Innovating Financial Mechanism, Making Small And Medium Shoe Enterprises New Blood Constantly

Core statistics: statistics show that in 2007, SMEs' direct financing to banks only accounted for less than 2% of the loan amount, and complicated procedures, loan guarantees and stringent guarantee conditions, and high cost of loans were the main reasons for the difficulty of loans for SMEs.

To solve the problem of enterprises, last year, on the basis of community finance, the Wuhou District and district governments took the lead in innovating the implementation of the secured loan system in the city. The Wuhou Industrial Park Management Committee invested 30 million yuan to set up the Credit Guarantee Corporation of Wuhou small and medium-sized enterprises, which set up an effective intermediary platform for the small and medium-sized enterprises in the park to realize quick guarantee financing.

Chengdu Bo high tech limited liability company is an ordinary small and medium-sized enterprise in Wuhou Industrial Park. Since last year, the person in charge of the enterprise has been worried about the loan.

This year, with the aggravation of the financial crisis, the development of enterprises is in urgent need of funds.

Recently, the credit Company Limited by Guarantee of Chengdu Wuhou small and medium-sized enterprises extended assistance to BOGAO company, and provided 3 million loans to solve the urgent need of enterprises.

It is understood that, in order to solve the financing problems of SMEs, the Wuhou District and district governments have pioneered the establishment of Chengdu Wuhou SME credit Company Limited by Guarantee last year, with a total registered capital of 100 million yuan and a registered capital of 35 million yuan.

At present, it has provided 13 million yuan guarantee loan for 4 enterprises of Chengdu Bo Hi Tech Co., Ltd. and Sichuan de Mei Environmental Technology Co., Ltd.

It is difficult for small and medium-sized enterprises to raise funds. The government has increased financial support. It is also facing loan difficulties. There are also many shoe enterprises in Chengdu. A shoe enterprise official said: "at present, the economic situation is not good, buying raw materials can only be cash pactions, can not be postponed to cash, and the capital turnover of enterprises is not serious.

Order reduction is unavoidable, but orders can be reduced, enterprises can still support for a period of time, but once the capital chain is broken, enterprises will suddenly die.

According to introduction, there are only two ways for small and medium-sized enterprises to solve the financing problem: first, loans to banks, and two to private lending.

Among them, the condition of bank loan is extremely harsh, and there must be collateral for production lines, factories, and so on, and it will be discounted in the assessment, and the loan amount is very low.

This is limited to the situation of good operation of enterprises. Now, in the special period of economic depression, the loan of small and medium-sized enterprises is even more difficult.

To protect enterprises is to ensure development. In the crisis, our government should certainly help enterprises.

Last year, Liu Shoucheng, Secretary of the Wuhou District Committee, and Liu Yuquan, President of the District Committee, went deep into the research of the park enterprises, decided to increase the financing support for the growing enterprises, and boldly carry out the financial mechanism reform on the basis of community finance. In the whole city, the Credit Guarantee Corporation set up the small and medium-sized enterprises in Wuhou District to provide financing guarantee for small and medium-sized enterprises.

In order to ensure that the enterprises provide guarantee during the implementation process, the district and district governments have to dispel the concerns of the banks and ensure that every loan bank can repay the money on time. A trial insurance committee composed of the regional tax bureau, the commerce and Industry Bureau, the science and Technology Bureau, the Industrial Park Management Committee, the functional departments and the Guarantee corporation legal advisers are set up.

The members of the trial Protection Committee conduct on-site inspection, verification and demonstration on the operation status of the enterprises applying for loans and the company's financial affairs.

In the selection of enterprises, we should not take the size of the enterprises as the loan conditions, decide the choice of loans instead of the ownership of enterprises, pay attention to the level of efficiency and the degree of honesty and credit.

For example, technology oriented enterprises with potential for development and rich people's industries (such as footwear industry, construction industry, etc.) that can provide many jobs are all objects of guarantee.

At the same time, it also helps guide enterprises to tide over difficulties and encourage enterprises to develop.

For example, we should help enterprises to contact raw material suppliers, provide high-quality technical talents for enterprises, and guide enterprises to pform key technologies with high and new technology and modern applicable technologies, so as to improve manufacturing level.

In the interview, reporters found that although businesses across the country were deeply aware of the impact of the financial crisis, although many enterprises were in trouble or even closed down due to the fragmentation of the capital chain, enterprises and projects in Wuhou District were strongly supported by Bibi capital, which kept them in a good position in the development of production.

The responsible person of the district government introduced that in order to implement the spirit of the work conference of the District Committee and ensure the realization of the first quarter's goal, the district development and Reform Bureau took the lead in coordinating with the Chengdu municipal small and medium enterprises Credit Guarantee Corporation, Chengdu small business Guarantee Corporation, Chengdu bank, City Rural Credit Union and Wuhou small and medium-sized enterprise credit Company Limited by Guarantee to carry out the SME financing guarantee special action.

Up to now, 31 loans have been granted in the area, and the amount of guarantee has reached 74 million 650 thousand yuan. By carrying out this activity, the company has enhanced the confidence of enterprises in dealing with difficulties, and has been well received by enterprises and achieved good results.

At the same time, Wuhou District also said that it would further innovate the financial mechanism to enhance the ability of enterprises to resist the cold spell of the financial crisis, learn from the successful experience of developed countries in developing policy finance, and set up a policy oriented financial institution suitable for the development of small and medium-sized enterprises.

In view of the fact that a large number of small and medium enterprises in the high and new technology industry are generally short of funds to start businesses, we can pilot and set up corresponding policy banks for small and medium-sized enterprises, establish equity funds, engage in venture capital, and promote the development of high and new technology SMEs.

More clothing investment information, click here to enter the responsibility editor: Wang Xiaonan