More Than 1000 Shoe Companies In Chengdu Face 300 Financing Difficulties

Located in Wuhou District, there are more than 1000 small and medium-sized shoe manufacturers in China.

"30% of shoe companies have difficulty in surviving, 30% of them can basically maintain production and sales balance, and the rest of the business can still make profits.

The biggest problem facing small and medium-sized enterprises is financing difficulties. Because SMEs have no fixed assets and can not smoothly borrow from banks, it is very difficult to expand scale reproduction. "

Peng Jun, the head of women's shoes, said.

According to the CBRC statistics, the loan amount of major commercial banks exceeded 2 trillion and 200 billion yuan in the first quarter of this year, of which only about 300 billion yuan loans were implemented to SMEs.

Yesterday, in the survey of women's shoes in China, reporters met Min Hongyi, President of Huaxia Bank Yulin branch of Chengdu.

Originally, they have sent a customer manager in the women's shoes city for a year, hoping to find opportunities to provide loans for SMEs.

Minhang long told reporters that banks hope to provide credit services to good SMEs.

But the bank's credit service needs strict loan procedures. Because of the greater risk, Guarantee Corporation is unwilling to guarantee small and medium-sized enterprises.

It is understood that the Bank of China has been communicating with the shoe capital for up to one year. In this year, there are not less than 100 enterprises applying for loans to the banks, and there is no successful loan in the name of the enterprise.

In 2002, Sichuan Wanli Technology Development Co., Ltd. was established in Lijia shrine with a registered capital of 2 million yuan.

After 6 years of development, the scale of the two hundred or three hundred workers has become the size of the 800 workers now.

Yesterday afternoon, the reporter came to Wanli shoemaking factory and saw that the workshop still worked as usual, but many machines were idle, and only a hundred workers were working.

"Our annual output reached 800 thousand pairs last year, but over half of this year, the company's output is less than 300 thousand pairs."

Wu Yuchun said that the profit and loss balance of the company was 600 thousand pairs, and the company was still profitable last year.

"Our shoes 70% do foreign trade, 30% do border trade, RMB appreciation let every pair of shoes evaporate 0.5 dollars profit."

At the end of last year, the price of a pair of shoes was $7.3, and by the end of the year, the price of each pair of shoes was only $6.8.

"In order to attract more orders, we adopted installment payment to our customers.

For example, when the order is placed, the customer will pay 30%, and then deliver 30% when shipped, and then make up 40% after shipment two months later.

Of course, in this way, our need for liquidity is even greater, so we need to borrow money from the bank, but because of the collateral mortgage problem, it is difficult to get loans. "

Wu Yuchun said, "last year, when we invested in a branch factory, we originally wanted to borrow money from the bank. However, as the branch house was a rental house, the secured loan could not be run down, so we had to give up. Finally, we used the company's floating capital to invest in the branch plant."

Wu Yue, "because the registered capital is only 2 million yuan, the bank loans to me at most 1 million yuan, little effect."

However, due to the immature knowledge of the market and the high rent and so on, after a year's insisting, in June this year, the factory closed down with a loss of about 3000000 yuan.

How should we deal with the company's losses?

Wu Yuchun has some reluctantly said that at present, the operation of the company is basically maintained by profits in the past years. If one day can not go on, it will only allow workers to have a holiday and suspend production temporarily.

Chengdu Jia Rui New Footwear Co., Ltd. whose registered capital is 3 million yuan, is a new shoe making enterprise.

"In the second half of last year, due to two large orders, we secured 5 million yuan with the Guarantee Corporation."

After reviewing and evaluating the company's financial and assets, Guarantee Corporation decides to guarantee it.

Jia Rui, who has tasted the sweetness, is ready to borrow money from the bank again.

(10%) from the authority of the people's Bank of China, the people's Bank of China has agreed to increase the credit scale of commercial banks in 2008. In view of the fact that the main banks of small business financing are mainly local financial institutions, the increase in this area adopts the way of "district treatment", which has increased 5% on the basis of the original credit scale of the national commercial banks, and has increased 10% to the local commercial banks.

Recently, the head of the national development and Reform Commission said that the national development and Reform Commission is currently studying the establishment of a national SME bank with relevant departments. In terms of Taxation, it is possible to raise the tax scale standard of small and medium-sized enterprises from the annual tax amount to 300 thousand yuan to about 500 thousand yuan, and raise the income tax threshold.