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Small And Medium Textile Enterprises Should Not Rely Solely On Policies To Survive.

2008/8/18 16:31:00 25

Adjustment Of Industrial Upgrading Structure Of Textile Enterprises

A few days ago, the central bank raised the annual credit scale of commercial banks to solve the problem of financing difficulties for SMEs. The national commercial banks increased by 5% on the basis of the original credit scale and the local commercial banks increased by 10%.

Can the implementation of this policy be effective and can banks solve the fundamental problems of enterprises unilaterally?

To this end, our reporter interviewed a textile enterprise in Changping town of Dongguan City, Guangdong.

macroenvironment

Affect the survival of export enterprises

Xia Bin, director of the Financial Research Institute of the development research center of the State Council, analyzed the survival predicament of small and medium sized coastal enterprises. From the angle of the world economy, domestic GDP grew fast, mainly by export.

The US economy has launched a large number of subprime products to expand credit. The large-scale issuance of financial derivatives has led to the rapid development of the virtual economy. Until the credit expansion of the United States has reached a certain level, the virtual economy will surely collapse.

Global raw material and price rises all come from actual aggregate demand less than actual total supply.

Mr. Lin is the chief financial officer of a textile mill in Changping town. He told the China economic news reporter: "our factory has a total of more than 600 people, specializing in sweater export processing. The scale of production is still medium, and there are many enterprises in the upstream and downstream businesses to carry out production docking with us.

However, since the beginning of the year, the orders in the factories have been reduced and the cost has increased due to the impact of the US economy, which has seriously affected the survival of the small factories downstream, especially the small factories below 100 people.

Director Lin also told reporters: "the environment constrained our survival and development, which is very dangerous at present.

The 1/3 increase in raw material production is a major factor in capital turnover.

The solution is not no, but on the one hand, the bank borrows a high threshold, and nothing is mortgaged. No one is willing to guarantee it.

On the other hand, the owners' workshop is rented, and the owners can not use their personal assets as collateral.

The reason why we are able to maintain is because we are in the middle of the whole capital chain, and we need the loan most.

Management mechanism

Seize the development of enterprises

Di Na, inspector of the small and medium enterprises Division of the national development and Reform Commission, suggested in Shenzhen that small and medium-sized enterprises should practice "internal strength", cultivate their sense of independent innovation and establish a good talent mechanism.

Small and medium-sized enterprises rely on independent innovation.

In this regard, Lin director also revealed: "the increase in pportation costs and management costs all stems from the immaturity of the internal management mechanism.

For example, if we had arranged the cabin but could not deliver the goods on time, we should change it into aircraft pportation because of the fear of breach of contract. Because the mainland workers were not strict enough, the sweaters made by them were either long, short or sewn up, and finally became a Jersey, which cost twice the money and could not be delivered on time, so they often reworked.

As a whole, the total cost in the factory has increased by about three or four% over last year. "

In fact, the worst part is that some bosses cling to the traditional small workshop's sense of management, with short vision and no sense of social responsibility.

Director Lin reluctantly told reporters: "frankly speaking, the boss will not lose anything, for example, because after the sales revenue comes back, the boss goes to Hongkong to pay the money privately, the income pfers first to Hongkong's own account, then calculates to remit to the inland foreign trade company, the foreign trade company deducts the agent import and export agency expense, finally passes the foreign trade company to turn back to the factory.

None of the many private entrepreneurs on the coast will let you know how much or how much you lose.

If a lot of surplus orders are found in the peak season, the boss will consider temporary recruitment and overtime work. If the off-season is lost, the suppliers will be defaulted and the processing cost of the processing plant will be defaulted. Then the wages of the workers will be defaulted, and then they will be closed down. Like the middle reaches of the factory, the downstream suppliers and the processing plants will all be reduced. Tens of millions of accounts payable will not be borne by the boss. In the final analysis, the biggest loss is the families who need to feed the workers and workers behind the line.

The central leadership has conducted several surveys in the south, and we can see that the survival situation of small and medium-sized enterprises is very concerned.

According to the survey, since the government raised the export tax rebate from 11% to 13%, some small businesses in Guangdong felt the effect of the policy was not obvious.

Although the enterprise can feel the welfare provided by the state, its efforts are still not enough, and the person in charge of the enterprise also appeals to the relevant departments to give management and technical support and guidance to the small and medium-sized enterprises in the development process.