How Can The Sewing Machine Industry Solve The Difficulty Of Financing?

< p > the problem of enterprise financing difficulty has seriously affected the development of small and medium-sized enterprises. It has attracted wide attention. As early as last year's two sessions, the motion of NPC deputy and chairman Qiu Jibao of the leap Group was the theme of "how to break through the bottleneck of SMEs' financing difficulties".

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< p > < strong > insufficient collateral. The loan has no bottom gas > /strong > /p >

< p > there are two reasons why some enterprises are unwilling to find bank loans. One is the lack of collateral. Most small and medium enterprises are light assets enterprises, and the factory premises are rented. All production facilities are not worth high value, and mortgage loans can not be made. Two, it is considered that the trouble of bank loans is very cumbersome.

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< p > < strong > is good at finding its own bright spot < /strong > /p >

< p > in fact, there are a lot of loans for small and medium enterprises, and even unsecured and unsecured loan services.

What companies need to do is find the bright spot that can give loan assessment "bonus points".

For example, the technological advantage, core competitiveness and development plan of the enterprise should combine all the advantages and form a complete financing plan so that the bank can see the good image of the enterprise.

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< p > we also have a good case of financial services in our industry.

In last year's China Sewing Machinery Industry Market Forum, President Zhou of Wuhan chamber of Commerce shared his "zero down payment sewing machine" project with banks.

Wuhan Long Yuan sewing equipment Co., Ltd., President Zhou, has launched an advertising slogan called "zero down payment sewing machine".

The specific way of operation is: long distance company and bank cooperation, customers in the distant company to buy a href= "//www.sjfzxm.com/news/" > sewing machine < /a >, he needs to fax his identity card number to the long distant company, then the remote company takes the bank to check the customer's letter. If there is no problem, he will sign a sales agreement with him. Then the company will send a letter of guarantee to the bank. The bank will usually grant the loan to the customer within three days, but after the loan comes down, it will be pferred from the account to the distant company's account without the customer's hand, so it will become a cash sale for the distant company.

The client area assumes the cost interest of bank financing, then he can return the loan in 12 months and equal amount every month. For a long time company, it is necessary to assume the risk of a guarantee, because 10% of the long-term company's deposit is in the bank.

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< p > < strong > make good use of the industry organization platform < /strong > < /p >.

< p > earlier than two years ago, the Guangdong provincial sewing equipment chamber reached a cooperation with Minsheng silver.

Minsheng Bank awarded the Guangdong chamber of commerce the "small micro finance gold medals cooperative" plaque, and the official credit association's 100 million yuan loan amount.

This is to enable the majority of chamber member enterprises to face the challenge more confidently and to stand out in the fierce competition. At the same time, we should revitalize the capital of enterprises and do well in the new situation.

On the basis of close cooperation with the SME financing Promotion Association of Guangdong Province, the chamber of Commerce has further hand in Minsheng Bank, not only to develop direct financing channels for member enterprises, but also to inject fresh blood and motivation into the development of member enterprises. < /p >

< p > sewing machinery Wuhan chamber of Commerce for small and medium enterprises loans difficult, the chamber of commerce through docking with the bank, recommended by the chamber of Commerce guarantee, to create financing platform for enterprises, to guide and encourage everyone to expand financing business.

At present, more than 30 enterprises have completed financing.

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< p > < strong > focus on the financing services provided by the professional market < /strong > /p >

"P" recently, Ping An Bank Zhejiang provincial project examination and approval division Yu Xiaocheng, He Xuming, head of the small and micro Affairs Department of Yiwu branch of Ping An Bank, Zhou Yichun, Dongyang branch customer management manager of Ping An Bank, went to Dongyang international sewing machine city to visit the market merchants, and held several consultations with the top of the sewing machine city to reach a consensus on the "community fund" project.

The "community fund" project is a new financing channel promoted by the Dongyang municipal government and Ping An Bank, specially designed for the market operators of sewing machine market.

At present, small and medium-sized enterprises generally have difficulty in financing, and Ping An Bank chooses to cooperate with banks and enterprises in many sewing machines.

Sewing machine city has always attached great importance to market operators, this active organization to introduce new financing channels, promote the "community fund" project, greatly boosted the confidence of the market operators.

At present, the "community fund" project has been approved by the provincial bank, and the scheme has been implemented. The total fund of the project is 90 million yuan.

According to the person in charge of marketing department of sewing machine city, market merchants are enthusiastic and enthusiastic in participating in the "community fund" project.

It is reported that Ping An Bank will hold a forum with the market traders in the sewing machine city in the near future.

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< p > in Humen international < a target= "_blank" href= "//www.sjfzxm.com/" > clothing /a > Mechanical city's eight business service functions, there is a service worth saying, that is the professional market financing service platform built here.

"We have jointly established a microfinance company with some consortia in Guangdong Province, and have also worked with some Credit Guarantee Corporation to provide financial leasing services for clothing enterprises and merchants of < a href=" //www.sjfzxm.com "> Machinery City < /a >.

Machinery City General Manager Yu Changyan introduced.

For example, what is the financing leasing service, Yu Chang Yan explains it clearly and clearly with an example: "if the clothing enterprise buys a set of mechanical equipment normally needs 1 million yuan, then now does not need, only needs to take out 2.3 million yuan, that is, as long as the total amount of 2 to 3 can be achieved, the rest of the money is taken by the financial leasing company to help the enterprise.

The equipment will be leased to the enterprise by the finance leasing company, and the rent can be paid regularly within two or three years. After the expiration of the rent, the equipment will be owned by the enterprise.

In the face of such a situation, in addition to the financial leasing services launched by the new equipment, Humen International Garment Machinery City has also launched a financial leasing service specifically aimed at the old enterprise < a href= "//www.sjfzxm.com/news/index_c.asp" > equipment < /a >.

Here, the enterprise can take the old equipment as collateral, that is, the enterprise sells the production equipment to the finance leasing company, and the finance leasing company rents to the enterprise again, which is only sold in name, and the equipment remains in the enterprise for the production and use of the enterprise.

In this way, enterprises can not only continue to use their own production equipment, but also get the required liquidity from the finance leasing company, and the enterprise only pays monthly rent to the finance leasing company.

"This is a good thing for an enterprise to kill two birds with one stone", says Yu Chang Yan.

From the beginning to the present, the financing service function of Humen International Garment Machinery City has been welcomed not only by garment enterprises, but also by all links in the entire industrial chain - "equipment manufacturers are also happy, agents are also happy."

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