民生银行携手慧聪网发展情况调查分析

Minsheng bank to development condition survey analysis

At the beginning of the New Year, January 15,, China minsheng bank credit card center to at a joint news conference held in Beijing, and announced the launch of the livelihood of the people from the new e credit platinum credit card. "This kind of specialized network business circle small micro enterprise credit card, through certain procedures after the audit, it will directly to issue to useful money demand business owners." China minsheng bank credit card center YangKe President said.

The livelihood of the people from the new e credit platinum credit card is the center of credit card of bank of the people's livelihood for little micro business owners of customizing one credit card products, is also the first paragraph by credit card do carrier, in view of the small micro enterprise in the B2B platform accumulated network credit as the foundation and roll out unsecured free guarantee, agile rated microfinance products.

Is the leading B2B e-commerce platform, twenty years of development, platform collected more than 16 million registered users and more than 150000 pay enterprise users. A lot of enterprise because of its size is limited, it is difficult for the traditional way to obtain loan from the bank, but from years of cooperation, accumulated a lot of trading and service data, "these data foot can be transformed into enterprise financing credit, and therefore obtain loan from the bank. We hope and the people's livelihood credit card center of strategic cooperation can change a lot of small small business owners a credit is hard to find situations." CEO GuoJiang said.

YangKe said: "the Internet small micro finance is minsheng bank credit card center of bank of the people's livelihood adhering to the service small micro enterprise consistent idea, in the new economic form, on the Internet small micro financial services. We expect new exploration with the cooperation from the people's livelihood credit card center to bring new business growth." The data shows, minsheng bank is the small loans leader enterprise, small micro loan balance 2012 already more than 300 billion small businesses, service more than 90 households, has the rich small micro loan experience. By the end of 2012, the people's livelihood in the national credit card center has more than 73 marketing center, employees more than 8000 people. The first credit card in the 2005 public offering, up to now hairpin quantity has nearly 15 million copies.

And the Internet company's small loan products compare, the new e credit card is a bank for the first time in credit card mode in the Internet financial services. For the enterprise legal person by the large amount of credit card, have high amount, costs less and cycle with credit, borrow with also, charge agile etc. These features just meet the needs of small micro enterprise as a legal person, like to the enterprise legal person a ready cash cheque.

The applicant according to the credit rating, the highest can obtain 200000 yuan based line of credit, plus bank that transaction records and other related qualification, highest can obtain 500000 yuan of the circulation line of credit. A credit line, three years effective, don't every time to credit, to provide agile pricing and reimbursement way, at the same time support by the day or installment billing, greatly convenient small micro business owners in the consumer and its purchasing fund demand. In addition, the livelihood of the people from the new e credit platinum credit card interval pricing model, can meet different levels for the needs of users, in the existing Internet small micro financial services highly competitive.

All the people's livelihood bank branches in the city all can accept local users for this credit card application, area throughout the country dozens of area, and basically covered the domestic economic developed areas.

At present, the domestic bank how to through the Internet service small micro enterprise customer is still in the stage of exploration, clear pattern has not been formed. On the one hand small micro enterprise customer base is dispersed, if can't realize the scale development and operations, will appear high cost and low efficiency; On the other hand, Banks need to the traditional credit and risk control system of bold innovation, not only should the small micro enterprise network credit into the credit evaluation model, also set up a corresponding risk control and early warning mechanism.

And is a focal point for the domestic numerous small micro enterprise platform, this will undoubtedly improve bank customer development speed, through this platform and data butt, small micro enterprise in accumulated network goodwill can also true appear in front of the bank, minsheng bank credit card center for small micro business credit assessment and risk control to provide direct support. On, it meet the small small business owners need financial support, will greatly improve the customer experience, improve customer viscosity.

GuoJiang said: "the people's livelihood and credit card center cooperation, for customers to provide quality from small micro financial services, will benefit through B2B trading financial link, promote customer benign operation. 2013 will be fully to deal, and the people's livelihood cooperation is sounded the assembly number."

At present domestic small micro enterprise loan market basically has bank, small loan companies and other folk financing way. The requirement of the bank mortgage, guarantee, process complex, processing cycle is long. Small credit loans company scale and the company's capital metallographic association, the scale loan is restricted, the use of capital cost is too high. Other folk financing ways in the policy edge, with the great risk. In such a market background, minsheng bank credit card center and win-win co-operation, play to their respective advantages, will certainly to small micro enterprise loan industry layout, product structure, and related banking, the Internet industry has brought profound influence, and as an industry benchmarking sex mode, leading the industry development.

A total of 2012 icbc issue international trade financing more than 200 billion us dollars, up more than 33% increase, the happening and the balance of the market than in the domestic industry is the first, effectively support the healthy development of foreign trade enterprises.

Icbc according to import and export situation changes and foreign trade enterprise's actual demand, develop the supply chain financing, and actively promote local, domestic and foreign trade series product portfolio and processing trade margin standing book, comprehensive trade financing product and service system has improved constantly. At present, icbc in international trade financing areas for the import of issuing, import trade, forfaiting, export factoring, order financing, export invoice financing and other international financing series products as main product, introduced a set settlement, financing, financial functions as one of the free combination "service supermarket" mode, to provide cover international trade and extended to the whole domestic trade settlement, financing, financing and risk management comprehensive service. At the same time, icbc give full play to the advantages of internal and external linkage, relying on advanced technology platform and overseas business network, for international customer custom-made characteristic trade financing solutions to help customers effectively reduce the cost of capital, to avoid exchange rate risk, reduce foreign payment funds facing the pressure, to ensure the safety of the enterprise accounts receivable.

In order to further improve trade financing service level, icbc also seriously implement state on promoting the development of foreign trade of a series of measures, continuous innovation export financial services. August 1, 2012, icbc for success in foreign trade in goods management reform after the implementation of the New Deal officially the first single import and export in the payment business, this is our country foreign trade in goods management reform after the implementation of the New Deal for the first import and export foreign exchange settlement business. Compared with the previous, the enterprise in the icbc for the goods to be single pen export business than ever before in the save 73% of the time, single pen import payment business is ever save 64% of the time, formalities more simple, significantly improve the efficiency of capital turnover of import and export enterprises.

In the innovation export financial services at the same time, especially pay attention to icbc for mini, small and medium foreign trade enterprise which can satisfy the personalized needs of financing support. According to this kind of enterprise net assets, less ratio is high, but trade relations and reliable, logistics and cash flow stability characteristics, the bank made to sales, operating cash flow as the core of the foreign trade type enterprise credit way. At the same time, in view of the small and medium-sized foreign trade enterprise financing demand is short, frequency, urgent characteristics, the optimization of the rating, credit, and product evaluation and approval of business process, improve the financing needs of the customer response speed and service efficiency.

Such as icbc found in the research, a large number of small foreign trade mainly credit way and the foreign importers to settlement, but the international financial crisis overseas importer since the credit status of fluctuation for enterprise whether can recover in time the payment for goods brought uncertainty. In order to satisfy the enterprise financing demand, icbc introduced a buyout type export double factoring business, i.e., icbc as export factoring business, and import factor common to provide including export trade financing, importers credit investigation and evaluation, sales accounting treatment, accounts receivable management and after the comprehensive financial services. These services help small businesses not only solved after shipment from the financing gap, alleviate the enterprise capital turnover pressure, and make the enterprise to cash advance realize withdrawal of accounts receivable, and improve the cash flow. Not only that, small businesses can also advance to handle foreign exchange and export tax refund formalities cancel after verification, effectively locking the exchange rate risk, and improve the product's export competitiveness.