How To Solve The Problem Of "Financing Difficulty" Of Textile Enterprises In Lanxi, Zhejiang

Led by the Lanxi municipal government of Zhejiang Province, 26 local banks visited the textile enterprises in Lanxi on the spot to understand the production status and check the strength of the enterprises, thus facilitating 15 banks and 35 textile enterprises to reach 1 billion 860 million yuan of credit funds cooperation intentions, 10 of them signed the contract with 6 banks, and the contracted amount reached 358 million yuan.

What is the reason for many financial institutions to dare to "open their hearts and embrace textiles"? During a visit to Lanxi's textile enterprises, it was found that many textile enterprises' production lines or production processes have not been completely completed, and even the repair works of the factory buildings are still in progress, and the construction part can't wait to start production.

In some textile industrial clusters in China, although some have established financing guarantee institutions for small and medium-sized enterprises, the problem of "financing difficulty" has not been thoroughly solved, which also limits the development and promotion of many small and medium-sized textile enterprises.

The majority of small and medium-sized enterprises in the domestic textile and garment industry cluster will inevitably restrict the overall development of industrial clusters if they fail to develop.

In the textile enterprises in Lanxi, some enterprises have broad market prospects, but lack of working capital to expand production. Some enterprises hope to carry out technological pformation, but are unable to get loans.

"If we wait until all the production lines are completed and start production again, we will have to spend more time, and some enterprises will have a tight fund and the construction funds can not be completed in one step. Only some of them can be built, and some of them will be put into production."

Chairman of Lanxi Textile Association

Told reporters, "some financial institutions believe that the textile industry is a traditional industry, the market competitiveness and development potential are not as good as emerging industries, which also caused many enterprises financing difficulties, so many enterprises' production line construction is self financing, construction and start."

On the one hand, there is a shortage of funds in the development process of enterprises, on the other hand, banks are afraid to lend money. At present, this seemingly contradictory situation is also like Jin Guihua, vice president of Jinhua central sub branch, said: "at present, the downward pressure on the economy continues to increase. Both banks and enterprises are suffering from the pains and challenges brought by structural adjustment."

And how to deal with the pain and challenges together is actually a matter for both banks and enterprises to ponder together.

In Lanxi,

After years of development, the labor intensive development mode has been completely abandoned.

According to Tong Fuyou, take the spinning enterprises in Lanxi as an example, the enterprises adopt the international leading production equipment with high automation level. Now, there are less than 20 workers per 10000 spindles, far ahead of the average level of 80 workers per ten thousand spindles in traditional spinning enterprises.

With the promotion of "two integration", the cost of labor, water, electricity and gas in Lanxi textile enterprises has decreased in a comprehensive way, and the quality of products has increased.

"Lanxi is actively promoting the" machine replacement "policy. By eliminating backward equipment, importing advanced air-jet looms and reed machines, it constantly solves the problem of" labor shortage "and" expensive employment ", and realizes the" magnificent turn "of equipment internationalization, ushered in a good trend of uptrend.

Tong Yongsheng, director of the Municipal Bureau of information, said, "if we want to further promote the" two integration "and promote the level of intelligent production equipment in the industry, financial institutions' support in capital is essential.

In view of this, the project leader of the Lanxi branch of ICBC thinks that a lot of local financial institutions have tightened their monetary policy after visiting Lanxi textile enterprises. One of the reasons is that there are problems in the development of individual industries in recent years, which leads to difficulties in bank loans and makes banks more cautious in lending. Another reason is that textile enterprises have not been classified as dynamic and potential industries in the eyes of financial institutions.

"With the deepening of the supply side reform, the demand for equipment renewal, technology introduction and capacity optimization, and the continuous expansion of the textile industry in the local area will enable more financial institutions to regain confidence in the textile industry.

After in-depth understanding of the specific circumstances of enterprises, we have signed a 100 million yuan project loan agreement with Wanzhou textile. "

The person in charge said.

"In 2015, the textile industry in Lanxi achieved an output value of 30 billion 900 million yuan, a sales income of 25 billion 800 million yuan, and a textile export of 667 million dollars, occupying half of Lanxi's total exports.

In the first quarter of this year, the textile industry continued to maintain a good momentum of development, with an enterprise output value of 6 billion 520 million yuan, an increase of 7.9% over the same period, and a total profit of 150 million yuan, an increase of 29.4% over the same period last year.

From this perspective, Lanxi's textile industry is definitely not a backward industry and sunset industry, no matter whether it is in terms of production capacity or development potential.

Tong Yongsheng said,