Putian Set Up E-Commerce Credit Risk Compensation Fund To Solve The Problem Of Lack Of Money For Small And Micro Businesses

< p > "double 11" Shopping Festival, the "a href=" //www.sjfzxm.com/news/index_p.asp "Putian" /a "Anfu electric power Corps has gained a lot, thousands of Taobao sellers and Tmall mall store sales exceeded 500 million yuan.

The Anfu market, once famous for its shoe concentrated sales area, has now achieved pformation and entered a period of rapid development. Putian plans to build Anfu as an electronic Yiwu with Internet sales over 100 billion yuan in 3 years.

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< p > electronic commerce is a burning industry. We must have strong financial support. Putian set up an electricity supplier credit risk compensation fund to promote the credit lines of all major banks to increase the level of credit for e-commerce enterprises and solve the financing problems of e-commerce enterprises.

Putian Construction Bank, Xingye Bank, Minsheng Bank, China Merchants Bank, Straits bank and other banks started from the actual needs of small and medium-sized micro enterprises in Putian, specially tailored innovative financial products for them, and accumulated more than 200 million yuan of loans.

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< p > < strong > Putian enters the list of Internet merchants to develop 100 cities, < /strong > /p >

< p > located in the main street of Putian, the Anfu community of the learning Street North Street is made up of more than 10 residential buildings. It was once famous for selling fake shoes and fake shoes on the Internet.

With Anfu district as the center, there are nearly 200 thousand people in the vicinity.

"There is no way out for counterfeit and counterfeit businesses. Under the dual impact of high pressure strike and preferential policies in industrial zones, a large number of" Ah Fu "has become a self created brand nowadays.

Chen Zhijun, director of the economic and Trade Bureau of Chengxiang District of Putian, said that the two level government of Putian and Chengxiang district has issued policies since the beginning of last year to actively guide and encourage Anfu electric business to have a href= "//www.sjfzxm.com/news/index_h.asp" > pformation and upgrading < /a >, create a brand, or act as a regular brand at home and abroad.

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< p > "only this year's" double 11 "day, the total sales volume of Putian Anfu electricity supplier has exceeded 500 million yuan.

Putian economic and Trade Commission, commerce and Trade Division staff account for the introduction, according to the national development and Reform Commission, the Ministry of finance, the Ministry of Commerce and other 8 ministries and commissions latest statistics, Putian has ranked the top 100 Internet business development index cities.

At present, the express business volume of the express business is ranked forty-third in the 336 cities of the country.

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< p > according to statistics, in 2012, more than 100 brands were settled in the core area of Putian Anfu electric mall. At present, there are more than 300 independent brand merchants and more than 500 domestic and foreign brands, covering less than a href= "//www.sjfzxm.com/news/index_x.asp" > shoe leather < /a > clothing, bags, IT digital and many other industries.

In 2012, the net sales value of Putian Anfu market reached 10 billion yuan, and it was expected to reach 30 billion yuan in 2013.

Putian has also planned to cultivate 1000 brands in 3 years and bring together 30 million net troops to build Anfu electric business city into an electronic Yiwu with Internet sales exceeding 100 billion yuan annually.

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< p > < strong > small and micro businesses generally lack money < /strong > /p >

< p > Xiaojiang, who has been selling shoes for many years, is a member of many "network army" in Putian.

Xiaojiang said that he has been in touch with e-commerce since 2008.

Originally, he also started off by selling no brand and high imitation shoes. In 2010, the relevant departments of Putian increased the management of Anfu District electricity supplier, and more and more online shops could not survive.

As a result, Xiao Jiang was determined to stop selling "Ah Fu", but specialized in selling brand sports shoes.

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< p > this year's "double 11" period, despite the hot online sales, some small and micro businesses in Putian did not earn money because the shortage of funds resulted in insufficient storage, the order could not be cashed, or the delivery was slow to be complained, which was punished by the trading platform.

On the other hand, because some styles are not popular, there are several tens of thousands of stocks in the warehouse of some shoe net sales brands, and the pressure of funds is increasing.

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< p > "at present, Putian has thousands of electric business enterprises, most of which are small and micro enterprises."

Putian City Finance Office Mr. Zhu said that the lack of money in small and micro enterprises showed the characteristics of short and fast. In general, hundreds of thousands of yuan of funds often help them to take a new step.

Mr. Zhu said that most of the small and micro businesses in the initial stage are often unable to get credit from banks because of mortgage and credit qualifications. It is very difficult to obtain loans from banks, which restricts the development of the industry.

Because these enterprises are highly risky and easy to go bankrupt, banks can not evade this risk.

Therefore, most banks are reluctant to lend money to small and micro enterprises.

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< p > < strong > establish the credit risk compensation fund for electric business credit < /strong > < /p >

< p > Putian Financial Association pointed out that small and micro business financing difficulties, on the surface is lack of money, in essence, lack of information, lack of credit.

Through the third party to provide information and credit services to solve the problem of "two shortages", and thus form a new mechanism of "small and micro businesses - Credit Service Institutions - commercial banks" interest sharing and risk sharing, it is one of the key measures to solve the financing difficulties of small and micro businesses.

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< p > the Putian municipal government recently issued some opinions on accelerating the development of e-commerce, injecting a "strong heart" to the local electricity suppliers.

The opinion put forward that Putian will build a multi-level investment and financing service system for e-commerce enterprises.

We should guide banking financial institutions to accelerate the introduction of financial products that are suitable for the characteristics of e-commerce enterprises, and encourage financing Guarantee Corporation to provide credit guarantee for financing of e-commerce enterprises.

Actively explore electronic orders, warehousing inventories and accounts receivable pledge, industrial chain core enterprises, E-Commerce Association guarantee, group members joint guarantee and other loan guarantee methods, to solve the credit problems such as insufficient mortgage of e-commerce enterprises.

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< p > at the same time, it supports the establishment of an electronic commerce risk compensation fund of not less than 10 million yuan by the governments of counties (districts). The Municipal Finance shall arrange additional investment according to the 30% of the risk compensation fund, providing financing guarantee for small and medium-sized e-commerce enterprises, and focusing on supporting the e-commerce industrialization project with good market prospects and high technology content.

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< p > < strong > website traffic can also be used as a loan condition < /strong > < /p >.

< p > in early May of this year, Putian Chengxiang District Economic and Trade Bureau, Putian online business pioneer park and Putian branch of Straits Bank signed a three party cooperation agreement.

The agreement is clear, by the Chengxiang district government and enterprises joint financing, the establishment of not less than 10 million yuan of risk compensation fund; cooperative bank at no less than 1:10 ratio, expand the jurisdiction of the region to standardize the business enterprise credit, the total credit line will exceed 100 million yuan.

At present, the first phase of the risk compensation has been launched and the start-up capital is 3 million yuan.

"When the business enterprise applies for loans, in addition to using fixed assets as collateral, inventory data, web browsing traffic and other network data can also be used as loan assessment conditions, greatly reducing the financing threshold of small and medium micro businesses."

Mr. Deng, Putian branch of the Straits bank, said that as of now, the bank has authorized $68 million for more than 100 small and micro business enterprises in Anfu electric mall.

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Mr. P, a staff member of Minsheng Bank Putian branch, said that this year, the bank set up a total of 50 million yuan "micro time loan" project quota, dedicated to Anfu e-commerce city and the surrounding wholesalers.

This kind of loan is unsecured, unsecured and pure credit. The single household quota is between 100 thousand yuan and 1 million 200 thousand yuan, which can directly meet the loan demand of hundreds of business providers, and solve the problem that the electricity providers are denied loans by other banks due to less goods and lighter assets.

Up to now, the bank has provided financing for 50 electric business enterprises in Anfu electric mall and 16 million yuan in loans.

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< p > "in addition to websites and some inventory, we do not have more assets to be seen by banks, and have never thought of obtaining loans at banks before."

Xiaoli, who has just won a 400 thousand yuan loan from Minsheng Bank, told reporters that the bank sent them "timely rain". He and another shareholder are preparing to continue to expand their scale, increase their inventories and carry out proper marketing.

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< p > < strong > on stock theory < /strong > < /p >

< p > < strong > attention to subject matter plate adjustment risk < /strong > < /p >

< p > < strong > host: Huafu securities Putian Meiyuan Road Sales Department < /strong > /p >

In November, the HSBC PMI preview value was 50.4, down 0.5 from last month's final value of 50.9, and less than 50.8 of market expectations. P

But it lasted for 4 months in the economic zone, and it was 7 months high.

Most of the 11 sub indices that constitute HSBC PMI have a downward trend and a cyclical slowdown.

The PMI preview in November has dropped somewhat since last month, further showing that China's short-term economic growth has dropped to a stable growth range. On the basis of maintaining the "upper and lower limit" management of the short-term economy, macroeconomic policy will focus on promoting the medium and long term regulatory objectives of structural adjustment and Reform.

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< p > under the condition of stable performance of "a href=" //www.sjfzxm.com/news/index_cj.asp "macroeconomy < /a > and the overall stability of economic policy, the overall blue chips will remain stable or stable.

In terms of allocation of A shares, it is recommended to maintain a lack of judgement of trend opportunities and focus on the overall strategy of structural opportunities.

At present, the macroeconomic situation and the macro policy trend are relatively stable. The market has digested and assessed the specific contents of the comprehensive deepening reform in depth. In this process, a number of related thematic opportunities are being manifested and become the mainstream opportunities in the current market.

At the same time, we need to pay attention to the rhythm of this kind of theme, and pay attention to prevent the adjustment risk of the related theme plates after the short term performance.

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At present, "P", robust investors can continue to optimize the position structure of long period configuration varieties based on the background of economic pformation and the acceleration of the reform process. At this stage, the stock position center can be maintained at about 20%.

Radical investors can continue to pay attention to the structural opportunities of related topics in the overall deepening reform, while preventing the risk of speculation in the relatively full subject stocks.

Investors with lighter positions can continue to track down varieties with continuous growth capability and reasonable valuation; investors with heavier positions will continue to adjust their positions to a reasonable level.

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