The Financing Difficulty Of Smes Is Very Prominent. The Textile And Apparel Industry Expects The Government To Introduce Effective Financing Policies.

< p > recently, the author took stock of the "two sessions' admonition" of this year's "a target=" _blank "href=" http://www.91se91.com/ "textile" /a "a target=" _blank "href=" _blank "and" garment "industry" two sessions ".

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At the P meeting, Xu Aihua, chairman of the National People's Congress and chairman of Zhejiang Hualian Group, mentioned that the financing difficulty of SMEs is very prominent, which has seriously affected the operation and development of enterprises.

He appealed to improve the financial environment of small and medium-sized enterprises as soon as possible and provide support for the financing of small and medium-sized enterprises. You Xiaoping, chairman of the National People's Congress and chairman of Wenzhou Huafeng spandex Co., Ltd., said that small and micro enterprises now account for more than 90% of the total number of registered enterprises in China, providing 75% of employment. However, the problem of financing can not be effectively solved.

He hoped that the state would introduce relevant policies to make small and micro enterprises out of the woods. Gao Dekang, NPC deputy and chairman of Bosideng Limited by Share Ltd, said that SMEs are the foundation of industrial development, which is related to people's livelihood, employment and social harmony and stability. However, these enterprises are the most hardworking but not making money.

At present, SMEs are facing difficulties in financing, which will bring risks to the development of the whole industry.

He hoped that the government could introduce relevant financial policies to support it.

In addition, Qiu Xinhai, chairman of the National People's Congress, chairman of the Jiangxi Da Da Home Textile Co., Ltd., Qiu Yafu, chairman of the National People's Congress and chairman of Shandong Ruyi Technology Group Co., Ltd.

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< p > "pformation and upgrading of manufacturing industry is a problem that textile and garment enterprises must face.

In addition to continuing to improve the internal strength of enterprises, we need to use the power of capital to actively "go out".

Although Qiu Yafu is talking about going out to make use of international capital and resources, the root of the problem is still "bad money".

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< p > as China's important livelihood industry and international competitive advantage industry, the development of a href= "http://www.91se91.com/" > textile > /a "is facing unprecedented financial strain.

The delegates of the two sessions took the responsibilities of delegates and expectations for the development of the industry. They hoped that the state would provide financial support to the textile enterprises in terms of credit and financing, and promote better and faster pformation and upgrading of industrial enterprises, so as to gain more room for development, thus promoting the high quality, healthy and rapid development of the whole industry.

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< p > as a traditional industry, due to the impact of macroeconomic regulation and control, low added value and low profit, the financing of textile and garment industry has been difficult for many years, especially the financing of small and medium enterprises, which is the overwhelming majority of the textile and garment industry, has been a difficult problem for the industry.

Whether it is normal production and operation, or expansion of scale, upgrading and lack of funds, textile and garment enterprises are struggling.

Since 2007, the textile and garment industry has obviously felt the pressure of credit crunch.

This trend has become more serious since the outbreak of the international financial crisis, especially in textile SMEs.

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< p > February 27th, the National Federation of industry and Commerce held a news conference in 2014 to announce the proposal of the Federation of industry and commerce at the two sessions.

According to the data of the proposal, 90% of the private enterprises in the development of the biggest bottleneck is the shortage of funds, the biggest difficulty is lack of money, especially 99% of the small and medium-sized enterprises financing is difficult, about 60% of the private enterprises in the bank can not borrow money, they are faced with the high cost of capital use, the risk of gold chain break up and other issues.

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< p > recently, Zhang Yansheng, secretary general and researcher of the national development and Reform Commission academic committee, believes that at present, China's textile industry urgently needs to solve some bottleneck problems, namely, lack of technology, lack of talents, lack of orders, lack of financing and lack of standardization.

Undoubtedly, these bottlenecks directly affect the pformation and development of the textile industry, and financing is the most common problem.

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< p > how to solve this problem? The industry has been thinking and working hard.

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< p > industry organizations have been making every effort to submit information to the state through various available channels, calling on the state to introduce corresponding support policies so that they can benefit the people; local industry organizations have been trying to "engage in relations" with local banks, hoping that banks will give the enterprises green light from time to time in terms of the contribution of the textile industry to the regional economy, while the industry enterprises are making every effort to let banks believe in their strength and lend money to themselves.

However, the results of these efforts are not very satisfactory.

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< p > 2011, in order to solve the financing problems of Zaozhuang's small and medium garments < a href= "http://www.91se91.com/" > Enterprise < /a >, the Zaozhuang textile and Garment Association of Shandong, in cooperation with Shandong industrial and commercial bank, solved the financial problems of some enterprises in the form of "corporate collective insurance". However, this way was restricted to only those participating in the joint insurance business, so the coverage was very limited, and the amount of financing was restricted by the total assets of the joint venture enterprises and the integrity of participating enterprises.

Practice has proved that the way of obtaining funds in the form of corporate joint insurance is not yet mature and operational. There are also problems in different places such as Guangdong and Dongguan. As the most popular Minsheng Bank in 2013, its small loan business has been widely covered, but the amount of funds is too small to meet the capital consumption of industrial enterprises.

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< p > because of the difficulty in obtaining loans from banks, many enterprises have to take private financing as an important channel.

However, due to the irregular behavior of private financing in China, the cost of loans has been rising year after year, the burden of enterprises is heavy, profits are further squeezed, and even profits are not up to the interest of loans.

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< p > in view of this situation, many industry experts sigh with varying degrees. Under the situation that the international economic fundamentals have not changed significantly and the pformation and upgrading of the textile and garment industry is not in place, the financing difficulties of the textile and garment industry will always be serious, and capital is the key factor for the pformation and upgrading of the business enterprises.

At present, what we can do is to balance the "internal strength" within the enterprise and the external coordination.

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< p > first, enterprises should practise "internal strength", broaden the financing channels, enhance the comprehensive strength of enterprises, let the banks that are "poor and rich" fully see their potential and directly solve the financing problems; at the same time, actively use the way of issuing corporate bonds and stocks to convert private capital into investment; seize the opportunity of the new three board policy launched by the state, and create favorable conditions for small and medium sized enterprises to go public.

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At the same time, governments at all levels should fully recognize the contribution of the textile and garment industry to the regional economy, and guide financial institutions to attach importance to the financing of small and medium-sized enterprises. P

Of course, local governments can have the financial resources to give "real gold and silver" the best; financial institutions should make innovations in financing products, fully take care of the needs of different stages of development of enterprises, especially to develop some new medium and long-term financing products for the development of textile industry in backward areas; during the two sessions, the news of speeding up the entry of private banks by the CSRC and state banks is undoubtedly a good thing.

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< p > in addition, enterprises should make full use of advanced network technology to participate in the construction of P2P network lending platform, enlarge the customer base, break the original "face to face" lending mode, and improve the allocation efficiency of the credit market to idle funds in the society.

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< p > the industry is looking forward to the rapid and effective financing policy of the country as soon as possible. The author is also looking forward to it.

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