The Pain Of "Run Alone" In Garment Industry

Female boss Wang Mei (a pseudonym) running alone story makes people sigh.

Wang Mei wholesale in Hanzheng Street

It has been doing business for 17 years. It has a factory of more than 2000 square meters and hundreds of garment workers, as well as 5 outlets with a value of over 100 million yuan, and also has its own brand market and a loyal customer.

"She is the famous rich woman in our street, earning at least 5 million yuan a year."

A businessman who was making friends with Wang Mei said.

Wang Mei has been making clothing wholesale since 1996, getting goods from fabric businesses, pporting them to his own factories, and selling them wholesale to stores and retailers across the country.

With the steady and steady operation, Wang Mei began to become a brand agent in 2004.

At the same time, she spent more and more extravagance, bought a villa of about 3000000 and nearly 2 million of the real estate, and sent her son to Australia to study.

Just as business was booming, Wang Mei became addicted to gambling. He started playing with friends and lost three or five thousand.

Then Wang Meiyue grew bigger and became addicted to gambling in Macao casino. The chips of one hundred thousand yuan could be lost.

The family's dissuade, she completely did not listen, gambling's pleasure and stimulation let her lose reason.

In May 2012, Wang Mei lost about 3000000 yuan in Macao.

In order to avoid debt, immigrants play the game.

The clothing factory needs to produce, the capital turnover is not good, Wang Mei on the cooperation clothing factory boss credit, to the fabric wholesaler credit, seeks "usury" to borrow money.

But the money borrowed is only a drop in the bucket, and it is difficult to fill the gap caused by continuing gambling, and it is more difficult to repay the high interest on loans.

At the beginning of 2013, Wang Mei had already paid about 10000000 yuan in debt. She often had to collect debts at the door of her clothing store. Wang Mei, who was intolerable, had to sell all her property and facade.

"Last September, Wang Mei suddenly disappeared!" Mr. Shi, who is also the boss of the clothing factory, told the Yangtze River Commercial Daily reporter that Wang Mei owed her 100 thousand yuan. When she returned the money, she stopped her phone and couldn't get in touch with her. Later, she learned from friends that Wang Mei had moved his family to Australia.

A cloth boss who did not want to be named said, "Wang Mei has owed me about 500000, and my friends who sell accessories and cloth have been caught in her pit, and nearly 400 of them have not landed. When she enters the material, she runs away on credit, and those materials must be sold and paid off by her."

The boss of the excipient said that because they were all experienced customers for many years, there were no invoices and ious on credit.

"Almost every family has encountered such a situation, and by the end of the year it is flooding."

A boss who had done cloth business in Hanzheng Street for nearly 20 years told the Changjiang Daily that there were many people running the list at the end of the year, because most businesses were closing the bill at the end of the year.

proposal

Secured pactions can be used to prevent arrears.

Yan Qinghua, President of the Chinese Association of economic and ideological history and professor of economics and management of Wuhan University, told the Yangtze daily news that this kind of running list was mainly caused by the lack of credit.

Yan Qinghua explained that as long as the economy had not yet matured, there had already been pactions, and credit pactions were a relatively primitive form.

Relational credit is a credit form and trust relationship that occurs in a special interpersonal relationship. It only exists in a certain region and certain objects.

Yan Qinghua said, like Hanzheng Street's traditional mode of operation, the upstream raw material company delivers to the familiar middle reaches manufacturers. The middle reaches manufacturers sell clothes to the downstream businesses for sale. They are all point to point and acquaintance's relationship with acquaintances. They are invisible contracts.

This way is not only convenient for interpersonal communication, but also more flexible, reducing the cumbersome part of the middle.

"Relational credit is most unsuitable for business, and contract credit plays a more important role."

Yan Qinghua introduced that there are three kinds of credit models: credit, public credit and contract credit.

Contractual credit is a credit relationship based on consensus and guaranteed by law.

Compared with relational credit, the role of contract credit has been removed from the restriction of acquaintance society, and a bridge of trust between strangers has become a symbol of standardization and formalization of credit forms.

How can this backward business model change? What are the effective ways to deal with it?

Yi Yi, a lawyer at Hubei Penglai law firm, believes that aiming at the "stubborn disease" of credit, pre controlling the risk of debt and preventing it from happening, it is the highest goal to strive to avoid debt, stagnation and bad debt.

Businesses should have a corresponding sense of legal protection and contract accordingly. The debit and procedures must be handled according to the rules, and the liability for breach of contract should be stipulated to prevent the occurrence of disputes.

If a party violates the contract agreement, it may solve it through consultation, arbitration or litigation, requiring the breach party to fulfill its contractual obligations and bear corresponding liabilities for breach of contract.

In addition to taking precautions against malicious debts by way of a contract, a security can be secured in the paction. When the debt is not paid off, the guarantor shall be responsible for the liquidation liability, or the auction or sale of the mortgaged property shall be compensated first.

In addition, we should pay attention to the situation and changes of debtors' property and lay the foundation for property preservation and enforcement before litigation.

Cash is king to rebuild healthy development of industry

Facing the industry phenomenon of "no credit, no shop, no credit", the Sichuan Federation of Commerce and industry cowboy clothing industry association put forward some suggestions suitable for the development of local garment industry.

　　如面輔料處聘請(qǐng)專業(yè)律師團(tuán)隊(duì)為面輔料商家協(xié)議簽訂、催收欠款、貿(mào)易維權(quán)等提供一對(duì)一法律援助;建立客戶檔案制度，對(duì)信譽(yù)好、資產(chǎn)優(yōu)良、貿(mào)易呈上升趨勢(shì)的優(yōu)質(zhì)客戶以商會(huì)名義予以獎(jiǎng)勵(lì)并給予具體優(yōu)惠措施，對(duì)于信譽(yù)差、資產(chǎn)較差、貿(mào)易萎縮的客戶建立黑名單面向行業(yè)公布通報(bào)，杜絕向其供貨;向下游商家客戶提供兩個(gè)月貨款緩沖期，即單筆交易拖欠款項(xiàng)不得超過兩個(gè)月，如若超過兩個(gè)月，律師顧問團(tuán)隊(duì)將通過法律途徑交涉，維護(hù)商家合法權(quán)益;做到信息互通，對(duì)于循環(huán)欠款的商家實(shí)行行業(yè)通報(bào)制度，并要求循環(huán)欠款的商家在下一家面輔料商供貨前，須結(jié)清上一家面輔料商的所有款項(xiàng)，同理，在未結(jié)清上一家面輔料商貨款前，另外的面輔料商不得向該客戶提供

。