Having inventory on hand means losing money, but it is really difficult for small and medium-sized steel traders to do business without physical goods such as steel as collateral. In addition to being limited by conditions such as mortgage and pledge, it is more difficult for steel trade enterprises to raise funds as a whole due to the influence of individual enterprises' dishonesty. Steel trading enterprises that are struggling to survive because of persistently high costs are in an even more difficult situation.
Can I get a loan? Can I borrow it? How much can I borrow? How long will it take to arrive? Is it safe? Many small and medium-sized steel trading enterprises said that these are the issues they are most concerned about in the financing process. The development of enterprises needs the support of financing, and steel trade enterprises call for high-quality and efficient financing services. Digital banking may be the solution.
Internet Banking: "Digitalization" and "Online" Solve Problems for Small and Micro Enterprises
Due to the importance of capital security, banks have always left the public with the impression of strict supervision, complicated procedures and huge but bloated service support system. The rapid development of technology and the popularity of users determine the characteristics of online banking, including technological innovation, user experience, speed and security.
Internet banks have a natural "intimate relationship" with small and micro enterprises. Compared with the traditional financing business preference, the financing needs of small and micro enterprises are short, small, frequent and urgent. Traditional credit is difficult to meet their financing needs, while Internet banks can provide financial support for small and micro enterprises scattered all over the country at any time to meet their small and high-frequency capital needs. In short, the two have a natural fit.
Weizhong Bank is the first Internet bank in China. As a product of deepening financial reform, Weizhong Bank has chosen the business form of digital banking since its establishment and is committed to serving the development of the real economy. In 20 17, Weizhong Bank launched the online unsecured enterprise loan product "micro-industry loan" based on the integration of big data risk control, Internet product design, Internet technology and digital marketing, and has accumulated rich successful experience in serving small and micro enterprises since then.
At present, Weizhong Bank serves more than 22 10000 corporate customers of small and micro enterprises, and the user footprint covers more than 200 cities at or above the county level in China.
Digitalization is one of the important characteristics of micro-credit loans. Along this line of thinking, Weizhong Bank has found an effective way to solve the problem of "difficult and expensive financing" for small and micro enterprises, so as to better serve long-tail customers and practice inclusive finance.
Weizhong bank supply chain finance: no pledge, no bank running.
Along the "digital" extension scene, supply chain finance of Weizhong Bank, which serves small and micro enterprises upstream and downstream in the supply chain, came into being.
Many steel trade business owners said that some banks have harsh loan conditions and rely heavily on warehouse receipt pledge, which brings inconvenience to corporate financing. The unique feature of Weizhong Bank's supply chain financial services is that it does not need pledged loans and does not rely too much on the credit of core enterprises.
Some bosses will ask, will the risk fall to the bank? How should banks control risks? In fact, through effective means such as the interaction between banks and taxes, the tax authorities can provide a large amount of data on the tax payment behavior and operation of enterprises. Through these data, relying on the digital model, Weizhong Bank can conduct online real-time and rapid comprehensive evaluation. This way of big data risk control effectively solves the problem of credit evaluation. On the basis of enterprise risk assessment, Weizhong Bank's supply chain finance combines the transaction background data of enterprises in industrial chain, supply chain and distribution chain to increase the trust of enterprises, thus getting rid of the dependence of traditional supply chain finance on goods pledge, core enterprise credit and accounts receivable and payable. Therefore, even the smallest suppliers and distributors, Weizhong Bank's supply chain finance can effectively assess their credit risk and let them enjoy high-quality and efficient financing services.
Some steel trade business owners said that bank loans have a long lending cycle and complicated procedures, and they often have to go to the bank, which brings a lot of inconvenience to their daily operations. Enterprise users who use micro-loans can complete the whole process from application to approval to loan account online through a mobile phone, which is very convenient and fast. In addition, there is no need to submit additional paper materials, which also eliminates the trouble of the business owner running the bank. Wechat business loans can be obtained in minutes, which effectively shortens the lending cycle and enables small and micro enterprises to get financing in place quickly. Weizhong Bank can effectively reach dealer users in big cities and small counties by strengthening cooperation with core enterprises and giving full play to online business advantages.
It is understood that the "Golden September and Silver 10" of steel trading enterprises is coming soon, and it is believed that steel trading enterprises will also face a wave of pressure impact of stocking funds, so it is extremely important to make good capital reserves in advance. Now scan the QR code of the poster, or click to read the original text, and immediately apply for a loan from Weizhong Bank in Wechat business to help enterprises face the peak sales season.