Shishi Textile And Clothing Association Is Financing Difficulties For Small And Medium-Sized Enterprises.

Small and medium enterprises are no longer "wild children" without pain. stone lion The first thing is to feel the warmth of "spring" because hundreds of them have received at least one million yuan of loans. A few days ago, reporters learned from the Shishi textile and clothing association that since September 2012, the Minsheng Bank, Shishi textile and Garment Association, a small and micro enterprise financial cooperative, which was jointly built by the chamber of Commerce and Shishi sub branch of Minsheng Bank, has accumulated over 200 million yuan loans for small and micro enterprises, and over 100 service enterprises.

Financial Cooperatives to small and micro enterprises

" Textile and clothing The development of the industry has slowed down, and financial cooperatives have added a touch of warmth to this "cold winter". Liu Yiqun, vice president of the Shishi textile and Garment Chamber of Commerce, said that for small and micro enterprises, liquidity is most needed at present. Whether enterprises expand production or upgrade equipment, they need capital. Once problems arise, they may be trapped in difficulties because of poor capital flow. "We must change our minds and set up ourselves as financial cooperatives from the perspective of small and micro enterprises." Chen Liansheng, executive vice president of Shishi textile and Garment Association, said that the first financial cooperative of the chamber of Commerce chose Minsheng Bank because the Minsheng Bank first proposed to serve small and medium enterprises in the country, which coincided with the service tenet of the chamber of Commerce.

"I think the clothing industry still has great room for development, but the key is to have funds to update the equipment in order to make a long-term plan." From a general worker, a total number of garment companies, Tsai Tsu, has been spanformed from OEM to brand operation after 8 years of accumulation. Especially in the past few years, orders have been filled, but in the past one or two years, the number of orders has declined. Cai said that small and micro shoes and clothing enterprises must innovate if they want to break through, and the source of innovation is capital.

"To be honest, before the chamber of Commerce and Financial Cooperatives came out, in addition to usury and private guarantees, I was desperate for other ways of lending." Huang Dong, who worked hard in the textile and garment industry for many years, said that if there were no fixed assets such as real estate in stone lions and even the whole country as collateral, basically no loans would be available. "Chamber of Commerce Financial Cooperatives gave me hope and the possibility of survival of enterprises." Mr. Huang said that the cooperative does not need to mortgage, nor does it need to find Guarantee Corporation. As long as each person pays 10% of the deposit and 2% of the risk reserve, he can enjoy a higher loan quota and bear limited liability.

Another helping hand to launch the "pool of funds" project

"Small and micro enterprises embrace together with the resources integration ability of banks, the content of cooperatives is infinite." Minsheng Bank Shishi sub branch president Zhang Yibin commented, through the chamber of commerce platform integration resources, relying on the new carrier of cooperatives, so that small and micro businesses "mass scale, scale", is becoming a new mode of Minsheng Bank practice, also let Minsheng Bank Shishi sub branch once again lead small and micro financial services.

Since Shishi textile Clothing chamber of Commerce After the fire of Financial Cooperatives, Chen Liansheng has been very busy. "Now we have to run a lot of banks a day, understand policies, familiarity with regulations, and find money for enterprises." Chen Liansheng said that another group of enterprises asked to join Financial Cooperatives. Now dozens of people have queued up. "At present, the economic situation is not optimistic, banks are more prudent in lending money, but if they fail to do so, some private enterprises will have to die of thirst."

Recently, the "Shishi" promotional film, which was announced by the Shishi textile and clothing association, has been spread through various media such as television, network and outdoor advertising. Its purpose is to tell you the importance of honesty. "The more the chamber of Commerce supports us, the more honest we should do in business, and the repayment of interest on time." A Wang surnamed entrepreneur who is engaged in the excipient industry thinks that the failure of the enterprise is not due to the poor management of the enterprise, but rather the problem of the capital chain. It has to bear the debt. "If we can extend a helping hand like the mutual fund of the chamber of Commerce and Finance," it is really a "redoing favor" to the enterprise. President Wang got a loan of 2 million 500 thousand yuan by joining the mutual fund of the chamber of Commerce.

It is understood that since the establishment of the chamber of Commerce and finance, the Shishi textile and Garment Chamber of Commerce has taken an active role in bridging, helping many member enterprises to borrow money smoothly. Tian Qiming, President of Shishi textile and clothing trade association, said that this year, in addition to Financial Cooperatives, the chamber of commerce also led the organization of member enterprises to take part in 2014CHIC and Haibo, and went to the famous enterprises in Jiangsu, Zhejiang and Shandong provinces for field visits. It is worth mentioning that under the leadership of the municipal Party committee and the municipal government, the "pool of funds" project, which helped enterprises to tide over the difficulties of funds, has been orderly promoted and prepared after more than 20 days. Now it has been in the trial run stage, and has successfully helped member enterprises complete several loan spanfers. "I hope member enterprises, especially small and micro enterprises, can feel the warmth of our big family."