Is Garment Enterprise Fighting For Financial Circles Because Of Fruit?

< p > productive clothing enterprise is one of the typical representatives of human resources and capital intensive demand in the manufacturing industry. It requires a certain amount of capital flow to maintain production and operation. At the same time, because of the popularity of the products, the cash flow can be reflued quickly.

Because of this, in 2012, in the storm of underground private lending in Zhejiang, garment production enterprises became one of the hardest hit areas.

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< p > clothing enterprises have no need to repeat the problem of bank loans. Although the state has introduced relevant support and assistance measures for productive enterprises after the loan crisis, it still can not fundamentally solve the financial institutions' control over the commercial lending funds of private and private businesses. In July 2013, the State Council promulgated the "ten countries of financial reform", hoping to revitalize more private commercial capital by combining state and private capital, while hoping to improve the operating pressure of private business enterprises.

Ninth of them specifically stated that "expanding private capital into the financial sector, encouraging private capital to invest in financial institutions and participating in the reorganization and pformation of financial institutions; allowing mature and stable rural banks to adjust their proportion of shares to other shareholders within the minimum stock ratio requirement; and try to start private capital banks, financial leasing companies, Consumer Finance Companies and other financial institutions by private capital."

As a result, some large garment enterprises began to open or invest in commercial banks across the border.

Among them, the Jiangsu red bean group was the most rapid. They submitted to the SAIC the registration application of "South of Jiangsu bank" and "tin merchant bank" (the whole name "tin Merchants Bank Limited by Share Ltd"), and were approved in advance in August 2013 and September respectively.

Although the final result is still hard to predict, the step of its daring attempt has become the forerunner of the garment industry.

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< p > clothing enterprises can win or solve what problems can they solve in the financial circles? Or, where are their interests? We can make a small test analysis: < /p >

< p > < strong > to solve the desire of garment enterprises to operate cash flow < /strong > /p >

< p > we can still take the red bean group as a case: in the first quarter of 2013, the net cash flow of Hong Kong Group was 44 million yuan, and short-term liabilities exceeded 6 billion 700 million yuan, accounting for more than 7 of current liabilities.

Under the situation that the main business clothing and rubber tire gross profit margin reduces and the market competition becomes more intense, the capital chain of the red bean group will become increasingly heavy.

However, there are numerous garment enterprises in the same predicament.

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< p > therefore, since the market has such a large demand for capital, the profit point will also increase.

By taking the banking industry as the basis, it can solve the desire of the self-employed enterprises for capital demand, and at the same time, it can also supply loans to the outside world.

In fact, it can add a cash cow that can be self controlled for the operation of the enterprise. There is no need to worry about the helplessness of the state-owned bank's "sunny day borrowing umbrella and rainy day recovery".

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< p > < strong > tends to gain more benefits from the business sector and gains more benefits than /strong > /p >

< p > private capital urgently needs to squeeze into the financial industry. Besides having its own capital business demand, it is also related to the current virtual economic income which is higher than the real economy.

Since the beginning of 2011, the current domestic consumption situation has shown the decline of the overall economic environment, and the market's decline in the quantity and demand of goods has caused many production enterprises to run into difficulties.

On the contrary, the rate of return on capital in banking and other financial services has gradually increased, even far higher than that of other industries, thus becoming a field for many capital to enter.

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< p > a "difficult" or "easy". This simple arithmetic problem will probably even be understood by the pupils.

Therefore, we will also see that many traditional entity entrepreneurs in Zhejiang's Middle East cities have abandoned the company's operations and turned to the financial sector.

This trip is a sign of whether it is a formal financial investment channel or private lending and fund-raising activities.

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< p > < strong > enhance the support of industry development and overseas cooperation < /strong > < /p >

China's export-oriented economy has gone through different ups and downs since the 90s of last century, and this downturn is due to the fall of the outward processing industry. P

With the pformation from "manufacturing" to "brand manufacturing", more and more garment enterprises are actively exploring and trying to upgrade their brand names and design products, or to popularize their already mature brands and products to the international market.

The result is financial capital support and assistance.

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Less than P, many international business practices are hidden behind many different investment banks and financial services institutions. On the one hand, they can provide more convenient and fast financial support. At the same time, highly internationalized and specialized judicial, business and market advisory services can reduce business risks for entrusting enterprises and make enterprises "go out" and "import" more stable.

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< p > < strong > enhance the retail consumption and value-added function of high-end commodities < /strong > < /p >

< p > although garment enterprises enter the financial field is an initial exploration, there are also some "warning lessons" for reference, such as financial loan and service companies of automobile production enterprises.

The automobile industry is a highly related industry. No matter in the different supply and service enterprises in the production process, or in the various vehicle sales terminals, the auto finance companies can provide financial support for the supply partners of all spare parts on the one hand, and provide commercial credit services to those customers who purchase their cars, so that funds are always recycled in the chain created by themselves, and then generate new benefits.

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< p > with the high-end and popularization of fashion consumption in China, the personal financial credit service for fashion consumption has begun gradually.

In the past, such services were mostly concentrated in large state-owned commercial banks.

However, with the participation of the financial services of garment enterprises, it will be highly integrated with the market consumer brands owned by garment enterprises. It can not only bring new interest growth points to enterprises, but also enable consumers to gather more high-quality consumers and achieve new business operation mode.

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< p > < strong > provide financial support for more growth enterprises < /strong > < /p >

< p > clothing enterprises, like clothing brands, will have a certain life cycle in the marketing process.

Therefore, enterprises need to be able to provide more pformation power to enterprises or brands at different times, or to make enterprises and brands more compatible with the development of the existing consumer market, or to absorb more powerful enterprises and brands.

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< p > such a large amount of capital and future business projected expenditure also need professional financial services institutions to participate.

Therefore, we can also see that in addition to the banking sector, the establishment of private equity funds to raise more funds for development of enterprises are also increasing, such as Shanshan Group.

Its Shanshan Holdings has invested in the field of financial investment, and has made achievements in banking, futures, equity investment and other fields.

Shanshan holding private equity fund through joint venture to invest in the two level market. Only a listed company, such as Ningbo bank, has more equity investment. The equity asset has created a larger investment income and cash flow guarantee for Shanshan holding company.

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< p > there may be more to say, but only with the above content we can see that the temptation of the financial industry to the garment enterprises is enormous.

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Some p observers may think that such behavior is "no business" or "blind expansion", but it is understandable from the point of view of commercial profit seeking.

The survival of enterprises may not be like a lot of people's understanding of "single" commodities.

If so, then the French logo car company should still be producing the "hammer", while IBM will also associate itself with "automatic meat cutting machine"! < /p >

< p > Zheng Lei, an expert on clothing brand planning and image building, lecturer in terminal operation.

Former researcher of the national clothing Productivity Promotion Center, has been appointed Navigare brand director of any famous clothing brand.

For a long time, it has helped the domestic and foreign clothing brands to develop and improve their own brand planning path, providing them with an excellent market image, participating in the brand's strategic development planning and marketing management guidance and training many times.

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