Global network to do small and medium-sized "Grameen Bank"?

Source: Chao Fu, an author of the Internet Café Empire

In Yunus's view, the poor need loans, loans are basic human rights, so the "Grameen Bank", Yunus was dubbed "the poor banker" title, and finally in 2006 won the Nobel Peace Prize.

Focus on domestic, there are nearly 40 million of small and medium-sized enterprises, they also have a strong demand for loans, but all along, the SME financing is difficult, financing expensive, but it is a commonplace topic, the Government, society, experts are in constant review and analysis, but has been difficult to counter the countermeasures.

In the author's opinion, the SME loan is difficult, on the one hand, the distrust of the system leads to the financial institutions ' "Looking at the SME financing loans", and even often "low view", on the other hand, due to the lack of domestic financial services innovation tools or platforms suitable for SMEs.

According to CCTV, "economic half-hour" reported that on the one hand, small and medium-sized enterprises to invest in the real enterprise shortage of funds, but often small and medium-sized enterprises do not have collateral to refuse loans; but on the other hand, the large amount of money deposited in the hands of businesses and individuals is looking for suitable investment channels. How do you create a common golden waterway between investing and financing?

Perhaps, by the SME Bureau of Zhejiang Province, CCB Zhejiang branch, Zhejiang Zhong ' an guarantee group, the global network and other joint-led China's first SME network financing guarantee service platform, with reference and the possibility of national regional replication.

It is reported that since the launch of the global network in September 2010, as of July 12, 2011, 2,803 SMEs have accumulated through the global network platform to obtain 7.49 billion yuan of loans. Among them, July new lending 198, cumulative 540 million. The current monthly service lending of more than 1.6 billion yuan, and reached about 30% growth rate.

In the author's opinion, the global network of SME Financing service network platform can form the influence in the short term, and the local small and medium-sized enterprises are favored by the main, mainly by the following conditions to promote:

First of all, the support of local government, as well as the active participation of bank financial institutions and guarantee companies, have established the credibility and influence of the global network.

According to statistics, by the end of November 2010, Zhejiang Province, all kinds of small and medium-sized enterprises have reached 270多万家, accounting for the total number of enterprises in the province 99.7%. Small and medium-sized enterprises have become the important support of the national economy in Zhejiang Province, the important source of revenue, from this point of view, the SME Bureau of Zhejiang Province has the leading and participation of enthusiasm, after all, the regional economy is active, the need to mobilize the active nature of small and medium-sized enterprises, and to solve and ensure

Second, the global network adopts the Internet open mode of lending, provides a one-stop network loan service, is the traditional financial service model for small and medium-sized enterprises to innovate the truth. Through package service, the loan cost of small and medium-sized enterprises is saved.

At present, more than 30 banks are willing to join the platform collaboration, another 54 customer channel agencies, 126 service agencies and the global network to establish a strategic partnership.

Xingdong, chairman of the Global network, the work of the global network is to be through the network of this open platform to provide financial third-party technical services, to attract banks, small business owners, guarantee companies and other resources to provide a large number of corporate information, so that small business owners can get timely and satisfactory financial services. Only the open spirit of the Internet can solve the basic direction of SME loans.

Finally, the global network builds a platform for information sharing and transparency, a large amount of information, including accounting firms, law firms, even some credit collection agencies, such as industry and commerce, tax, water, electricity and other companies, through information sharing and unicom, can effectively shorten the bank credit audit and evaluation of the cycle, Speed up the flow of capital.

At present, the author thinks that global network SME Network financing service platform needs alliances, need to cloud organization way, aggregation more upstream and downstream resources, only the strength of the platform to be able to dominate and make the rules of the game, the financial service model of innovation has a foundation, also can really for small and medium-sized enterprises financing difficult, The question of financing your "open Door inquiry".

If the global network model can eventually be successful in Zhejiang province, then with the power of the Internet platform, it is easy to replicate the rest of the country, then the global network to do small and medium-sized enterprises, "Grameen Bank" is the case.

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