Chinese Garment Enterprises Rely More On Policies Than Themselves.

Interview with Mr. Sun Huaibin, director of China Textile economics research center, capital is the lifeblood, and the market is fundamental.

The survival of enterprises is inseparable from capital, and the development of enterprises can not be without market.

Smooth cash flow and expanding domestic demand market have laid a good economic foundation for the survival and development of enterprises.

The State Council's ten initiatives to boost domestic demand and promote economic growth have made Chinese clothing enterprises strengthen their confidence, rely on policies and rely on themselves.

The global financial crisis has led to a decline in demand in the international market, and the difficulty of stimulating China's economic growth by exports alone is increasing.

At this time, our government will expand domestic demand in a timely manner as the first choice to ensure stable and rapid growth of China's economy. Undoubtedly, it is a very important and wise move.

With the introduction of the ten measures to expand domestic demand and promote economic growth, the national economy has been affected by the international financial turmoil to a minimum. It has become the consensus of the whole society at present.

The ten measure involves people's livelihood, national infrastructure, social undertakings, medical and health technology, ecological environment and so on. This is also a relatively weak link in our national economy and requires the government to strengthen investment. These ten initiatives are also a major adjustment to China's macroeconomic policy.

In the ten measures, people have noticed that China's garment enterprises see bright sunshine in the "cold winter" in terms of "raising the income of urban and rural farmers", "increasing financial support for economic growth" and "implementing the value-added tax reform in all industries".

After the increase of farmers' income, can the increase of clothing consumption demand of low-income groups stimulate China's rural clothing market?

Increasing the credit support for technological pformation, merger and reorganization of small and medium-sized enterprises, whether it can really get the support of the government's credit policy for the intensive clothing industry of small and medium-sized enterprises, has become an urgent problem for Chinese garment enterprises to understand and solve.

In this regard, Sun Huaibin, director of China Textile Economic Research Center, made an in-depth interpretation.

According to the experts' analysis, the policy of starting domestic demand by the State Council will start from the most widely covered rural and urban low-income groups.

The state will increase the income of farmers in urban and rural areas by improving the minimum purchasing price of grain next year, raising the standard of agricultural comprehensive direct subsidy and agricultural machinery subsidy, and raising the level of social security of low income groups.

China's five hundred million or six hundred million farmers are the main consumers in the rural market. With the continuous expansion of the consumer market, especially the development of the rural market, it has become a potential consumer market.

Our country's independent clothing brand enters the rural market with low income consumption, which does not mean that the development of the brand should be reduced, but the differentiation and diversification of products, and the avoidance of homogenization competition, so as to meet the needs of different levels for the consumption of clothing products.

Sun Huaibin: the clothing industry is facing terminal consumption, that is, terminal consumption. It depends on the residents' income and consumption expenditure, and depends on the continuous expansion of market capacity.

We can see from the ten measures, though these measures still have some intermediate links from the clothing consumption market.

However, if these measures can bring great impetus to our economy, it will play a positive role in promoting clothing consumption, especially for rural market development.

China's clothing market has been continuously improving with the increasing income of our residents, and the consumption level has been continuously improved. With the influence of mass consumption, brand consumption and cultural fashion, the consumer market is also expanding. The most potential market should be the vast rural market.

Because five hundred million or six hundred million of the farmers are the main consumers of the market, their per capita consumption level, clothing consumption level and town and middle and high income class still have a certain gap.

The gap is potential.

In the ten measures, there are policies aimed specifically at the "three rural" and low-income groups.

In China, low income groups are mainly concentrated in rural areas.

If these measures can be implemented, the income level of the urban and rural residents, especially the rural residents, will be raised, and the amount of money in the pockets of farmers will increase, and the consumption of clothing will increase accordingly. This is a direct relationship.

At present, China's rural market is a low income consumer market, and it must also be the market where China's independent clothing brands enter the market. Foreign brands will not occupy the space.

Brand is a mark recognized by the market. Because of the imbalance of China's economic development, the clothing brand must face different levels of market, and what kind of market should be developed, so as to form the differentiation and diversification of products, and avoid homogenization competition at the same time.

The two source of confidence comes from the advantages of sun Huaibin: China has the largest consumer market in the world, and manufacturing has unique and irreplaceable position in the world.

With the growth of our national economy and the improvement of per capita GDP, the market will have a bright future.

We must have confidence in this regard.

This confidence comes from the continuous expansion of domestic market demand. On the other hand, it comes from China's strong clothing industry foundation and a complete industrial chain system.

The production and manufacture of Chinese garments have unique advantages all over the world, and are also irreplaceable advantages in other countries.

It is unthinkable that China's clothing production is going downhill and shrinking, and it is impossible for us to rely on foreign countries to dress.

The growth process of China's clothing brand is an inevitable choice for the upgrading of China's garment industry, and also an important sign of upgrading.

Brand consumption is the highest market level that an industry should achieve.

Financial support should be faster and more accurate. "Increasing financial support for economic growth" is the last step of the ten measures, and it is also the biggest financial support for small and medium-sized enterprises.

The measure will abolish the credit limit of commercial banks, expand the credit scale rationally, and increase the credit support for technological pformation, merger and reorganization of small and medium-sized enterprises.

According to the data, in China, the number of employees below 2000 or less than 300 million yuan or less than 400 million yuan is classified as a small and medium-sized enterprise.

In China, 99% of the textile and garment enterprises are small and medium-sized enterprises.

About the issue of SME loans, according to the central bank's data, 1~10 loans increased by 3 trillion and 660 billion yuan in the financial institutions this year, reaching the highest level in history.

The total amount of such loans has enabled many SMEs to get loans.

With the implementation of moderately loose monetary policy, loans will be further increased, and the financing difficulties of many SMEs will be significantly alleviated.

To understand the lifeblood of capital enterprises: Sun Huaibin: the issue of capital is the most concerned issue of clothing enterprises.

Capital is the blood of an enterprise and the lifeblood of an enterprise.

For the labor-intensive clothing enterprises, there is a general shortage of funds and lack of liquidity.

At present, many garment enterprises in China are closed or closed because of the breakup of the capital chain, which is a huge loss to the entire garment industry.

The issue of capital credit relates to the survival of enterprises, which is a major problem that needs to be solved urgently.

China's garment enterprises have no problems in processing, manufacturing, and management. However, if funds and orders are insufficient, they will become obstacles to the survival and development of enterprises. A considerable number of enterprises will face very severe difficulties.

If China's clothing enterprises have a large area of trouble, then a series of social problems will arise, such as the return of migrant workers, unemployment of workers and so on.

Therefore, financial institutions should attach great importance to it and regard financial support for SMEs as the overall situation of social employment stability.

Sun Huaibin's interpretation: two financial support must be accurate to the small and medium-sized enterprises with the greatest desire for capital: Sun Huaibin: the ten measures adopted by the State Council clearly put forward "increasing financial support for economic growth", abolish the credit limit of commercial banks, expand credit regulation rationally, and increase credit support for technological pformation, merger and reorganization of small and medium-sized enterprises.

As an industry organization, we hope that the measures can be truly implemented through financial institutions at all levels, especially to the small and medium-sized enterprises with the greatest desire for capital, so that Chinese clothing enterprises can get a real monetary guarantee in moderately loose monetary policy.

In the current credit business of commercial banks, there are certain prejudices or prejudices for small and medium-sized enterprises.

For example, floating on the basis of the benchmark interest rate, unreasonable fees, etc., these have increased the difficulty of clothing enterprises to obtain funds through credit channels.

Financial institutions should have full confidence in the positioning and market prospects of China's garment industry in China. The garment industry is alive in China. We must implement the central policy conscientiously and make the funds flow to the garment enterprises with labor-intensive and export competitiveness. At the same time, financial institutions should be fair and impartial in the credit process, so that enterprises can obtain credit funds and let the sun shine to where they shine.

The new mode of joint exploration of credit guarantee is learnt that the central finance department will further increase the support for loans to small and medium enterprises in the near future. In particular, it is necessary to give further support to the construction of SME guarantee system. The Ministry of Finance and the Ministry of industry and information technology jointly formulated policies and regulations on supporting SMEs' guarantee system in the near future.

In this regard, the Ministry of industry and information technology will strongly support the establishment of a financial service system for small and medium-sized enterprises, and vigorously promote the innovative financial products of financial banks to encourage financing.

At the same time, it is necessary to establish an enterprise credit collection evaluation and information system for small and medium-sized enterprises, so as to help SMEs regulate their business activities and get financial support.

In this work, the China Textile Industry Association is also making vigorous efforts to explore joint with local governments, and find a new way for the small and medium enterprises intensive clothing industry to get credit guarantee.

Sun Huaibin: clothing enterprises must have guarantee agencies if they want to get the support of credit funds.

To this end, local governments are actively doing all kinds of work.

Our industry organization will also make some comments on the qualifications, development level and heights of some garment enterprises from the perspective of the industry.

In order to enable garment enterprises to effectively obtain credit guarantees, industry organizations are actively consulting with local governments. They hope to unite and work on capital guarantee for those clothing enterprises with market, brand and strength.

Of course, how to form a new type of guarantee organization through a channel to serve the small and medium-sized garment enterprises is still a tentative idea. We are also actively promoting this work.

We should explore a new guarantee mode that allows local governments to accept, financial institutions to accept, and industry organizations to accept, especially for China's garment industry cluster area.

Two, strengthen Sun Huaibin's credibility with his credibility. For garment enterprises, the most important thing is to ensure the smooth flow of cash, which is a matter of great importance to enterprises.

Clothing enterprises rely not only on government support, but also on their own efforts.

In the local government, national financial institutions and industry organizations, we should actively explore the joint efforts to make financial guarantees for SMEs in a new mode. At the same time, as garment enterprises, we should do well in building their own brands, have good business performance, have a real and objective financial situation, have a standardized management system, and be able to objectively and truly display their strength in the scope of financial institutions' evaluation, instead of making false loans in order to obtain secured credit support.

In doing so, it will not only be harmful to the development of the enterprise itself, but also destroy its reputation and bring risks to the financial institutions.

Wen Jiabao, premier of the State Council, held in November 10th at the meeting of the leading comrades of the provincial people's government and departments, "can the ten measures be"?