Three big electric dealers seize the small loan highland

December 6, Suning appliance (002024, Stock bar) (002024). SZ) issued a notice that its overseas wholly-owned subsidiary of Hong Kong Suning Electric Appliance Co., Ltd. and Suning Electric Group company will each out of 225 million yuan and 75 million yuan as a registered capital in Chongqing to form a "Chongqing Suning Microfinance Co., Ltd.".

Chongqing to small loan companies to provide preferential policies, including 15% of income tax concessions, the provision of land, which is Su Ning and Ali will be their small loan companies in Chongqing's important reasons.

As an important platform to attract small and medium micro companies to enter the platform and create profits, small loan has become the common choice of the mainstream electric business platform.

Ali small loan in July 20, 2012 has achieved a single day interest income of 1 million yuan, which lures the cat, Suning easy to buy, as well as gome. Alibaba June 2010 with Fosun Group, Yintai group and million to invest 600 million Yuan group jointly set up for the Taobao merchants of Zhejiang Microfinance Company, and access to the first E-commerce in the field of micro-credit company business license, In 2011, 600 million yuan Alibaba invested 1 billion yuan in Chongqing, which has preferential policies to build a second small loan company, through the two small loan companies, Ali Finance in Alibaba business-to-business business, Taobao and cat three platform on the provision of order loans, credit loans two services, usually within 1 million yuan.

National financial regulatory authorities and some local governments for microfinance has been adopted to support the policy, microfinance business since 2008 rapid development, according to the People's Bank of China released data, as at the end of September 2012, the national total of 5,629 small loans, loan balance of 533 billion yuan, The first three quarters of new loans 141.4 billion yuan.

According to the interim measures for the administration of small loan companies in Chongqing, the microfinance companies operate according to the principle of marketization, and the loan interest rate is liberalized, but not exceeding 4 times times the benchmark rate of loans issued by the People's Bank of China. The lower limit is 0.9 times times of the loan benchmark interest rate, the specific fluctuation range is determined by the market principle, and the profit space of micro-loan is higher and more flexible than that of the bank.

Gome Online December 13 told our correspondent, "Bowser network does not exclude Gome online also launched the possibility of small loan business." "December 14, Suning Electric appliance Vice Chairman Weimin through Sina Weibo said:" The current to do the electricity business enterprise in the real profit is for the electric Business Enterprise service. With more than 90% of the independent mode of business, Suning is also hoping to become a profitable enterprise through the electric quotient platform.

Min told our correspondent, "although Suning small loan company has not been formally established, but January 2013 Suning Appliance will be dedicated to the platform strategy for the release, including the first batch of small loan users signing ceremony." ”

So suning small loans up to the maximum loan amount of 450 million yuan, according to five out of 10,000 of the daily interest rate to calculate, the highest annual interest income of 82.125 million yuan.