform and innovate, and must build its own network.

So the shoe industry can have hope.

Responsible person said that under all kinds of bottlenecks, pformation is imperative.

Some experts say: the next few years will be a critical period for China's footwear industry. If it fails to pform smoothly, it will be ruthlessly eliminated by the market.

In March 20, 2008, AOKANG group held the "Pan Pearl River Delta regional large-scale investment fair" in Dongguan, Guangdong. This investment fair indicates that it is stepping up the pace of pformation of marketing mode.

For the change of marketing mode, Wang Zhenquan, vice president of AOKANG group, summed up two models: "1+N" mode and "zero risk" agency mode.

The meaning of "1+N" means that "1" stands for flagship space or single brand flagship store, and "N" stands for multiple stores.

And "zero risk" agency is to adopt the way of "bottom guarantee plus business commission" to ensure that the agent does not take any risks.

Agents are mainly responsible for store leasing and maintenance of local public relations, and the rest are responsible for the completion and cost bearing of enterprises.

Wang Zhenquan believes that footwear industry will always be a sunrise industry in China, rather than a sunset industry.

Because China is too big, the regional disparity is also very obvious, the eastern cost rises, can pfer to the west to develop.

So the shoe industry in other countries may have ten years and twenty years of development opportunities, and in China, as Deng Xiaoping said, fifty years of the same, there should be no problem.

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