Second Letters To Shoe And Garment Enterprises (Photos And Comics)

In recent years, the blind expansion of enterprises' blind production and market, the personal view of enterprise managers according to the self good and self core attitude, and the failure to make a correct evaluation of the future development makes the development of enterprises gradually fall into a low level, and the business operators' investment and risk control is too short.

The crisis situation of enterprises is constantly changing.

Coupled with the emergence of China's joint-stock banks, it has activated banks to increase the amount of loans borrowed by enterprises. As enterprises have received various support from banks, they have begun to buy land gradually, expand their factories and expand their production scale, and enterprises have rampant the layout of market channels for the sale of products, coupled with the lack of rational planning and utilization of funds from bank loans, blind investment and unscrupulous spending, resulting in extreme cash flow of enterprises. In addition, due to the shortage of cash flow, the production of enterprises can not keep up, and the sales of enterprises are forced to stagnate. Finally, they are fed back to the daily cash flow stagnation of enterprises, which eventually leads to the withdrawal of corporate capital and the insolvency situation constantly emerging. In addition, in the process of rapid development, enterprises have tasted the sweetness of banks.

Obviously, today's small and medium-sized

Faced with the "macro economic downturn", "business operating costs rising", "bank lending and loan pressure", "private lending", "migrant workers seeking wages", "suppliers to collect debts", "guarantee compensation" and "blind expansion of enterprises" and other pressures, became the most sensitive topic among enterprises in 2014.

Whether for business owners or distributors, 2014 is a year of great difficulties and obstacles.

Where did the money go? - banks are backbones, icebergs.

Since the reform and opening up, the great economic period has made business owners bow to the development and production of products. The growth rate of Chinese enterprises is amazing. In this astonishing development speed, banks aim at enterprises and invest large amounts of funds into enterprises, especially joint-stock banks, in order to serve the main direction of business lending and the growth of banks' economic benefits. The emergence of China's joint-stock banks is a huge amount of loanable funds for enterprises, especially in many small and medium-sized enterprises with a certain scale.

When buying large quantities of land, expanding factories and even obtaining large amounts of capital, enterprises will try to invest in different industries, such as real estate, energy and so on. This short and long loan form of bank loans will aggravate the cost of enterprise operation.

Especially when the market overcapacity and product demand are too saturated, and the economy is in a downward trend, enterprises are gradually exposed to gold flow fault.

Where is the bank now? Many shoe and clothing enterprises are insolvent in this difficult period.

Many joint-stock banks have closed the threshold of loans for their shoes and clothing. Many shoe and clothing enterprises have to repay the loans of banks with the help of bridge funds to ensure their credit records, so they have to borrow money from private banks to solve the crisis of their survival. However, the stock banks have not gone through the actual market research, and have not actually learned about the enterprises. It is extremely bad behavior to assess the shoes and clothing industry with many bad shoes and clothing enterprises and deliberately raise the threshold of borrowing.

In particular, joint-stock banks directly block businesses in the form of loans and loans, which is a serious blow to the development of enterprises.

In 2014, the owners of enterprises were more difficult than any time. The emergence of enterprises is not only a matter of enterprise development, but also the most basic survival problem of enterprises.

During the period of the development of enterprises, the banks have been unable to repay their debts. Now the hard and cold winter, the shoes and clothing enterprises are not only to solve the survival problems, but also to solve the financial problems such as high bank loans and private lending.

Where do people go? -- the tragic situation of individual business owners who lose contact with them, so that shoes and clothing enterprises can be overshadowed.

In 2014, there was a severe situation in 2014, such as shoe and clothing shop closing, large number of layoffs, retrenchment expenses, and even the sale of hardware and so on. On the one hand, when business owners got a large influx of funds from banks, they neglected the risk prediction of the future development of enterprises and the planning of financial liquidity of enterprises, and future vision of market demand.

In addition, under the environment of financial crisis, enterprises' product homogenization, channel similarity, marketing mode aging, and numerous imitation and follow suit phenomena are everywhere.

Every possible way to find a bridge fund, most of the funds from the bridge are borrowed from private usurers, and the borrowing time is extremely short, and the days of borrowing are more than ten days. The high interest rate of private lending aggravates the cost of the enterprise, but the most frightening thing is that once the bridge capital is entered, the bank will no longer renew the loan, and then the money owed to the bank will become the money owed to usury. This vicious circle aggravates the cost of the enterprise, resulting in the production of new products of the enterprise even less, and the wages of the employees can not be delivered. Then the factory will stop production, the business will stagnate, and under the suppression of interest on banks and the interest of private usury, the business owners will not be able to concentrate on the development of the enterprises, but will be busy with the reserves and usury of the revolving enterprises. On the other hand, in order to support the daily operation of enterprises, business owners always want to do anything at all costs.

Worse and worse, when the owners themselves can not resist such a big mountain such as iceberg and private usury, enterprises will either go to a dead end or let the court seal up, migrant workers strike, or business owners are the most childish and subjective idea is to choose to lose contact or run away.

Where should the development of shoes and clothing enterprises go in the wind and rain?

In the face of the overall economic downturn and the crisis of all trades and professions, business operators are facing the problem of survival rather than development.

Enterprise managers should effectively assess the existing strength of enterprises under the environment of internal and external rain and rain: first, do the "essence": deep plough in the market, concentrate on products, concentrate on building the core competitiveness of enterprises, strive to stand out in the market; secondly, do "strong": strengthen the enterprise's ability to respond to the market, strengthen the core competitiveness of enterprises, improve the combat capability and service ability of the team, and finally do "less": in the face of the severe market situation, enterprises do not add to the scale and product production, but do subtraction, reduce the projects of insolvent debts, reduce the burden and reduce the burden of enterprises.

Business operators must also change their business philosophy and put more energy into the overall strategic management of enterprises. They are mostly based on the strategic planning and development of enterprises, and do less in detail management and operation of business operations.

In the face of the market climax, banks provide timely help to enterprises, such as "cattle". In the face of market downturn, banks extract loans like "wolves" like the wildness of the suppression of enterprises, business operators for the pressure of banks and the pressure of private usury, and the huge expenditure of enterprises, business operators often fall into panic, fear and helplessness.

In order to deal with the major difficulties in the footwear industry, our local government and local chamber of Commerce have also introduced policies to support shoes and clothing enterprises. But in the face of policies, how should the government really execute the business? How should the country's banking system appropriately relax the policy of lending to shoes and clothing enterprises is another matter? This is a question worth pondering.

Here...

We just want to appeal to our government, banks, people from all walks of life and enterprises to look at this crisis objectively.

"The enterprise has worked hard for 30 years, and has fallen back to the liberation".

If we can face the difficulties of reality, even if we declare bankruptcy or declare bankruptcy, we must not escape or lose contact. Any escaping life will not compare with the hardships experienced in our pioneering work. Any escaping life will make our life and our family more bumpy and uneasy. We should also be vigilant in mind that the owners of enterprises are deeply aware of the painful lessons of "the low threshold of share banks and the need for enterprises to enter"; at the same time, we appeal to our government to actively guide enterprises to effectively integrate and optimize resources, and unite all forces that can be united to strive for the new development of enterprises. Entrepreneurs calling for shoes and clothing

At the same time, we also firmly believe that our enterprises will continue to win the glorious banner of the shoe and clothing industry with a hundred times of confidence.