Take The Fast Track Of Banks And Enterprises To Help Shoe Companies Overcome Capital Bottlenecks

In recent years, with the deepening of the impact of the international financial crisis, many enterprises, especially small and medium enterprises, have suffered cold winter. The problem of "financing difficult" has become a barrier to their development, and even the danger of closing down at any time.

In the critical juncture, the Wuhou District and district governments have actively innovating the concept of service, set up financial offices in industrial parks, and worked hard to coordinate and help enterprises to solve the practical difficulties encountered in financing, so that they can feel a strong spring in the winter.

In the first place, we set up a financial office in the industrial park. Fortunately, with the help of the district government, we successfully carried out the financing, and the enterprise just came through and made greater progress.

Recall that due to the lack of liquidity constraints to the development of enterprises, a shoe manufacturer in Chengdu is still in charge.

In recent years, most of the enterprises in Wuhou District Industrial Park are in the period of rapid growth. At the same time, they are affected by the financial crisis, resulting in a serious shortage of liquidity and the urgent need for financing.

However, due to asymmetric information between banks and enterprises, banks do not understand the enterprises and projects well, and the audit is very strict. At the same time, enterprises and projects do not understand the financial services provided by banks, but can not accurately and efficiently achieve financing.

Financial services can not be fully matched and matched, resulting in waste of time and weakening of effectiveness.

At this time, the Wuhou District and district governments took vigorous action to create a smooth, convenient and efficient financing platform. Through the attempt and practice of financial innovation such as community finance and guarantee financing, the urgent need for SMEs was solved in a timely manner, the financial environment of the industrial park was optimized, the credit system of the park was established, and the direct financing between enterprises and banks was paved. Banks, Guarantee Corporation, financial leasing companies and investment companies went to the park to look for projects.

Can we set up a service provider equivalent to third parties in the park to take the park project and evaluate it. At the same time, we can achieve the most effective docking between enterprises, projects and banks according to the needs of enterprises and projects and the development of banking business, so as to maximize efficiency.

According to this idea, the Wuhou District and district government innovates the idea again, and first set up the office of Wuhou District community financial leading group in Wuhou Industrial Park.

It is this organization similar to "intermediary organization", playing a very important role in the financing link of enterprise financing, and building a convenient bridge between banks and enterprises.

After the establishment of a special financial service institution in Wuhou Industrial Park, the community financial office has a good understanding of the enterprises and projects in the park. Through its evaluation and recommendation, the community finance office can effectively use information symmetry as the basis of credit protection for banks' independent trial loans, and largely circumvent the moral hazard and systemic risks of the loan companies, thereby greatly reducing the loan threshold of the enterprises and improving the communication efficiency between enterprises and banks.

At the same time, by bringing the small and medium-sized enterprises in the park into the service scope of the formal financial system, the loan interest rate of the enterprises will be more preferential and the financing cost will be significantly reduced.

This innovation has effectively integrated the advantages of the government's organization and the capital advantages of banks, and overcome the problem of information asymmetry which puzzles the financing of SMEs. It has played an extremely important role in promoting economic growth and speeding up economic growth.

In December 19, 2008, Wuhou District and the Agricultural Bank held a signing ceremony. ABC provided loans of 2 billion 721 million yuan to support the Wuhou District Industrial Park's development plan, capital requirements and project construction needs.

In recent years, the Agricultural Bank has provided 12 million yuan loan for the GUCCI shoe industry of the shoe industry enterprise in the park, provided 20 million yuan loan for the Yi Lan shoe industry, provided 10 million yuan loan for the AI shoe shoe industry, and effectively helped the shoe industry overcome the capital bottleneck.

At the same time, the Construction Bank has provided 1 million yuan loan for the park growth enterprise of Dongfang Hanyi, and provided 3 million yuan loan for Jingwei printing. A batch of loans from Bank of communications, credit cooperatives and a number of guaranteed loans of Guarantee Corporation of small and medium-sized enterprises are also being carried out.

Postscript: according to incomplete statistics, only one year in 2008, the government provided a loan support of nearly 800 million yuan for the small and medium enterprises in Wuhou Industrial Park, laying a solid foundation for the rapid growth of SMEs.

Wuhou District has also experienced multiple impacts of macroeconomic regulation and control, Wenchuan earthquake and world financial crisis. However, all enterprises in Wuhou Industrial Park have not only stopped production and bankruptcy, but also made great progress in 2008. The industrial output value of the park has exceeded 100 billion yuan for the first time, the growth rate has reached 36%, the total fiscal revenue has reached 635 million yuan, the target task has reached 105%, and the industrial concentration has reached 53%.

In 2009, the region will meet difficulties and strive to achieve more than 10% development targets on the basis of 2008.

More shoes and hat investment information, click here to enter the responsibility editor: Wang Xiaonan