Appropriate letter Pu Hui small micro "big chess"

Absrtact: For small micro-enterprises, credit has always been a short board for borrowing and financing. However, Yi-Hui is trying to develop a big market. According to the "China Business newspaper" reporter understand, although the bank, the rural credit cooperatives and other institutions have increased the credit to small micro-enterprises, but

For small micro-enterprises, credit has been a "short board" of borrowing financing. However, Yi-Hui is trying to develop a big market. According to the "China Business newspaper," the reporter understands, although the bank, the rural credit cooperatives and other institutions to increase the credit to small micro-enterprises, but in the face of such a large market, small micro-enterprises financing needs far from satisfied. Not only that, because of the harsh conditions imposed on small micro-enterprises by financial institutions such as banks, the majority of small micro-enterprises have been kept out of the financing.

"The financing of the banking system is not suitable for small micro-enterprises, which often do not meet the bank's borrowing standards." Therefore, the development of small micro-finance need to have other institutions involved. Guo, director of the China Banking Research Center at the Central University of Finance and Economics, said that small micro-enterprises should build credit for financing, while small micro-enterprises without credit will be "unable to move".

Appropriate letter Pu Hui small micro "big chess"

"Stagnant water into a pool, accumulate sand into a mound." "The development potential of small micro-finance is limitless." Chan, Deputy secretary general of China International Economic Exchange Center, said that "small business is a big economy, and the development of small finance is a big undertaking." ”

Similarly, the Yi-hui in helping small micro-enterprises, big small micro-market is also in the background of this big chess game.

In fact, both the national policy direction and market demand, micro-finance development has a fertile soil, many financial institutions are also trying to eat this "big cake." According to the Development Research Center of the State Council, at the end of last year, there were nearly 50 million registered SMEs in China, contributing about 60% of China's GDP. At the same time, small micro-enterprise loans also showed rapid growth. By the end of last year, the small micro-enterprise loan balance of 11.6 trillion yuan, an increase of 16.6%, accounting for all corporate borrowing balance of 28.6%.

"Our country's enterprises are now corporate enterprises, industrial and commercial registration Chichodovan, 99% is small enterprises and micro-enterprises, 1% is not medium-sized enterprises, 1 per thousand is not large enterprises, this is the number of enterprises." From the employment point of view, our country small micro-enterprises employment accounted for more than 70% of the total number of employment in the country; In terms of technological progress, some of our patent applications and inventions 60% or 70% come from small micro-enterprises, creating taxes and GDP accounting for almost 40% or 50%, it is the big economy. Chan said there was still a lot of room for microfinance.

"The market has much to do. "The relevant person in charge of the letter said that the different organizations have a large diversity, positioning is not the same, explore the pattern is different."

"The small micro-orientation of the Yi-hui is completely different from that of the banks and credit unions." The same is ' small ', but not a level. In the consciousness of many financial institutions, the concept of small micro may be measured by the size of the loan at 5 million yuan or below 10 million yuan, and the small micro-enterprise clients of the Yi Hui may borrow only tens of thousands of yuan. Yu Yijan, director of the Credit Service center for Small Micro Enterprises, said in an interview with reporters.

Yu Yijan said that the appropriate letter Pu Hui small micro-finance business is usually the working class, farmers and so on, small micro-enterprise employees are usually only dozens of people. "These clients are generally very difficult to obtain loan funds in the bank, and they are complementary to these groups of borrowers and banks." ”

At the same time, Yu-Yi said that under normal circumstances, the appropriate letter to the small micro-enterprise customers have a cap on the amount of financing, generally not more than 500,000 yuan. This not only controls the risk for financiers and investors, but also wants to meet the needs of more small micro-enterprises.

"For the benefit of the small micro-customers, we have done a lot of research, but also for the interests of customers to consider." If the financing of a small micro-enterprise, then the company will carry a heavy burden of capital costs, which is not conducive to the development of small micro-enterprises. Yu Yijan said that the profit of small micro-enterprises is generally determined by the rate of capital circulation and the profit margin, and it will choose a suitable amount of financing.

"At present, the Yi-hui small micro-finance business has been in more than 100 cities and more than 20 rural areas, including Yunnan, Inner Mongolia province, some conventional financial services are not easy to cover remote areas, customer service over 1 million." Yu Yijan told reporters. He said that banks and other financial institutions to seize the market most of the current is concentrated in the one or two-tier cities and a small number of third-tier cities. However, the tentacles of the letter has been in the one or two, three or four-line cities have a layout, which is also the letter of the General Hui to do the National small micro Financial Services platform determination.

"Credit" has a price.

is small micro enterprise's credit worth? Many experts think "worth". But with the credit of small firms alone, it is impossible for them to get loan money from banks, which is the root cause of the difficulties that small micro-enterprises have been borrowing.

The most important point in the mode of helping small micro-enterprises is to establish credit and then help them to obtain financing services.

"A small micro-enterprise in the bank loan, the bank requires the enterprise to provide a variety of materials to prove their credit, small micro-enterprises are often not come out." In this way it seems to be ' what is needed to prove your credit ', and in the small microfinance services of the appropriate letter of preference, we hope that small micro enterprises can use something to prove your credit. This approach can be seen as ' what you have to prove your credit '. The difference between the two is great. "Yu Yijan said.

He told reporters that banks require small micro-enterprises to provide corporate financial statements, some companies do not even report, there is no proof of credit. However, on the one hand, it can help enterprises to improve their financial system, establish credit, and can even be proved by other means.

"We can even judge the credit of an enterprise by the payroll of the employee, the deposit and circulation of the goods, etc." These are ways that banks can't do at the moment. Yu Yijan said that it would take only two hours to make a preliminary judgment on the credit of small micro-enterprises, and that credit value would soon be released in financing.

He said that corporate credit is currently only targeted at the bank financing system, but small micro-enterprises financing is needed to support the credibility system. "The current financial system is a lack of this, which poses a greater risk to microfinance." This risk manifests itself in the implicit debt that the enterprise backs up through the multi-party financing. ”

"Of course, at present, the biggest advantage of the rigorously is also in the control system and operating mode, we will be appropriate funds and financing side docking, through diversification of investment to reduce risk." Said Yu.

It is understood that in the domestic part of the peer-to-peer facing the survival pressure, exposure to various risks at the same time, the small micro-finance business is still stable development, the results have been recognized by the market.

According to the relevant director of the letter to reporters, in the appropriate trust Peer-to-peer platform to raise funds in the process, investors until now there has been no loss of principal. This also from the side to prove the letter to small micro-enterprises credit construction and project wind control capacity. At the same time, the long-term goal of the financial services of the clients is comprehensive service. "The letter should help the enterprise to do the ability construction, the promotion enterprise staff skill knowledge, through the innovation to accelerate the development and so on." ”

According to the founder and CEO downing of the company, it is believed that the small micro-enterprise services include three areas of work-credit establishment, fund-raising and promotion.

"The future advantage of the letter may be in the customer's bonding, we in small micro-enterprises in the most need to help them, understand them better than themselves, but also provide the best quality integrated services, not only in the Capital One aspect." Under such circumstances, the letter is not afraid of competition from other organizations. Yu Yijan said that in small microfinance services, the letter can be said to be in the front.

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Committed to China's high-growth population to provide convenient and efficient financial advice and other related services, so that more people to establish, release and create credit, and transmission of credit, and actively build a social credit system and integrity of society.

As China's well-known small micro-loan consulting Services professional institutions, Yi-hui through more than 100 cities across the country branches, committed to the urban and rural high growth of the population, that is, small micro-business owners, working-class, college students and farmers, to provide fast and convenient general financial services.

At present, the preferential services of the financial channels include: non-mortgage unsecured credit Loan Consulting service, the appropriate learning loan for the training institutions, the loan consultation service of the car as collateral, the loan consultation service of the mortgage, and the mortgage of loans; the network lending consultancy service for urban white-collar workers is a pleasant loan. , small businesses and farmers ' letter rental and so on.

One of the carriers of Pu-hui finance the Credit Service center of Small Micro Enterprises (MFC) focuses on small micro enterprises and individual industrial and commercial groups, customer-centric, from the actual needs of customers, tailored funding solutions for customers, while providing professional training and customer experience, such as a number of value-added services.

At present, MFC in Beijing, Hangzhou, Wuxi, Shanghai, Shijiazhuang, Shenyang, Taiyuan, Qingzhou, Linqu, Nanning, Jinan, Suzhou, Ningbo, Shaoxing, Tangshan, Tianjin, Wuhan, Changchun, Fuzhou, Chengdu and other cities with sales offices, and to quickly cover most of the country's network.