A Multi Pronged Approach To Crack Down On Financing Difficulties And Small And Medium-Sized Leather Enterprises Need Pformation

Whether or not

To advance in adversity, it is always the key to take the initiative.

It depends not only on the pformation of business philosophy, strategic pformation, and business structure optimization of small and medium-sized leather enterprises, but also the use of the whole social strength. Relevant ministries and commissions, financial regulatory agencies and governments around the country are also actively adopting a series of measures to support small and medium-sized enterprises.

Multi pronged approach to crack financing difficulties

A few days ago, Sun Fucai, chairman of the OMI fluid equipment Technology Co., Ltd., returning to Wenzhou, became the second "runner" boss to "return" to Wenzhou.

Sun Fucai said in an interview with the media that the main reason for his "run away" is the capital chain rupture.

In the rush hour, the company expanded its scale of production, but failed to repay private lending in time against the background of tight money.

"My capital chain is completely broken, and people are forced to be driven away by debt."

Sun Fucai said that the government of Wenzhou and Dongtou adopted a series of supporting measures to support enterprises to get out of the predicament, so that he could "see confidence and take the responsibility bravely to return to Wenzhou and make the enterprises" re "whole".

To solve the financing difficulties of small businesses, we must first solve the problem of "financing expensive" by small businesses, and not regard small businesses as "monk meat" made by banks to make money.

Small business customers are small in scale and weak in risk resistance. If they only consider making money, they will increase their financing burden too much.

Zhu Xiaohuang, vice president of China Construction Bank, said that under the background of the high financing cost of small businesses, banks began to reflect on the concept of profit, instead of blindly pursuing high fees. Instead, they turned to continue to make profits through common value added in the process of nurturing small businesses.

The "SME growth plan" released in 12th Five-Year by the Ministry of industry and information technology has made plans for widening the financing channels for SMEs in the next few years.

In May, the CBRC issued the notice of the China Banking Regulatory Commission on supporting commercial banks to further improve the financial services of small enterprises. The ten new policies "loosening" loans to commercial banks in developing small businesses from various aspects, such as capital occupation, risk pressure and so on, and effectively mobilized the enthusiasm of banks in developing small business loans.

"We need to unlock monopolies and deepen reforms so as to create an environment for equal use of production elements between private enterprises and state-owned enterprises, fair participation in market competition and equal protection by law. In particular, we should let different market players use credit resources equally.

In addition, we should lighten the burden of enterprises, increase support, and "take less and give more" to SMEs, and encourage them to move towards pformation and upgrading.

The famous economist Gu Shengzu suggested.

In addition, experts suggest that the relevant departments of the state should support small enterprises in releasing monopoly and reducing burdens, so as to promote the pformation and upgrading of enterprises.

Return to real economy

A few days ago, Wang Zhentao, chairman of AOKANG group, issued an initiative for all the members of the Wenzhou Federation of Commerce and industry in light of the recent "running away" phenomenon of several business owners in Wenzhou.

Faced with difficulties, enterprises should face up to problems and rely on multiple forces to tide over difficulties and maintain a good image of Wen Shang.

Wenzhou, the capital city, is famous for its private economy at home and abroad. The Wenzhou model has been a model for China's private economy development.

However, the runaway of many bosses in Wenzhou has sounded the alarm for the development of private enterprises in Wenzhou.

At the same time, it is also a warning to China's small and medium-sized enterprises that bigger and stronger industries are the foundation for the development of enterprises. Learning from the US Wall Street, relying on "stir up" real estate, coal mines and financial products, will ultimately hurt not only the enterprises themselves, but also the economic development and social stability.

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The development of enterprises is facing difficulties and even facing bankruptcy. Even though there are factors of external economic environment, in any case, it is not a responsible boss to leave the mess and walk away.

Enterprise development should also have its own ethics, regardless of employees, billions of liabilities, and mysterious disappearances. Such a boss can hardly serve as a leader in China's private economy, and there is no credibility whatsoever.

Not to mention the existing difficulties of enterprises, the boss's own business philosophy is also one of the reasons.

The biggest alarm is still for Wenzhou enterprises and even the development mode of Chinese enterprises.

Wenzhou has been investing abroad for many years, and its capital has increased substantially.

However, the rich Wenzhou enterprises did not wholeheartedly think of continuing to grow and strengthen the real economy, but the emergence of "stir up" the wind, what to make money on the "speculation", from the property market, energy, antiques, to financial products, and then to the civil usury, and some people say that Wenzhou has entered the era of "speculation money".

The fundamental reason for the crazy lending is nothing but speculative speculation with high investment and high returns.

Data show that in Wenzhou, the gross profit of small and medium-sized enterprises is generally between 3% and 5%, but the annual interest rate of private lending is as high as 180%.

High profit is bound to be accompanied by high risk. It is a kind of "innovation" game that is similar to the subprime mortgage crisis in the United States.

How to make enterprises no longer play the tricks of "empty handed White Wolf" and return to the real economy? This is a warning from the evaporation of Wenzhou boss and the lesson of the American subprime crisis.

Adhere to industrial pformation and upgrading

Small and medium-sized leather enterprises have long been known as low technology content, low cost, labor-intensive and low value-added industries, which has also been criticized in recent years.

Now many enterprises have realized that the era of cheap cost has passed, and the low cost operation methods previously used by enterprises have not adapted to the development of the economy. When the cost has no advantage, it is urgent to change the profit model through technological innovation and product innovation.

When the enterprise pformation is really running, it will know how much effort it needs and how much pain it needs to experience. In Wenzhou, some enterprises have explored the path of pformation in the throes of pain. For example, AOKANG group, their experience may also help many enterprises that are in the same situation.

"Enterprise development is also life, disease and death. From the perspective of industrial optimization, with the development of the market, it is sure to fall. This is not a bad thing. After the backward productivity or capacity is eliminated, new things can emerge."

Jiang Lin, director of the Department of Finance and taxation of the south of the Five Ridges College of Zhongshan University, said: "the problem of" financing difficulty ", which is most concerned by the outside world, does exist.

In addition to the difficulty of financing, enterprises are faced with a bigger problem that is lack of technology and talent. In this regard, the government should also provide enough help. "