Shishi Further Push "Loan Transfer Fund"

Here world Clothing shoes and hats Xiaobian of the network to introduce the Shishi to further push the "loan transfer fund". What is the biggest problem facing the textile and garment industry? "Before it was land, capital and technology, it became a capital this year." Liu Yiqun, vice president of Shishi textile and clothing chamber of Commerce and chairman of Wolf Road clothing, said, "in particular, enterprises that focus on making brands need more capital."

Recently, from the Shishi textile and garment industry news, following the Financial Cooperatives, the Shishi government injected the guiding fund and the Shishi textile and Garment Association led the "lending fund" to start operation. "It will help SMEs solve the problem of" continued loan "and the shortage of funds to a large extent. Hong Xiangtan, executive vice president of Shishi textile and garment business association and chairman of Hua Fei (China) Fashion Co., Ltd. Correspondent Cai Qingxuan reporter Wen Wenqing

　　 No bad debts occurred in trial operation.

Recently, under the support of Shishi municipal Party committee, municipal government and banking industry, the "loan transfer fund" led by Shishi textile and clothing association began trial operation.

It is reported that in the nearly 1 months of trial run time, more than 30 member loans have been completed by the chamber of commerce loan fund service. "It has exceeded 200 million yuan, and the scale of the future will continue to expand." Tian Qiming, chairman of the Shishi textile and garment trade association and chairman of the company, China, has not yet seen a bad debt account. Compared with the general social financing, the loan has saved nearly 1 million 800 thousand yuan.

In today's high risk of private financing market, the Fund helps companies reduce their financial costs. Chen Hongwen, executive vice president of Shishi textile and garment business association and chairman of Xin Hong Xing, believe that the emergence of the loan fund can help SMEs to tide over the difficulties in the absence of capital shortage and renewal of loans. "Of course, it does not mean that enterprises will find a loan fund if there is a capital problem, and a healthy enterprise can also use it." Chen Liansheng, executive vice president of Shishi textile and clothing business association and chairman of Wirancis (China) Co., Ltd., said that for most enterprises, capital is always on the road. As long as they want to develop, they will go to loans, and loans by individual enterprises do not have their own advantages, especially the renewal of loans, long operation time and high financial cost.

　　 Five advantages such as low cost, convenient procedure and so on.

It is understood that compared with the traditional loan mode, Shishi textile and Garment Association's "loan transfer fund" has five advantages:

First, changes in the way in which fiscal funds are used. The government's financial support funds are relatively limited, and by setting up a loan transfer fund form, it can guide private capital to enter the field of financial services, focus on supporting the development of small and medium enterprises, and help them solve practical problems.

Second, the transfer of loans to guide the management of the fund to change the way of operation. For entrepreneurs, it is not only the necessary options for enterprises to run, employees and technology to deal with every day, but capital is also the top priority. The choice of credit mode often affects profits. The emergence of the lending fund has made complex financial credit as simple and convenient as daily necessities, so that small and medium-sized enterprises can put their main energy and time into the operation of enterprises. enterprise The procedures for applying for funds are simple and quick.

Third, government led and efficient operation. It is reported that the fund is supervised by the Shishi finance office and other departments. The Shishi textile and Garment Association is leading the implementation and entrusted the professional third party agency to run the business to help enterprises successfully complete the loan transfer without affecting the credit records of enterprises.

Fourth, the procedure is convenient. The member enterprises submitted an application to the Shishi textile and Garment Association in advance, and submitted the materials. After that, the chamber of Commerce issued a letter of recommendation. After the examination and approval of the fund agency, the relevant agreement was signed and the cost was prepaid.

Fifth, the cost is low and the cycle is short. It is reported that the fund is charged 0.667 days per day, and the service charge will be completed in 3 working days.

　 Bigger and stronger help small and medium enterprises "winter"

Earlier, in order to help a large number of small and medium-sized enterprises to solve the problem of similar capital transfer and enable enterprises to tide over short-term difficulties, Shishi municipal Party committee and municipal government jointly launched Shishi textile and clothing association, and led by the relevant departments of the municipal government, invited representatives of the banking supervision department, the lending banks and enterprises to hold discussions on the loan transfer fund for many times, listened to the needs and opinions of various parties, drew lessons from the successful practices of other areas' loan funds management, and checked the scale of the loan funds and the Interim Provisions according to local conditions.

It is reported that the loan transfer fund was injected into the government by 20 million yuan guidance fund, which was raised by the Shishi textile and garment association not less than 180 million yuan, and commissioned by professional agencies to operate.

In addition to the government's guidance funds, the "loan transfer fund" is absorbed by the members of the chamber according to the principle of voluntariness according to different grades, and then, in accordance with the principle of "application first, first served", helps members of the chamber of commerce with "continued loan" demand. After an enterprise has borrowed money, it shall return it within the prescribed period of use and pay the corresponding service charge for the loan transfer. After the loan is successful, it is necessary to return the loan to the loan transfer fund immediately.

"Hope for loan." fund The scale is bigger and bigger, it can help more and more SMEs. " Mr Tien said that he expects more healthy development companies to join in helping the promising SMEs to "spend the winter".