Wenzhou Shoe Enterprises Need Blood Pfusion And Help Themselves

A series of tilt policy for small and medium-sized enterprises, so that they seem to see the vitality.

But in the view of Zhou Dewen, President of Wenzhou Association of small and medium enterprises, the actual role of the policy has not yet been pmitted to SMEs.

In addition to policy support, the rebirth of Wenzhou's small and medium-sized entrepreneurs obviously needs to find their own way of pformation or upgrading.

The small loan company, the first pilot in Wenzhou, will be open as early as mid October.

However, compared to the tens of billions of small and medium-sized enterprises in Wenzhou, the total loan amount of 3 billion 200 million is obviously a drop in the bucket.

July 14th: small loan companies began to pilot Wenzhou.

However, this small loan company with too much expectation has obviously failed to make the chief executives of 36 SMEs in Wenzhou dream.

Wenzhou, because of its benchmarking position in China's private enterprises, has also been somewhat tilted by the policy tilt because of the outcry of Zhou Dewen and others. Originally, 11 districts and counties in Wenzhou had only one pilot location for small loan companies in each district and county, and then increased to 16.

Although the slanting policy is hard won, in Zhou Dewen's view, these 16 small loan companies can not save all the small and medium-sized enterprises in Wenzhou in distress.

According to the relevant regulations, each small loan company in Wenzhou has a maximum scale of 200 million yuan, and 16 small loan companies can provide up to 3 billion 200 million yuan of funds.

"In fact, it still does not reach 3 billion 200 million yuan, which may be 200 million yuan in the urban area and 100 million in the county, 50 million."

Zhou Dewen said.

So, how big is the gap between the 36 SMEs in Wenzhou?

According to Zhou Dewen's estimate, 20% of the small and medium-sized enterprises have been cut down and half stopped, and the remaining 80% of the small and medium-sized enterprises also have tight funds.

Zhou said frankly that the funding gap is hard to calculate.

"The growth of the amount of private loans can be seen."

In 2007, Wenzhou's private lending capital was 45 billion yuan, and this year's scale has increased to 60 billion yuan.

"I estimate that private lending needs another 40 billion yuan, which may alleviate the problem of capital shortage."

Zhou Dewen inspects that the days of SMEs in Wenzhou are not the most grieving.

"There are all these situations in the whole country, but Wenzhou is a benchmark, and it is more concerned. In fact, 42 million small and medium enterprises in China are facing financial difficulties."

Wenzhou has a habit of breaking up debts at the end of the year.

If you borrow the money, before the Spring Festival, the creditors will try their best to ask for money, but the debt will not reach the end of the year.

But how many companies can survive?

Due to the fact that the chain of policy pmission is often longer, it is still necessary for some preferential policies to really benefit small and medium-sized enterprises.

Take the pilot project of the small loan company that has just started as an example, and it has just started a pilot project, so "these enterprises are very cautious, and they will also choose small and medium-sized enterprises with less difficulties.

Those small and medium enterprises with very tight capital chain may not be able to borrow money.

Zhou Dewen's worries are not groundless.

In September 16th, when the money was loose, the people's Bank of China decided to lower the benchmark interest rate and deposit reserve ratio, and create a relaxed financial environment for SMEs.

Affected by this, the dividend policy will extend the loan amount to 1 billion yuan in Wenzhou.

However, the head of a commercial bank told Zhou Dewen, "these expanded loans will still choose large and medium-sized enterprises. SMEs will have difficulties. I will lend them too much risk."

In fact, after the disillusionment of bank loans, many small and medium-sized enterprises have turned to private capital.

"These enterprises that borrow from private capital may be in debt before the Spring Festival."

In Zhou Dewen's view, only after the end of this year, the next year's tax cuts and other favorable policies continue to introduce, the spring of SMEs will really come.

"After the end of the year, the difficult period of these enterprises is really over."

But can small and medium-sized enterprises in the current situation survive?

A widely spread argument is that some enterprises in Wenzhou who have suffered from financial difficulties have been caught in a dilemma. "Production is dead and production is slow."

However, in Zhou Dewen's view, perhaps all of this may not be a bad thing.

20% there is little room for growth in small and medium enterprises that stop production and half stop production.

Their general characteristics are relatively backward technology, relatively low entry threshold and weak competitiveness.

"This collapse can actually promote the upgrading and upgrading of SMEs in Wenzhou."

Sheng Yueming, a research fellow of the Institute of industrial economics of the Chinese Academy of Social Sciences, told reporters that during his inspection in several places, he found that the days of SMEs in Jiangsu were better than those in Zhejiang and Guangdong.

"These entrepreneurs have relatively high cultural quality. When they first started their business, they chose industries with relatively high threshold and relatively high technology content."

For example, he said, some small and medium-sized enterprises in Jiangsu produce mechanical and electrical products supporting parts. Because of the high technical threshold of these production facilities, the demand for products such as CPI, which is higher than that of everyday consumer goods, will be greatly reduced.

While looking forward to activating private capital, while small and medium-sized enterprises are in trouble when they can not borrow money, 600 billion of Wenzhou's private capital is also worried about finding the right way out.

Although the good policies of small and medium-sized enterprises have been introduced frequently, however, because the lending banks and small loan companies are unwilling to take risks, is there no return to the most stressful SMEs?

Zhou Dewen believes that the government should implement broad finance in terms of tax reduction, and at the same time liberate the internal financial market.

Because he found a strange phenomenon: in the small and medium-sized enterprises in order to lend money to get into trouble, at the same time, Wenzhou folk 600 billion of private capital is also unable to find the right way out and worry.

In Zhou Dewen's view, the liberalization of internal finance is clearly a good way out.

"The government should formulate policies to bridge the gap between private capital and small and medium-sized enterprises."

Zhou Dewen found that private capital in Wenzhou is now returning.

He contacted some small and medium-sized owners, have sold their houses in Beijing and Shanghai, and got millions of yuan of funds. "The house is not fried, first save the life of the enterprise."

In the eyes of Zhou, 600 billion of Wenzhou's private capital can only solve all problems by taking 1/3 out of it.

His reason is that even if the state does not legalize the flow of funds, the underground banks will not be able to contain it. And because of the difficulties of private lending, the interest rates of these underground banks are more than several times that of the bank.

"Since it can not be blocked, it is better to dredge up."

In addition, if the local capital is lending to each other, the credibility mechanism is relatively easy to solve.

Zhou Dewen said, "all locals know each other better."

Wenzhou's local eyewear company has just struggled out of the mud.

This Sunglasses enterprise is doing foreign trade, and its business has been very good.

The gross profit of sunglasses is around 5%, but after the appreciation of RMB, their gross profit dropped to 1%.

The boss is very depressed: continue production may lose money, and once the production is stopped, the customers on hand will be lost. Obviously, he will not be reconciled.

Later, the business owner and foreign customers discussed a countermeasure: because the demand of foreign customers for some fashionable metal glasses is very large, and the added value of this metal spectacle is relatively high, gross profit is about 12%.

So they simply reformed the production line and began producing metal lenses.

While many local SMEs are struggling, the eyeglasses business can still perform well.

However, experts also remind us that the upgrading of the production line can not be too great while upgrading and pformation are being carried out.

If the reform is too big, the cost will be greatly increased in the short run.

In addition, while upgrading, we should not abandon old customers, and strive to tap new demands of old customers.

"We can reduce some departments, and their work can be outsourced and reduce costs."

Lv Zheng, director of the Institute of industrial economics of the Chinese Academy of Social Sciences, suggests in China's industrial cluster forum.

When Lu inspects in Shanghai, he finds that there is a design room in Shanghai. These young artists specially design for small and medium-sized enterprises, and find the small and medium-sized enterprises that they are designing, thus saving the hiring costs of the designers.

"For small and medium-sized enterprises, financial personnel, lawyers, and so on, do not need one enterprise to invite one, so the manpower cost will be reduced a lot."

Mr Lu said that small and medium-sized enterprises still need to specializes. Even if they produce only one component, they may produce small giants.

"You can achieve the best in the production of parts, and the prospects will be good."

He believes that small and medium enterprises should withdraw from areas they are not good at, and specializes in products that are best and most profitable.

"In this way, we can make the most effective use of relatively tight funds to maximize the benefits."

For example, he said there was an enterprise in Yizhuang, Beijing. The boss was a professional and had a high cultural quality.

His enterprise produces parts for an internationally renowned enterprise.

Because they are affiliated to the leading enterprises, their product sales have been guaranteed, and now they live very well.

Sheng Yueming also gave the small and medium-sized enterprises another prescription: they might as well work hard on creativity.

For example, in Zhejiang, Guangdong and other places, there are many small and medium garment enterprises, their technology content is also low, entry threshold is not high, easy to produce vicious competition, but "can pursue creativity in design".

For example, he said, leather industry in Italy is a typical traditional manufacturing industry, and its technological content is not high. But because of their leading edge in design and high added value of commodities, SMEs are still full of vitality.

At present, there are several ways that Wenzhou enterprises are exploring: go to the West: for example, AOKANG group westward into Chongqing, thus leading a group of enterprises to go.

Transfer to overseas: for example, haw shoemaking is planning to invest in the construction of the African shoe capital industrial park.

Internal integration: for example, some small and medium sized enterprises in Wenzhou begin to combine group or affiliated big group company.

At home and abroad, about 10 companies in Wenzhou are ready to list at home and abroad this year. Two of them will be listed on the Singapore stock market.

In the next four or five years, there will be 50 companies ready to go public.