Around the regional FMCG industry, Guizhou Panzhou Sub-branch has established a "1 N" full-process financial service scheme of "night market economy for bank suppliers", that is, banks start with leading FMCG suppliers and develop financial services along their product trading paths and capital lines to solve the financial problems of bosses.
The supplier association has a "group purchase service"
"This kind of sugar is a new variety. I just received it last week. Give it a try. Is it sweet? And this milk powder, a big brand, is very popular. Many people buy this for dolls and bring some for dolls? " This is a wholesale and retail department store in Shuangfeng Town, Panzhou City, Liupanshui City, near the Spring Festival at the end of the twelfth lunar month. Cai Li, a boss in her thirties, grabbed a handful of fruit candy in her right hand and spread it out in front of a mother who brought her children to stock up. He tore a plastic bag from the wall with his left hand and handed it over?
Looking at these dazzling new year's goods, Cai Li's husband, Jiang, said, "Business is particularly good throughout the twelfth lunar month. Thanks to Guizhou Bank, I borrowed money the first time I dealt with the bank, and the new year's goods were ready. "
The fate between Li Jiang and Guizhou Bank began with Panzhou Branch of Guizhou Bank and ended with Panzhou Suppliers Association.
In the summer of 2020, the small and micro team of Panzhou Sub-branch found that there was a supplier association in Panzhou City in the post-loan investigation. During a visit to the association, a member named Jiang suggested that he needed funds to buy goods. Jiang is a community supermarket supplier in Panzhou, with 14 community supermarket chains. Its products have short turnover cycle, fast market entry and high consumption frequency, and need strong cash flow to operate.
Considering that the operation of Jiang and its 20 self-employed and small and micro enterprises in the upstream and downstream are closely related to the daily consumption of ordinary people, the sub-branch arranged a special person to make a field trip and report it to the audit, which took two days and granted him a loan of 3 million yuan. In addition, the branch also introduced the promotion fee activity of "swipe UnionPay card discount" into his supermarket, which increased the operating income of the supermarket and benefited some consumers.
"Our association has 140 members, all of whom are' small bosses' who need loans. Guizhou Bank can help us solve the problem of' intestinal obstruction'! " Cai Li was very excited when she received the news of the loan.
The night market owner also smiled.
In addition to fast-selling merchants, night market merchants also benefit.
Luo runs night market snacks in the main city of Panzhou. In the first half of 2020, affected by the epidemic, his business has not been very good. With the arrival of summer, the night market enters the peak season. However, Luo couldn't open his door. "During the epidemic, he spent all his savings and had no money to purchase goods."
After listening to Luo's situation, the small and micro team of Panzhou Sub-branch made a market survey: Although there are 500 night market stalls in the main city of Panzhou, the scale of individual operation is small, and the amount of funds required is also small, so the loan risk and labor cost should be considered. After repeated discussions, the sub-branch actively contacted the guarantee company and the urban management department, and after many times of communication, it launched the cluster credit model of "supplier urban management bureau filing guarantee company", adding fuel to the "night market economy".
Jassamyn Liu, the head of the branch, said, "Although the night market economy is small and the credit line for a single household is not high, it is related to the livelihood of five or six hundred families, and we still have to do it." By the end of 2020, the bank had issued 14 loans to night market stalls, amounting to 2.2 million yuan. Luo also got a loan of 6.5438+0.5 million yuan, which solved the turnover problems such as buying a house and renting a house, and the small shop business was gradually on the right track.
According to statistics, by the end of 2002 1 and1,Panzhou Sub-branch had innovatively launched "merchant settlement fast loan" and "Jiebao fast loan" to provide loans to 79 customers in FMCG industry/kloc-0, with an amount of 53,962,700 yuan. The service scope includes suppliers of dairy products, daily necessities and snacks, as well as suppliers of cattle, pigs, poultry, fruits and vegetables.
Related Q&A: Related Q&A: Is it legal for Agricultural Bank of China Jie Bao to charge a monthly premium of 1 0,000 yuan? Do you think the contract you signed with the insurance company is legal? If it is legal, it is legal for people to collect money.
Jie Bao loan, also known as personal credit loan, has a normal term of two years and the maximum amount is 6,543,800 yuan+5,000 yuan. Personal consumption credit guarantee insurance is required, with the lowest rate of 2 1.6% and the highest rate of 37.9%, which will be deducted in one lump sum when the insured obtains the loan.
After obtaining the loan, the insured shall repay the principal and interest to the bank every month according to the loan amount and loan term and at the prescribed interest rate.
If your premium is not deducted at the time of loan, it is not normal, and the insurance company will set other terms for you to pay more, which may be the case for you.
Let's use a network case to illustrate. In order to avoid trouble, let's call this bank and insurance company one!
After E-Loan is successfully approved, you need to buy an insurance, which is called personal consumer credit guarantee insurance. This insurance fee will be deducted from the monthly repayment amount. (the key to the problem! ! )
For example, if the loan amount is 50,000 yuan, it will be repaid in 36 months, and it will be 2,889 yuan each month, of which 1.800 is the repayment principal and bank interest, and the remaining 1.089 yuan is the personal consumption credit guarantee insurance premium, which will be repaid every month.
I have paid off the loan for three months, with a total repayment of more than 7000 yuan, but I actually only paid off the bank principal after deducting interest. How much is the insurance premium? After calculation, the interest rate of this easy loan is too high. Those who charge double interest borrow 50 thousand, which is 90 thousand in three years What nonsense is easy to borrow, liar, liar.
The first question is yourself. It is stipulated that the premium is deducted from the loan at one time, but you have to pay it back every month. If you do this, there will be problems.
In this case, the annualized rate of three-year bank loans reaches 10%? The insurance company's premium is as high as 80%, which is obviously robbing money! It is banks and insurance companies that collude to deceive consumers.
On the other hand, the insurance company stipulates that you pay the premium in one lump sum, and you pay it in monthly installments, which means that you have to borrow money from the insurance company and of course pay interest.
In the above case, it is assumed that his highest premium is 37.9% of the loan amount, that is, nearly10.9 million yuan, and he paid nearly 210.0 million yuan over three years. What is the annualized rate? = _ =.
Insurance companies must have considered non-performing loans, risks and other factors.
The problem lies with yourself. If you don't study the insurance clauses and read the insurance contract carefully, just sign it. The problem comes out, and it must be said that it is illegal.
Can an insurance company's contract be illegal?
Admit it. Consider it tuition. You should be lucky not to buy the crude oil treasure of Bank of China.