Heze's Financial Support For Transformation Of Textile And Garment Industry

In recent years, the textile and garment industry in Heze has deep-seated problems such as low industrial level, weak clothing design capability, and small brand influence. In addition, under the influence of global economic slowdown, RMB appreciation, raw material price fluctuations such as cotton, labor and energy costs, environmental protection policies and other unfavorable factors, textile and garment enterprises are still running difficult and operating pressure is relatively large. In order to provide a better decision reference for the transformation and upgrading of textile and garment industry, we selected some banking financial institutions in Heze and 10 textile and garment industries to conduct special research, and put forward countermeasures for financial support for transformation and upgrading of textile and garment industry according to the actual situation.

Textile and garment enterprises run a lot of pressure.

(1) the overall production and operation of the textile industry has shrunk. The 13 key cotton textile enterprises in pun Du and Huang Heji Ji County Industrial Park, which are more concentrated in cotton textile enterprises, show that the main business income of 13 enterprises in this 1~6 month is 445 million 739 thousand and 200 yuan, a decrease of 5.2% compared with the same period last year, a decrease of 12.6% compared with the second half of last year. 13 enterprises produced 20047.12 tons of cotton yarn in the first half of the year, down 3.9% from the same period last year, and decreased by 13.8% in the second half of last year.

(two) operating deficit has decreased. The implementation of the cotton target price policy has led to the return of cotton prices to the market. In late April, the price of domestic 328 lint fell sharply, and the yarn per ton decreased by 1000 yuan. After that, the price fell slightly and gradually stabilized. This is a good signal for textile enterprises, and the loss of enterprises is reduced.

(three) production confidence is gradually improving. Since October 2013, the cotton textile enterprises in Yuncheng have been affected by foreign low price cotton yarn, and 32 cotton yarns have been hit by 40 cotton yarns before they are hit hard. The production and operation of enterprises are very difficult. Most enterprises have chosen the business strategy of postponing the start of the festival after the spring Festival holiday. The average time of the Spring Festival holiday has increased by 10~15 days compared with the normal year. This has led to a serious shortage of post commencement rate. At present, the enterprises have returned to work more than 90%, and the total capacity has been released about 70%.

　 Main problems faced by textile and garment enterprises in their operation

(1) foreign market demand has not yet been improved. With the continuous escalation of the European debt crisis and the instability and uncertainty of the world economic recovery, the developed economies such as the US, Europe and other developed economies, which are the main consumers of the international market, have been restricting the demand of the developed economies for China's textile and clothing products. Especially in the context of the prevalence of international trade protectionism, the pressure of RMB appreciation and the adjustment of export tax rebate policy, since 2013, Yuncheng textile and clothing exports have been in a low slump, and the number of exports has been increasing for many consecutive months.

(two) the problem of excess capacity in the cotton textile industry still exists. Along with the increase of production in the industry, there are many problems in Heze's cotton textile industry. First, despite the increase in capacity, most enterprises are still unable to operate, mainly because the production scale of each enterprise is quite different, and the small and medium enterprises are the main ones, which makes the cotton textile industry's ability to resist market risks as a whole and the profits are impaired. Two, the domestic cotton textile industry has been in an excess of production capacity and the enterprise operating rate is insufficient. In the context of excess capacity, new construction capacity is bound to face huge challenges in the sales market and profitability. The industry shuffle is inevitable, and the sharp fluctuations in raw material prices will accelerate the process of shuffling, the latter will increase the concentration of industries, and the small and medium enterprises with insufficient operating rate will face the fate of bankruptcy or acquisition.

(three) the development of cotton textile industry chain is weak and anti risk. ability Weaker. From upstream, cotton prices fluctuate. According to the person in charge of the enterprise, the instability of cotton prices is still the primary problem facing the cotton textile industry. In the cotton price rise and fall, the most affected is a large number of low-end SMEs. These enterprises are weak in resisting risks and many enterprises stop working or half stop. Downstream garment industry export volume declined, industry profits reduced. The apparel industry is the end of the cotton textile industry chain. It not only realizes the supply of textile commodities, but also is an important link in the recovery of funds, the realization of product value and the guarantee of the normal operation of the industrial chain. In recent years, the growth of domestic apparel brands has been increasing rapidly, and the cost reduction of mass production has made garment enterprises neglect product innovation.

Financial support for transformation and upgrading of textile and garment enterprises

Enterprises: first, implement brand strategy and expand domestic and foreign markets. With the increasingly fierce competition in the textile industry, some textile enterprises are in the main business. objective All of them have the desire to upgrade their industries, and effectively transform these cotton processing products from the perspective of enhancing market competitiveness. Two is to play the leading demonstration effect, elongate the industrial chain. At present, Juye textile industry has prominent advantages in cotton textile, home textile, printing and dyeing, clothing and other industries. Especially in recent years, home textiles, finished garments and other value-added industries with relatively high value have developed rapidly, forming a complete chain industry. Some of them are large and small enterprises, and small and medium-sized enterprises are supporting large enterprises. The three is to select market orientation and implement product structure adjustment and transformation. In recent years, due to the adverse effects of cotton prices, transportation costs and energy supply prices rising, the profit of cotton textile industry has been reduced rapidly, and the adjustment of product structure has become a way out for the survival and development of small and medium-sized textile enterprises.

Banks: first, the people's Bank of China strengthens policy guidance and fully promotes financial support for industrial transformation and upgrading. At the same time, governments at all levels have introduced industrial restructuring, revitalization and transformation and upgrading plans. At the same time, the Juye branch of the people's Bank of China, in line with the actual development of the local industry, issued the "financial support for the sound and rapid development of Juye county's guiding opinions" and "guiding opinions on strengthening and improving financial services for small and medium-sized textile enterprises in Juye county". The financial institutions of the county are urged to focus on market demand and strengthen financial support for key construction projects such as energy saving and emission reduction in the county's textile industry and upgrading of industrial technology, so as to build a convenient and efficient financing platform. We should follow up the whole process of monitoring key projects and strive to increase investment in credit funds. Two, banking institutions should refine the policy of credit investment and formulate guidelines for special credit investment. Juye branch of ABC has formulated the detailed support plan for the textile industry. The Juye branch of ICBC has clearly stipulated the credit strategy of the textile industry in the "2014 credit guidance advice" issued by the ICBC, focusing on the credit support for technological transformation of textile enterprises. Since last year, a total of 14 textile enterprise upgrading projects have been supported, with a total loan of 32 million 160 thousand yuan for technical renovation projects. ccb Juye The sub branch set up a "major project marketing Reserve Bank" based on the key technical transformation projects of the county's textile enterprises. Three is to increase innovation and enhance financial services in various ways. In order to boost more transformation and upgrading of textile enterprises, Juye banking institutions actively innovate credit guarantee methods, successfully launched accounts receivable pledge, standard factory mortgage, warehousing and use rights pledge and other credit businesses, and strive to meet the financing needs of enterprises.