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Cotton Small businesses in financial difficulties caused by lack of credit to establish credit ratings of urgency
The textile industry became a senior expert bluntly: "These are our small and medium-sized textile firms which mainly Jiucheng due to financial difficulties caused by lack of credit system, which in the last period of the international financial crisis, the urgent need to resolve. "Building credit textile evaluation system not only provides strong evidence for the financing of enterprises, but also can improve the competitiveness of the brand companies, also can be formed from the industry keeps its promises in terms of good atmosphere, resulting in the promotion of energy development internal drive. Small 2: less credit lack of funds In addition to macroeconomic factors, the credit crisis is also one of the challenges facing the garment. Funding is an issue the difficulties encountered by apparel companies, brands, national retailers are open to "burn" things. Some manufacturers of medium and clothing Small said the biggest difficulty facing weak demand in the international market is increasing costs. continuing appreciation of the yuan, higher costs labor, raw materials, energy prices continued to rise, but also directly or indirectly, profit margins are falling. As integrity companies is not high, since the international financial crisis, most companies can only be secured by real estate loans and equipment financing received. Small and medium enterprises, real property and equipment are reduced, therefore the support of these funds is very limited. Because of this, plus some domestic customers occasional payment of funds in a disruptive factor in the development of enterprises. "Our biggest problem is financing, the banks reluctant to lend money to us. In fact, many companies promising small and medium enterprises, our company has been making the original structure of exports, and development productive capacity, but high-way, was the financial crisis affected. "A clothing manager of small business, said the author. The financial crisis has the potential of these businesses, both in the normal production and operation, or to expand the scale of the upgrade, the lack of funds difficult. No Warranties credit, banks do not lend funds to SMEs, therefore, to find effective means of funding to alleviate the financial burden, as continue to develop small and medium businesses that came out. Grade Credit Rating to carry out the work to a certain extent, just to eat guarantee banks, credit risk will be effective, active-controlled capital markets. A high performance, enterprise-class Small companies and the lack of a credit system that directly affect the capacity of SMEs. Textile Industry Association of China, the practical difficulties in the textile industry textile and clothing industry to build business credit evaluation system, the basic framework, in the textile and clothing products in the financial finance, human resources, the conditions for business operation, business management, product quality, safety, social reputation, and many other factors that an objective analysis and evaluation. It is reported that China Textile Industry Association performance of the corporate credit rating assessment is China textile network business credit and the release of China's anti-fraud network. a credit rating at or above the limit set their own business credit files, access to many benefits, number of business credit is strong evidence of integrity, to take the lead in business to win more business, for business credit ratings can increase business confidence and establish good credit, lifting progress or business credit concerns; online version of the assessment results to facilitate credit business credit priority score higher as a business partner, the lower the credit rating scale, companies can deal with them carefully and effectively avoid market risks. Company credit assessment may be fair use as corporate promotional materials, websites and newspapers and other media on the use of marks certification and certificates of credit rating may be in the product packaging, product brochures, product certificate as the use of certification marks for financial institutions government agencies, such as a display of corporate credit quality. A credit-rating scale of the firms previously mentioned as a funding priority of the road in a fun way to solve financial difficulties to provide a strong guarantee, banks rating Credit can also intuitively understand the state of the company and its ability to pay an important basis for corporate loans. Losing the trust company is incorporated in the black "list of" Du Chau, frankly, the textile associations outside the building in the credit needs of the industry to develop systems relevant domestic industry will be established to collect credit information sources and database business credit, the focus of files credit, credit files in a single trading partner. Textile Industry Association of China will also build faith and in violation of business Trust for reward and punishment mechanism, companies with good credit are expected to enjoy the preferential policies for the acquisition of raw materials, and losing the confidence of businesses are included in "blacklist." Companies in the extreme conditions that apply to the assessment requirements? It is known that several important conditions: registered by law in China, an independent legal person whose principal activity is the textile business and industry making legal person or other economic organizations, the social capital of not less than 500 million RMB business qualification over three fiscal year almost three years, the main business income, unrelated stop state from continuing operations, business without grave offense of dishonesty in the past three years not business, environmental protection, quality supervision, taxation, customs and other regulatory departments severe punishments Industry Association Textile and member companies who organize professional firms. Associations China China Textile Industry Association, Office said Ye Zhimin credit to the author, history credit business intelligence, business performance management, financial position, branding, development, and potential social image to be included in the assessment of credit rating companies in the scope of the evaluation system. For the rating scale, he said, the credit qualification is divided into "third class five." Grade standards are divided into A, B, class C third, consisting of AAA, AA, A, B, C 5. Results assessment known as the unification of the companies' credit ratings × × × grade credit company. "credit rating certificate and signs the credit for the work by the Ministry of Commerce, Bureau of unified design, unified code, the Association of Textile Industry of China has presented. credit rating is valid for three years. On the validity of credit card companies to arrange a review every year, those who pass the test continue to enjoy the original or updated credit rating, which is not adjusted downward accordingly, to be effective to re-apply after the expiration of the evaluation of the company. About the Author
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