The textile and garment industry is not bad ** difficult heroes (on)

In 2011, although the bank’s threshold continued to increase, the doors of the private sector were still open. In addition to the growing number of small companies, some large-scale rental agencies, and even the olive branches extended by venture capital companies, The financial issue is not very "defective" in the textile and apparel industry. Compared with electricity, labor, raw materials, orders, etc., the urgency of ** is obviously much weaker.

Small amount ** Solving big problems In the rapidly changing world, the three-year Hedong triad of Hexi, and the commercial banks that actively promoted business in the textile and apparel conferences in the past few years, have now changed their face. When I called the Shenzhen Development Bank Jinan Branch, I was told that the textile and clothing companies were treated differently, and that “there are more requirements for the call and immovable property”. At present, Shenzhen Development Bank Jinan Branch textile and garment industry is not a lot of **, although know that textile and garment companies have certain demand, but banks do not consider expanding this area of ​​business. As banks continue to increase their attitudes, the private small-sum investment and SME credit guarantee companies' businesses are developing in full swing, leaving many companies not to worry about the money.

Unexpectedly, Qingdao Jifa Group is not short of money. Not only that, they also initiated the establishment of a small-scale company. They themselves became creditors and provided financial assistance to local SMEs and farmers. "Interest rates are similar to banks, but they are more flexible than banks and procedures are not so complicated," said Liang Xiaopeng, deputy director of propaganda department of Qingdao Jifa Group Co., Ltd. In addition to the instant-issued group, there are 11 local enterprises participating in the group, and each company injects capital in proportion to the registered capital. The company is affiliated to the Shandong Financial Office. There are both state-owned shares and shares of local companies, but they are mainly sent by the dispatched personnel. Liang Xiaopeng said that the small amount of ** company was established in February 2009, was the second in Shandong, and was the first in Qingdao. In the past two short years, Qingdao alone had launched dozens of such small-scale companies. That is, there are two companies in the city of Jimo. Even so, the small-scale company that launched the launch still felt that there were more ** businesses and insufficient funds. As a financial product, Microfinance has also become one of the profitable points for instant delivery.

In addition to such leading companies, many local associations and professional markets also actively cooperate with the financial sector to provide local businesses with ** businesses. This is more common in Guangdong and Zhejiang. Some professional markets in Guangdong regard this as an important aspect of service improvement. For example, the cooperation between Guangzhou Zhongda Jiuzhou Textile City and Minsheng Bank, Nanhai World Trade Textile City and Nanhai City Credit Cooperative facilitates SMEs. Zhao Runlai, manager of the South China Sea World Trade Textile City, said that from the middle of March 2011, the Nanhai City Credit Cooperative credited 300 million yuan to the World Trade Center. For ** companies, banks sent personnel to participate in the audit, and World Trade Textile City provided guarantees. So far, more than 40 merchants have applied for **, 8 have been successfully handled, ** amounts ranging from 500,000 yuan to 2 million yuan. Zhao Runlai further stated that if **Corporation cannot repay the due date**, WTO Textile City will assume full responsibility. Therefore, as long as the World Trade Center Textile City agrees to lend, banks will generally handle the credit limit. In view of the relatively high risk, the World Trade Center Textile City plans to implement about 30 million yuan in guarantees. Coincidentally, in recent years, Zhejiang Zhuji Datang Socks Co., Ltd. has also cooperated with Minsheng Bank to provide small-scale ** for more than 100 socks companies. The guarantee amount is between RMB 3 million and RMB 6 million.

In areas where the textile and clothing industry has taken the lead, ** has relatively rich experience and flexible means. In the mid-western region, as a result of undertaking industrial transfer, the status of the textile and clothing industry has been increasing, and the government has introduced more funding policies. This is an example. The "Opinions of the General Office of the People's Government of Hunan Province on Further Accelerating the Development of the Textile Industry," which was officially promulgated recently, clearly states that the government is advancing new-type industrialization guidance funds, special funds for technological transformation, funds for the development of small and medium-sized enterprises, special funds for energy saving and emission reduction, and special projects for agricultural industrialization. Give financial support to key areas. For the bottleneck technology and key technologies in the industry, active support is provided by the combination of production, education and research funds with special funds and provincial special funds for science and technology. We must improve the credit services and environment for the textile industry and increase financial support for key textile projects and cotton purchase funds. All financial institutions in Hunan Province should increase credit support for textile enterprises. Credit guarantee companies for SMEs at all levels should actively provide **guarantee services for small and medium-sized textile enterprises. This is not a boon for Hunan's textile and garment industry.

** The shift in institutional investment preference to the financial crisis in 2008 has changed many people's views on the textile industry, including some investment institutions.

Far East International Leasing Co., Ltd., which is owned by Far East Horizon, is a relatively influential domestic leasing service provider. It has formed advantages in many fields such as medical care, printing, shipping, construction, industrial equipment and education. Five years ago, they set their sights on The textile industry. Zhang Ye, director of the Far East International Leasing Business Development Department and the Textile Business Department, said: “Before entering the textile industry, the company conducted full inspections and certifications. The performance of textile companies in the financial crisis has given us confidence. Under the impact of the crisis, many Textile companies have not only failed to fall, but have become more powerful.” According to reports, Far East International Leasing Co., Ltd. has strict requirements on the use of customers, usually used to purchase new equipment in order to be released. Although slightly higher than the bank’s interest rate, Zhang Ye thinks its advantages are also quite obvious: the loan period can be up to 3 years, which is much longer than the bank’s one-year time limit. On the scale, according to the customer’s strength, it can be several hundred million to over a billion. Yuan varies.