激进扩张——遭遇亏损——银行抽贷——连锁反应。“眼镜大王”胡福林几乎被跨行业投资拖垮，引发温州民营企业危机的故事，似乎将在曾经的“电器大王”郑元忠身上重演。

Radical expansion - encounter losses - bank lending smoke - a chain reaction."Glasses king"HuFuLin was almost cross-industry down investment,Wenzhou private enterprises by the story of the crisis,Seems to be at once"Electric king"ZhengYuanZhong body repeats itself.

　　12月3日，网络传言，庄吉集团倒了，正在进行资产清算，涉及多家银行的50亿贷款。

December 3,,Network rumors,ZhuangJi group down,Ongoing assets liquidation,Involved in a number of Banks 5 billion loan.

　　组建于1996年的庄吉集团，以服装为主业，是温州“标杆性”大型企业。其掌门人是因上世纪80年代打击投机倒把运动中“温州柳市八大王事件”而颇具知名度的“八大王”之一——“电器大王”郑元忠。

Founded in 1996, ZhuangJi group,To dress as its main business,Is wenzhou"Benchmarking sex"Large enterprise.The world because of the 1980 s blow play the market movement"Located at liushi wenzhou eight king event"And an awareness of"King eight"-- - one of"Electric king"ZhengYuanZhong.

　　“企业还在正常运营。”昨日，庄吉集团一名高层在接受《第一财经日报》专访表示，因为银行连续抽贷和船东弃船的压力，集团目前暂时出现资金困难，但并非如传言所说的倒闭或资产清算。他同时认为，由于牵涉众多互保民营企业，互保贷款超过300亿元，庄吉集团目前的困难亟须得到政府的关注和支持。

"Enterprise is still in normal operation."yesterday,A top ZhuangJi group in accept[The first financial daily]Interview said,Because the bank continuous pumping credit and shipowners' abandonment pressure,Group being in financial difficulty,But not as rumors say collapse or assets liquidation.He also think,Due to involve many mutual insurance private enterprise,Fidelity loan more than 30 billion yuan,ZhuangJi group the present difficulties it is urgent to get the government's attention and support.

　　鉴于庄吉集团在温州民营经济中的“系统重要性”，这也许是自2011年9月温州“眼镜大王”信泰集团董事长胡福林“跑路”事件以来，温州民营经济的又一“劫”。

In view of ZhuangJi group in wenzhou in the private economy"System importance",Perhaps this is since September 2011 wenzhou"Glasses king"Believe HuFuLin tai group chairman of the board"Run road"Since the events,Wenzhou private economy and a"of".

　　造船子公司搁浅 Shipbuilding subsidiary grounding

　　拖累庄吉集团的是2006年其新涉足的造船行业。

Drag ZhuangJi group is the year 2006 the new set foot in the shipbuilding industry.

　　2004年，庄吉集团在温州乐清市北白象镇成立子公司浙江庄吉船业有限公司（下称“庄吉船业”），该公司经浙江省政府审批取得海域使用权（填海面积）约512亩，并拥有专用岸线2公里。

In 2004,,ZhuangJi group in wenzhou yueqing north white elephant town established subsidiary zhejiang ZhuangJi ship industry co., LTD(Hereinafter referred to as"ZhuangJi ship industry"),The company has approved by zhejiang government approval to use sea(Reclamation area)About 512 mu,And have special 2 km coastline.

　　据上述庄吉集团高层介绍，庄吉船业注册资金3亿，总投资12.72亿，总负债10亿。现已建成6座船台，5.7万平方米分段和管系制造车间。2007年开工以来，陆续建成化学品邮轮船、海洋工程船和散货船等6艘。

According to the above ZhuangJi group top is introduced,ZhuangJi ship industry registered capital of 300 million,With a total investment of 1.272 billion,Total liabilities 1 billion.Has established a 6 a berth,57000 square meters section and piping manufacturing plant.2007 years since the start,Being constructed chemical cruise ship/Ocean engineering ship and bulk carrier and 6 aircraft.

　　目前，庄吉船业在建的2艘8.2万吨散货船是温州造船业历史上最大吨位的船舶，其中一艘即将进行试航，另一艘已完成60%。

At present,ZhuangJi ship industry in the 2 ship 82000 tons of bulk carrier is the largest in the history of shipbuilding industry in wenzhou tonnage of the ship,One of the upcoming trial,Another vessel has completed 60%.

　　2008年，突如其来的国际金融经济危机导致全球贸易骤降。国际航运标杆价格指数——波罗的海干散货指数跌至2007年的1/5，造成国际航运、造船业全面严重亏损，国内诸多大型造船企业先后“告急”。

In 2008,,The sudden international financial economic crisis lead to global trade dip.International shipping benchmarking price index - Baltic dry bulk index fell to 2007 1/5,Cause international shipping/Shipbuilding comprehensive heavy losses,The domestic many large-scale shipbuilding enterprise successively"in".

　　而庄吉船业也很快迎来了自己的噩梦——上述2艘8.2万吨散货船的船东香港某集团，因自身亏损严重，借故提出弃船。11月16日，融资银行以退款保函向庄吉船业索赔3.36亿元。目前，因后续资金不到位，这2艘船已停建，恐将成为“烂尾船”。

And ZhuangJi ship industry quickly in their nightmare - the above 2 82000 tons of bulk carrier ship owner a group of Hong Kong,Because of their heavy losses,Find an excuse put forward abandon ship.November 16,Financing bank to refund guarantee to ZhuangJi ship industry claims 336 million yuan.At present,For subsequent capital does not reach the designated position,The two ship has stopped,Fear will be"Rotten stern".

　　“银行提出索赔，企业资金转不动，当然很困难。”上述高层称，现在，造船企业“不接单是"等死"，接单是"找死"”。

"Banks claim,Enterprise capital turns not moving,Of course very difficult."The senior said,now,Shipbuilding enterprise"Don't pick sheet is"die",Joint sheet is"death"".

　　银行抽贷交迫 Bank lending smoke from cold and hunger

　　船东弃船只是诱因，真正令庄吉集团资金链绷紧的，是银行抽贷。

Owner abandon ship is incentive,Really make ZhuangJi group fund chain tight,Bank loans is pumping.

　　上述高层称，自去年3月以来，银行对庄吉抽贷达1.07亿元，尽管尚未扯断公司资金链，但已严重影响正常的生产经营和银行还贷周转。

The senior said,Since last 3 months,Bank of ZhuangJi smoke credit up to 107 million yuan,Although not pull apart the company capital chain,But already seriously affect the normal production and business and bank loan turnover.

　　10月4日，因建行2000万元贷款到期不续贷，导致庄吉集团还贷逾期，被银行列为关注类企业。此前庄吉集团同建行谈判两次，均未成功。

On October 4,,For the construction bank loans out 20 million yuan not renew credit,Lead to ZhuangJi group overdue owing on the loan,Is the bank as a focus on class enterprise.After ZhuangJi group construction bank negotiation with two times,Were not successful.

　　据上述高层称，11、12月，7家银行还要抽贷3500万元，通知都发过来了，连主要的贷款人中国银行(601988,股吧)也提出抽贷。“如果银行继续抽下去，我不否认庄吉很有可能要倒闭。”

According to the above senior said,11/December,7 Banks will smoke credit 35 million yuan,Notice all hair come over,Even the major lenders the bank of China(601988,guba)Also presents smoke credit."If Banks continue to smoke it,I do not deny that ZhuangJi are likely to collapse."

　　据他说，目前温州大型企业面临困难的有几千家。“如果银行坚决继续抽贷，相当一部分企业是必死的。”

According to what he said,Wenzhou at present large enterprises are faced with a difficult thousands of home."If the bank firmly continue to smoke credit,Quite a number of enterprise is mortal."

　　据其介绍，5年前，庄吉贷款享受年息4.425%的基准利率，而目前银行给庄吉集团的年息为基准利率上浮10%。对票据票贴等附加业务的要求更是“多得不得了”。有些银行还要求购买黄金，缴纳财务顾问费，综合成本在月息1分以上（相当于年息12%）。

According to the introduction,Five years ago,ZhuangJi loan enjoy annual interest benchmark interest rate at 4.425%,And the bank to ZhuangJi group's annual interest as a benchmark interest rate rise 10%.The bill ticket and pasted on additional business requirements but also"Was more".Some Banks also require to buy gold,Pay financial consultant fee,The comprehensive cost in the monthly interest 1 points(Equivalent to 12% annual interest).

　　而温州民营企业界流行的互保，又在放大信用压力。

Wenzhou private enterprises popular fidelity,And in the amplification credit pressure.

　　截至目前，庄吉集团直接为庄吉船业垫资3亿元，并为其担保3亿多元。此外，庄吉集团与其他5家企业互相担保贷款十几亿元，而这5家企业与其他企业还有更多的互保关系。

So far,ZhuangJi group directly for ZhuangJi ship industry mat endowment is 300 million yuan,And the guarantee for 300 million yuan.In addition,ZhuangJi group and other five enterprise mutual guarantee loans of more than yuan,And the five enterprises and other enterprises and more mutual insurance relationship.

　　据上述庄吉集团高层称，庄吉等6家互保企业，涉及银行贷款四五十亿元，这6家企业的下家有二十几家企业，下家的下家又涉及八九十家企业，总共欠银行贷款300多亿元。在这些互保企业中，有不少温州知名大型企业。“我们担心，一旦引发连锁反应，大部分企业没有能力自救。”

According to the above ZhuangJi group top said,ZhuangJi etc six mutual insurance enterprise,45 billion yuan in bank loans,This 6 companies have more homes of enterprises,Next homes of and in s and enterprises,A total of owe the bank loans more than 300 yuan.In these mutual insurance enterprises,There are many well-known large enterprises in wenzhou."We worry about,Once the trigger a chain reaction,Most of the enterprises have no ability to save his life."

　　他还认为，银行对互保企业施压，会在互保企业中造成信用危机。“银行对互保企业说，你担保庄吉集团的8000万，要还过来，因为庄吉已经逾期了。你的1.2亿元，本来是准备贷给你的，因为你是庄吉集团互保企业，所以现在就不批了。于是，互保企业对庄吉集团避之唯恐不及。”目前已有个别互保企业希望退出互保。

He also thinks,Bank of mutual insurance enterprise pressure,In mutual insurance enterprises caused by the credit crisis."Bank of mutual insurance enterprise said,You guarantee ZhuangJi group 80 million,Will also come,Because ZhuangJi has been overdue.Your 120 million yuan,Was going to lend you,Because you are ZhuangJi group mutual insurance enterprise,So now is not the batch.so,Mutual insurance enterprise ZhuangJi group to avoid it like the plague."There are individual mutual insurance companies want to exit fidelity.

　　温州：第二轮民企危机酝酿中？ wenzhou:The second round of corporation crisis brewing in?

　　情急之下，庄吉集团只能向政府求助。

unaided,ZhuangJi group can only to the government for help.

　　11月19日，庄吉集团以公司红头文件形式，向温州市主要领导递交《紧急报告》称，近期船东弃船、银行抽贷、互保企业信任危机，三者叠加将集团推向窘境。

On November 19,,ZhuangJi group company with red file form,Main leaders to wenzhou submitted[Emergency report]says,Recent owner abandon ship/Bank lending pumping/Mutual insurance enterprise crisis of confidence,Three stack will group to the corner.

　　11月21日，该领导做出积极批示，认为庄吉属于该市大型企业，如若出险，将造成与一年前大企业出险相似的冲击，对全市影响巨大。

On November 21st,The leadership to make positive instructions,Think ZhuangJi belong to the city's large enterprise,If be or get out of danger,Will cause a year ago and large enterprises be or get out of danger similar impact,For the huge influence.

　　据上述高层称，目前庄吉集团正在急切地盼望政府的具体帮扶措施。

According to the above senior said,At present ZhuangJi group is eagerly looking forward to the government's specific supporting measures.

　　在他看来，庄吉并非“资不抵债”。他说，目前庄吉船业欠银行贷款6亿多元，庄吉集团贷款总额13.9亿元，加上弃船后银行索赔的3.36亿元，总共也就17亿多元，而庄吉集团总资产有24亿元。但他担心，如果企业真的倒闭了，交给银行处置，“1元钱只能处置三四角。”

In his view,ZhuangJi is not"insolvency".He said,At present ZhuangJi ship industry owe the bank loans 600 million yuan,ZhuangJi group loans of 1.39 billion yuan,Add abandon ship after the bank claim 336 million yuan,Total is 1.7 billion yuan,And ZhuangJi group total assets of 2.4 billion yuan.But he is worried about,If the enterprise really went out of business,To bank disposal,"1 yuan can only disposal three corners."

　　他介绍说，公司主业利润还不错，2007年税后利润1.2亿元，之后虽然每年以1000万元的速度下降，但到今年还能有7000万元，足够偿付银行利息。

He said,The company main profit is good,2007 years after tax profit is 120 million yuan,Although after a year with 10 million yuan speed decreases,But this year also can have 70 million yuan,Enough reimbursing bank interest.

　　这名高层哽咽地说：“郑总辛辛苦苦做企业41年，不赌也没乱花钱。一辆宝马车，至今开了31万公里，还在继续开。20年来缴税10多亿元，每年平均解决2万劳动力就业。如今，只求政府在困难的时候对曾经做出些许贡献的企业重视一些。”

The senior choked:"Zheng always hard to do enterprise 41 years,Don't bet didn't waste money.A BMW,So far, 310000 kilometers away,Continue to open.Twenty years tax and more than one hundred million yuan,An average of 20000 a year to solve labor employment.now,But the government in times of difficulty to make some contribution to the enterprise have some attention."

　　至于为什么从服装主业扩张到造船业，上述高层解释说，事实上，温州柳市镇很多民营企业的主业多年来基本都不盈利甚至在亏钱，企业生存主要靠对外投资收益。前几年靠房地产、物流、水力风力发电、矿山等。而恰恰是这些新投资的行业，近年纷纷陷入低谷。

As for why the clothing business expansion to shipbuilding industry,The top explained,In fact,Wenzhou region town many private enterprises for many years the main basic are not profit even in losing money,The enterprise survival depend mainly on foreign investment income.A few years ago by real estate/logistics/Hydraulic wind power generation/Mining and other.Just these new investment industry,In recent years have bottomed.

　　据他说，甚至有的企业主认为，明年春节前后，柳市上百家大中型民营企业将爆发危机。

According to what he said,Even some business owners think,Before and after the Spring Festival next year,Located at liushi hundreds of large and medium-sized private enterprises will be a crisis.

　　“庄吉不想做柳市第一家（倒闭的企业），也不想引发这场不该发生的倒闭潮。”他说。

"ZhuangJi don't want to be the first company located at liushi(Go bankrupt enterprise),Don't want to cause this should not happen collapse tide."He said.