To solve the Small and micro businesses loans? It's not difficult

 

2013/6/5Daily economic news

 

Manufacturing dissatisfaction with the financial industry to the greatest extent, manufacturing industry struggling financial institutions, while the maximum profits by since collection of history.

 

Have a lot of money to enter the financial industry, but they hit the glass door, head broken and bleeding. To this end at the the Bund summit of Ma Yun, his Ali small credit is Chinese most well-known small loan companies, earnings will not than banks. But Mr Ma is not only a small loan companies, his network business destiny directly determines the future of electric business, and small loan companies into banks, than the monk to Buddhist scriptures to. Another end Guo Guangchang, equity investment fund's, do a job with skill and ease in the capital market, to feelIPOPause pressure, high profits for banks, to be the banker was helpless, why only the Minsheng Bank, Taikang Life to do? The real difficulties of small and medium enterprises become the silent majority, lack the spit platform, daily survival.

 

Regulators must prove their wisdom and determination to keep pace with the times, if Chinese financial abandon the Internet, the global economy in the future will also abandon China, Internet, cloud computing and other advanced methods, and Chinese financial distance will be increasingly distant. Chinese finance will become a fixed sealing, rely on policy to enjoy the profits of zombie market. Monopoly profits not proud.

 

China finance can change, the key is whether to break the pattern of interests.

 

Local banks and small loan company based on electronic commerce, can30%Even to the extent that80%To provide financing service Small and micro businesses, Taizhou, Tyrone, Ali small credit, have provided a model, Minsheng Bank and China Merchants Bank also in SME lending resting ahead into the field. Taizhou, with local banks, shows how the traditional small banks and local enterprises docking native, and Ali small credit is demonstrated in the present era, the Internet, financial, administrative, can break the regional barriers to credit.

 

Based on the electronic commerce of small loans to low cost, low risk, high profit, effectively solves the problem of loan risk asymmetry Small and micro businesses, Ali, Suning, and other large electric business Jingdong entered a small loan, while the HC net already with Minsheng Bank began the depth of services, to provide value-added services for enterprises.

 

Prominent business small loan achievement.2010Years6Month, Zhejiang Ali small credit limit was established, the loan amount50Million yuan;2011Years6Month, Chongqing city Alibaba small loan Co. Ltd. was established, Ali financial responsible person Hu Xiaoming said: "our single credit costs in the2.3Yuan, but the bank's cost of operation may be2000Yuan." According to media reports, as of2012Years7Month20Day, Ali financial has achieved its interest income100Million yuan, it was believed, Ali financial interest income amazing. Therefore, several hundred thousand enterprises in alleviating the financing predicament.

 

Other sites come one after another, having large data and credit platform will look at fiercely as a tiger does electric business..2012Years11Month27Day, Jingdong mall officially released its first financial service product supply chain finance service system, signed a strategic agreement with Chinese bank Beijing branch, the latter promised to lend support to Jingdong supplier to a hundred million yuan credit line. This year2Months, Suning Appliance Group releases announcement to say, contribution3Billion yuan initiated the establishment of "Chongqing Suning microfinance company limited", in which Hongkong Suning invested RMB2.25Billion yuan, accounting for the total registered capital75%, Suning Appliance Group invested RMB7500Million yuan, accounting for the total registered capital25%.

 

Even if is the electric small loan is subject to the closed policy, it is difficult to play a greater role. The proportion of its own funds small loan company limited, operating area narrow, the high cost of taxation. Small loan company funds leverage rate as low as1∶0.5For its own funds, the requirements of high quality, and innovative financial lending to pay1%The above rates, as well as the5.56%The business tax and additional tax,25%Enterprise income tax, plus Small and micro businesses natural risk, and China credit is low, leading to small credit company or become usury broker, or come to a standstill. Large area, big data advantage not e-commerce has fully, even large electric to policy to very hard, no effect, other financial institutions of the visible. In contrast, banks and other financial institutions have the financial policy support, a central bank reference system can query the large and medium-sized enterprises credit, operation cost is far lower than that of small loan company.

 

In order to control the risk, network financial personage to establish self-discipline organization.5Month29Japan, enterprise alliance network Shanghai credit services industry announced the establishment ofP2PTrade credit service platform project, is expected to2013Completed by the end of the year, share and query in the alliance enterprise wide information can be overdue borrowers.

 

P2PNetwork credit financing, but cannot solve the problem of low credit environment of malicious arrears, they did not pay system and e-commerce platform restrict borrowers, restricting market, credit data banks are secret business information, only2012Net loan business failures have Baer venture, gold credit, loan, the loan state, ant UE networkP2PWeb site. The usury, the debit and credit honesty, to be triggered at any moment.

 

The network financial industry to strengthen the industry, they had hoped to establish a shared credit blacklist, but due to legal issues not promotion, now they founded self-discipline organization, want to stifle the risk management from the inside.

 

In the face of market main body hard, regulators cannot be out of touch with reality, not to the interests of banks, the China future economic risks in spite of the real economy, blood loss, so that stakeholders had profits. The reform of the financial industry China too slow, still remain in the category of traditional banks, more serious with reality and in the information age.

 

Banks need to catfish, the entity economy needs the local finance, need the Internet financial.

 

Note: re read Hu Shi Xian Zhengwen

Really feel the old class

Such a man is never what's evil when

So it is with Fu Sinian

Honest, but no fool, never is the shadow

 

Time in a blink of an eye

Review80The kind of be rash and too much in haste

More than the current spiritual breakthrough

Some basic then laid

But a few days to eat meal

From the time of famine, economic collapse, but in thirty years

You think me the best in all the land

 

Say what is known of non-public known

Everything must be in fact accurate

No, nothing

Hiding the truth, is the great evil

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