This should start with the requirements of banks for small and micro loans to enterprises. Generally speaking, banks are in accordance with the standards (Ministry of Industry and Information Technology Joint Enterprise NO. 20 1 1300) and the notice on printing and distributing standard provisions for small and medium-sized enterprises. There are many strict requirements for engaging in industry and financial data, and many ordinary small and micro enterprises cannot fully comply with the rules and regulations of bank loans.
Secondly, it is not that enterprises do not want to apply for loans from banks, but a large number of outlets, huge personnel systems, system equipment and so on. Banks have high operating costs, while small and micro enterprises have low loan profit margins. Although banks value this business, they are not motivated to operate it in practice. For example, the corporate account manager of a bank needs to maintain corporate customers who borrow money. If the customer is a large enterprise, the profit is high and the maintenance cost is relatively low. How many small and micro enterprise customers can an account manager grasp and serve if the bank makes full efforts to make small and micro loans? Will labor costs soar?
Finally, because the interest rate of small and micro enterprises' bank loans is basically 20%-40% higher than the benchmark loan interest rate according to their own qualifications, which is about the annual interest rate 10%. On the one hand, many enterprises are applying, but in our experience, the approval speed of bank loans is far from as good as advertised, and the remote water can not solve the near thirst, which is also the reason why the domestic private financial demand has been so strong; On the other hand, bank loans are all calculated in years, while the time for Anyi Investment to accept loans is quite flexible, calculated in months or even days. As long as the enterprise can meet the urgent needs, there is no problem. After all, the financing of Anyi Investment is only a small part of the capital demand of the borrowing enterprises.
The bank can be understood as a comprehensive 3A hospital, while Anyi Investment is a plastic surgery hospital. It is the patient who goes to the hospital. In order to treat the disease, they came to the plastic surgery hospital for partial improvement. There are many departments in the hospital to give patients the most standard symptoms, and patients with corresponding symptoms go to the corresponding departments to see a doctor; The plastic surgery hospital will give each patient personalized treatment advice. Of course, the cost will be slightly higher than that of the hospital, but patients will accept it gladly within their own tolerance.