Perspective On The Problem Of Loan Recovery In The Sales Process Of Chinese Shoe Enterprises

"Market is battleground, opportunity is business opportunity, capital is"

Especially for those products that are seasonal and popular, once the sales opportunities of the season are missed, it is very likely that they will cause vicious inventory in the coming year or even the backlog of products for many years.

On the contrary, if enterprises increase their product line support without fear, it will also indirectly increase the difficulty of enterprise loan recovery, and even affect the continuous operation of the entire enterprise capital chain.

Of course, when talking about the details of the operation of the capital chain in the recovery of enterprise loans, we often have to involve another important link, that is, the internal marketing capital account.

According to authoritative research data, many market experts can determine the overall operation of capital chain and profit of their products through the real marketing account data (good account and bad account) within the enterprise.

Time limit for repayment of funds

Here, we take the sale of bad loans as an example to analyze.

First of all, we must make it clear that the proportion of bad debts every year is determined mainly by the time of collection.

If an enterprise can get a refund within the time limit, it will not be regarded as a bad account.

Generally speaking, enterprises that can control the amount of money within 10% are benign operations, and the overall profitability of the products is still very impressive.

But if the sum of money exceeds two years, the operation of the capital chain of the enterprise will undoubtedly fall into a vicious circle.

Faced with this kind of business dilemma, whether to lay out goods or not to sell goods will bring new challenges to enterprise marketing.

If it is not for distribution, the sales of the current enterprise itself is a difficult problem.

What is the sale of goods? Therefore, in this case, the negotiation between enterprises and regional agents, regional agents and terminal franchisees is becoming increasingly intense. It often affects the success of enterprise loan recovery, and even affects the overall operation of enterprises.

In view of this, they usually do a lot of shopping for you, and I negotiate a lot with each other to negotiate a bargain with each other, so as to promote the sale of all terminal stores.

Especially at this stage of the current year, enterprises' desire to reclaim product loans is increasing day by day.

So, in the light of the current market, what is the loan recovery situation of enterprises?

Shoe enterprise loan recovery

At present, all trades and professions in the market have entered a critical period of inventory clearing at the end of the year.

But after checking the settlement, many enterprises have also found a very urgent problem, that is, the loan recovery rate of the enterprises is still very low, and even directly restrict the product line layout of the enterprise next year, and even some enterprises will be faced with the tragic fate of the capital chain fracture.

There are two specific reasons for this.

The first is that enterprises invest in investment without limit, blindly pursue the expansion of the terminal market, and ignore other objective risk factors. The two is related to the overall business mode of the enterprise, and the former is often the most fundamental reason for the difficulty in linking the difficult chain of loan recovery.

The following is the shoe industry as an example to carry out a specific analysis.

As we all know, the footwear industry is now seriously suffering from the strong attack of the dual factors of European debt crisis and price rise, and many shoe companies have been trapped in the marketing difficulties.

In order to break the development of the shoe market and seize more share of the terminal, most shoe companies have quietly embarked on the development path of "goods distribution", and hope to rely on this preferential policy to seek more agents with market strength to ease the pressure of shoe business.

However, it is worth considering in depth that choosing strong agents can alleviate the profit crisis of shoe enterprises at a certain level, but if long-term development continues, it will inevitably cause a lot of capital to be occupied by shoe enterprises.

In particular, with the increase of the number of terminal outlets, the ability of regional agents to distribute goods is obviously strengthened, and the amount of accounts receivable of terminal franchisees will increase correspondingly.

If the digestion ability of terminal shoe products has not been improved correspondingly, it will directly lead to the continuous soaring of the stock market in the shoe market.

As a result, the strength of the refund of the agents of the shoe enterprises will inevitably become weaker and weaker, which inevitably leads to a vicious circle of the capital chain of the shoe enterprises.

Apart from that, is there any other objective limitation for the shoe company's agent to pay back the money or extend the repayment period? How should the shoe company crack it?

Cracking the recovery hoop curse

According to the latest market data, the difficulty of subsequent collection of shoe enterprises is also affected by the following details.

For example, the contract negotiation period is unreasonable, the funds and product chain management are not coordinated, the blind investment is huge, the overall plan for the market return rate is lacking, the settlement system for the most terminal market area is not known, and the cooperation communication with the purchasing personnel is not timely or smooth.

In this regard, many forward-looking footwear enterprises are also based on the forefront of the market requirements, have put forward their own solutions.

Therefore, in the market, the solution to the problem of loan recovery is also brilliant.

For example, some enterprises directly operated the direct operation, and recovered the agency rights of agents whose credit was not high enough, so as to speed up the smooth operation of enterprise funds. Obviously, this measure has been widely used in many listed shoe enterprise brands.

Further in-depth tracking, we found that some enterprises are more inclined to enhance their operational capabilities, scientifically start the ERP system to accurately control the real estate terminal sales data, as well as improve the control of the agent's repayment period.

Some enterprises simply combine the finance with the sales, stipulate clearly the amount and amount of the remittance according to the agent to decide the quantity of the goods. Obviously, this mode is always the safest, and how much money is returned.

Besides, a lot of enterprises, especially those in the two or three line market, are directly aiming at the enhancement of product research and development. It is no doubt an excellent solution to acquire agent's support and raise the enthusiasm of their money back through the research and development of marketable quality products.

It is true that in the current fierce competition for brand marketing competition, it is an indisputable problem to deal with the problem of loan recovery between regional agents and regional franchisees.