While the operators of small and medium-sized enterprises in other places are forced to "run off" because they are trapped in private high-interest loans, the reporter learned from the 2011 Shenzhen Fair Organizing Committee yesterday that the logistics industry in our city has innovated the "financial logistics" model, and the logistics supply chain Upstream and downstream small and medium-sized enterprises can also obtain loans from large-scale logistics companies without mortgages on fixed assets. "General loan interest is around 18%, which is much lower than many private loans." A business owner who had obtained loans told reporters.

  Loans less than 5 million are easier

  "Financial logistics" seems complicated, but the actual operation is simple. Innovating this business is mainly some of the supply chain management companies occupying a leading position in the logistics industry in our city. They are certified by the government to be qualified to carry out micro-lending business, and use their own funds to provide upstream and downstream customers in their own business chain. Provide loans.

  Mr. Wang, a supplier of small home appliances, tasted the "freshness". His company does not have considerable fixed assets as collateral, and the goods are not bulk goods such as steel and coal. However, he still loaned 300 from Eternal Asia within two days. Ten thousand yuan in payment, which is difficult to do in the bank.

  Since March last year, Eternal Asia, a key logistics company recognized by Shenzhen, has begun to get involved in financial business, providing loans of less than 5 million yuan to customers upstream and downstream of the supply chain. While solving the problem of financing difficulties for small businesses, it has also obtained better returns. , In a year and a half, it quickly became the second-tier company with the best performance in the group.

  18% annual interest rate that small businesses can afford

  "Small and medium-sized enterprises have been facing the dilemma of loans. The logistics industry has to contact with a wide range of products, and most of them are small and medium-sized enterprises. It is difficult for banks to understand the strength and potential of enterprises in a short time, so they are reluctant to borrow. Mr. Ruan, who is engaged in financial logistics business, told reporters that supply chain management companies can judge the profitability and repayment ability of lending companies through their grasp of the market and corresponding warehousing experience. At the same time, relying on the established supply chain management platform, they can quickly determine whether a certain batch of products are well sold in the market, and then determine the 60% and 30% discounts as mortgage loans.

  Director Wu Xiaoming of the Logistics Department of the Shenzhen Municipal Transportation Commission said that some high-end logistics companies in Shenzhen are transforming from traditional "third-party logistics" to "supply chain management", with stronger corporate strength and increasing penetration into the upstream and downstream links of the logistics supply chain. The Shenzhen Municipal Government provides a relaxed environment for innovative forms of financial logistics. At present, many powerful large-scale logistics enterprises in Shenzhen have become an important source of funds for small and medium-sized enterprises with their own good reputation. It is reported that Shenzhen Logistics Finance provides small loans ranging from 100 to 5 million yuan, with a loan term of 2 to 6 months, and an annual interest rate of about 18%. The forms of financial logistics are also becoming increasingly diversified, including goods pledged loans, commercial rebate pledge loans, factoring financing of receivables, and even Internet cafe loans and auto finance businesses.

  The bank also wants to divide the "cake"

  Because this kind of borrowing is accompanied by the connection of upstream and downstream businesses in the logistics supply chain, "financial logistics" is named after this model. This model allows logistics companies to taste the sweetness, and major banks are ready to follow up when they see business opportunities.

  According to the person in charge of the Organizing Committee of the 2011 Shenzhen Fair, during this conference, China Construction Bank, Shenzhen Development Bank, Shenzhen Logistics Association and logistics companies will sign strategic cooperation and credit loan agreements to promote bank-enterprise cooperation and effectively promote small and medium-sized enterprises. Solving the financing problems of logistics enterprises.

  It is understood that the bank will grant a certain credit line to the member companies of the logistics association, and provide convenient approval channels, preferential credit financing arrangements, preferential interest rates and other related policies for credit applications made within the above-mentioned limit. Among them, the China Construction Bank will sign a credit line of 1 billion yuan with the Logistics Association, while the Shenzhen Development Bank will not set a limit on the credit line.

  related news

  A survey report on the operation of small businesses in the Pearl River Delta states

  Guangdong Small Business

  Profits fell by 30%

  A few days ago, the "Survey Report on the Operation and Financing Status of Small Enterprises in the Pearl River Delta" issued by the National Development Research Institute of Peking University and Alibaba Group stated that the increase in raw material costs has led to a sharp decline in the profits of small enterprises in the Pearl River Delta. It is recommended that the government implement various small business support Policies, through taxation and other means to reduce the burden on small enterprises, improve the financing channels for small enterprises, and promote the capital turnover of small enterprises.

  The report shows that this year's small business profits have fallen sharply. Compared with 2010, the average profit has decreased by about 30% to 40%, and operating difficulties have increased. In the face of rising production costs, small companies lack the ability to increase profits through brand building and core technology.

  Among the surveyed companies, 72.48% of small companies said that rising raw material costs are the biggest difficulty they face in their current operations. The cost of raw materials in most industries has increased by about 20%-50% compared with 2010. For example, the price of fabrics in the apparel industry has even increased by 30%-80%. In previous years, the cost of fabrics for cotton sweaters was about 25 yuan, and this year it rose to 45 yuan; the cost of fabrics for cotton T-shirts in previous years was 5-8 yuan. Rise to 10-15 yuan. Most small companies are at the end of the industrial chain and cannot transfer the pressure of rising costs to product pricing, and can only lose profits.

  In addition, the increase in labor costs has also squeezed the profits of small businesses. The wages of workers in small enterprises in the Pearl River Delta have increased by 20-30% compared to 2010, and the wages of some senior skilled workers have even increased by more than 100%. Nowadays, the monthly salary of an ordinary worker in the Pearl River Delta is more than 2,000-3,000 yuan, a skilled worker can reach 4,000-5,000 yuan, and a skilled worker is even higher. Even so, companies still face the problem of high mobility of workers and difficulty in recruiting workers. The proportion of companies that list rising labor costs as one of the current three dilemmas is also as high as 52.44%, second only to rising raw material costs. In addition, factors such as shrinking domestic and foreign orders and exchange rates are also squeezing corporate profits.

  Zhou Qiren, dean of the National Development Research Institute of Peking University, believes that “the changes in the macro-monetary policy have presented great challenges to the overall economy at the micro level and the industry.” In his view, adhering to a prudent monetary policy will cause difficulties for small businesses in financing. Therefore, interest rate reform must be accelerated to allow small businesses that can afford higher interest rates to obtain loans. As for small businesses themselves, they must first control costs and attach importance to expanding domestic demand markets. To open up the domestic demand market, we must have competitive products.

Source: Shenzhen Special Zone News