Dongguan Small And Medium-Sized Shoe Enterprises, What To Adapt To The Market?

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The Star towns are distributed in Changping plastics, Humen shoes and other professional towns. Dongguan is shaping the regional economic competitiveness by one of the unique formats of industrial clusters.

And a region can form industrial clusters, relying on talent, technology, capital and other resources collection.

How can resources be aggregated into a format?

"Just like water can coagulate cement, and the introduction of financial resources makes this spontaneous cluster more compact and firm."

The governor of Dongguan branch of China Construction Bank believes that

The integration of financial elements into industrial clusters can promote the polymerization of small businesses in clusters and use the advantages of sales, financing and so on to spend the bottleneck period of entrepreneurship.

In an interview, reporters learned that this year's external economic downturn, orders fluctuations and rising costs have brought great pressure to Dongguan's labor-intensive small foreign trade enterprises.

At the same time, small enterprises have encountered a great bottleneck in pformation and upgrading.

"Although the introduction of new equipment can save labor, at present, the electronics industry can not completely replace machines with machines," an electronic business owner said. "Because the electronic products change too fast, the production line will change in about 3 months. If all the machines are used, the life of the device is too short, the cost can not afford, and the labor can adjust the process. Everyone is responsible for one link to adapt to this change."

In such a bad business environment, Dongguan does have a shoemaking business owner who "walks away" because he doesn't make money, but the reporters and bankers who interviewed by reporters invariably say that this is the normal elimination and adjustment of the market. Many enterprises only reduce production or stop production and fail very little. And because Dongguan has undertaken the industrial pfer of Shenzhen, many factories of Qingxi and Changan have sold their new factories.

Like sailing against the current, Dongguan

How to adapt to the market? "In Dongguan, except labor costs, other cost control is very refined, and the supply chain is relatively short. This is a unique geographical advantage," Li Yong Tong, vice president of the Dongguan branch of CCB, who often conducts research on small businesses.

In this international manufacturing city, almost all the world's products can find raw materials.

"For example, mobile phones, enterprises can find suppliers through single orders, and any spare parts such as chassis and lens can be found in Dongguan."

Obviously, this is due to the development of industrial clusters in Dongguan, and the complete industrial chain and detailed division of labor in the cluster.

The competitive advantage of industrial clusters in the Beijing Kowloon Plastic City has been most incisive. There are more than 2000 small businesses on each side of the central streets of the plastic city. Not only has it formed the only industry chain procurement market that integrates plastic materials, chemical engineering and moulds, it has also set up a special Management Center for the management and technical training of the newly entered enterprises.

Management center is also a unified sales and financing platform.

Such an industrial chain can not only guarantee the production of products at the lowest cost, but also has a very strong pricing power. "Even if labor and resource costs rise, we have the ability to pass on the terminal products," Liu Zhiping, chairman of the Beijing Capital Plastics City, is very confident.

In addition to logistics and information flow, bank loans are the water that coagulating the cement of the plastic city.

"The short-term turnover capital of commercial banks is mainly borrowed from the management center, and the large amount of long-term financing comes from the CCB loan," Liu Zhiping said.

The Dongguan branch of CCB gave a total of 250 million yuan of credit to the plastic city. As a guarantee platform, the management center provides guarantee for business loans.

Relying on the powerful management and guarantee platform of management center, CCB has not only successfully realized bulk loan and value chain marketing, but also has a unified warehouse management center, which can effectively monitor the flow of goods and capital flow of loan enterprises and maximize the risk prevention.

Relying on this approach to achieve bulk loans to small businesses, not only CCB, the Agricultural Bank of Dongguan branch also used innovative "professional market + merchant" mode, authorized professional market managers to guarantee the amount, professional market managers to guarantee the market merchants, effectively meet the financing needs of small businesses in industrial clusters.

"More than 500 small and micro enterprises in the former wholesale market often do not raise money night and night, and now the credit products of the bank have solved the big problem."

Dongguan Zhangmutou head of the southern grain and oil wholesale market said.

The gurgling injection of credit funds has not only brought the source of development to enterprises, but also changed the business format of small businesses.

Under the guidance of financial resources, the fragmented single specialized market spontaneously formed into mature industrial clusters.

It is understood that many small and medium-sized enterprises in Dongguan are using this advantage to resist the impact of the international financial crisis.

"This can make a lamp, this can make a bucket," pointing to the plastic material displayed at the door of the office, Liu Zhiping introduced to reporters one by one.

Companies in the plastic industry know very well that enterprises will have vitality only if they continue to introduce fist products.

"We take out 10% of our profits every year to do research and development, and we have more than 100 production technologies. After modification, the plastic products will not deteriorate, they will not rot, they will be used widely and their profits will be very high."

Good business philosophy is the key to attracting credit capital flows.

"Small business loans, we attach great importance to soft information outside the financial statements."

Fan said that in order to improve the success rate and radiation of supporting small businesses, the Dongguan branch of CCB has set up a platform such as silver policy, Silver Bear, silver association and so on, through the batch marketing with Guarantee Corporation and the chamber of Commerce.

In addition, the bank has set up an independent post loan management team to liberate the credit workers and let them have the energy to carry out batch marketing for small businesses.

"Before the loan and after the loan, all of them are responsible by the loan officer. One person can only bear the workload of issuing loans to 5 small businesses. After the integration of the loan management process, it can be extended to 20. The number of small business loans, both the number of customers and the amount of loans, has increased significantly."

By the end of 2011, the number of SMEs in Dongguan branch of the CCB reached 751, and the loan balance increased by 5 billion 100 million yuan.

With such achievements, the bank has won the advanced financial services of small and micro enterprises in banking institutions in 2011.

"Last year, we not only scale the loan scale of large enterprises, but also scale the scale of recycling from local financing platform to small shoe enterprises."

Li Yongtong said: "we are open to the supply of loans for small and medium sized shoe enterprises, and continuous innovation and practice not only enable credit resources to penetrate into the periphery of small businesses, but also properly integrate financial elements into the pformation and upgrading of regional economies."