Sudden rainfall, fate knocks, industrial change is indispensable.
It's hard to close, and it has to be passed.
And to the peak sales season, Jiangsu Rugao's Li net began to worry, agent Mengniu for more than 10 years, the business is getting bigger and bigger, do not worry about selling goods, they are worried about the lack of funds on hand, can not turnover.
According to the routine of previous years, at this time, he has to mortgage his own county house, take a plane to a bank headquarters to borrow, round-trip air tickets 5000-6000, not only strict review procedures, the mortgage value of real estate is also greatly reduced, the funds to the account can not solve the gap in the peak season, he can only hold the "talk is better than nothing" mentality to comfort himself.
But this year, Li Net did not leave the house, did not mortgage the property, moved his finger on the mobile phone, and got a quota of 1 million yuan from the online business bank, which was enough to support the trading of the entire peak season.
Yes, the key to the dealer's business is the time difference between the purchase and sale of goods in full, the pain is that the funds are difficult to return, and the United States can be financed and circulated.
At the beginning of this year, such a requirement of "innovative supply chain financial service model" was written into the high-level work report.
The intent is clear:
Comparing the business world to people, finance is "blood". Small and medium-sized enterprises, which account for about 90% of the total, contribute a lot of GDP and employment, and need financial blood to survive. However, more than 90% of small and medium-sized enterprises do not receive bank support, which is obviously inverted from their contribution, and their financing is difficult and expensive, and they urgently need to change.
At the same time, Brands such as Mengniu and Haier also expect the new model to solve their "old stubborn diseases": for example, in addition to large dealers, small and medium-sized dealers can also get loans; brand owners do not need to guarantee suppliers, dealers, etc. Alleviate decades of burdens and costs.
Now in the Internet era, big data has exploded, and the pain of this kind of industry can finally be cured by science and technology.
"Massive information can be cross-verified in multiple dimensions, can be identified and analyzed under the ability of science and technology, the credit of the subject and the credit of the debt are rebalanced, and the institutions and borrowers trust because they know each other, and because of trust, it is simple." Jin Xiaolong, chairman of MYbank, explained.
For example, Mengniu's 20,000 dealers and 1.3 million retail stores, after accessing the online business bank, 80% of the "old partners" like Li Net obtained operating loans, making up for the lack of liquidity.
Mengniu survey shows that dealers who have not used financing have sales increased by 10% over last year, and dealers who use the above financing have increased their sales by 22%. See you from above and below.
Supply chain players "come from the industry and go to the Internet", open up a new world of technology and finance, and enjoy the explosive power of the Internet and the staying power of industry.
Tens of millions of small bosses are therefore universally benefited, compared to the currency circle, mining nonsense, chaos, this is not much more than them?
In the past two years, the bulls, ghosts, snakes and gods such as the coin circle and mining have been forced to go offline by supervision, and the top management has repeatedly made it clear that Internet innovation should be "out of the virtual into the real", and the implementation has changed from "advocacy" to "must".
To paraphrase Li Xueqin's hot stem: the end of the universe may not be Tieling, but the end of the Internet must be industry.
<h1 class="pgc-h-arrow-right" data-track="21" > difficult </h1>
Previously, the supply chain field was a place where "only logic was believed, there was no miracle at all".
A bag of milk, a cell phone, a refrigerator... They go from sourcing raw materials, manufacturing, and brand shipping to primary distributors, secondary distributors, retailers, and consumers, and the entire chain is called the supply chain. Each link is closely coordinated, and the supply of goods can continue to flow to meet the needs of consumers.
It seems that the brand owner is the core of the entire chain, and people like Haier and Want Want are also infinitely beautiful. But in fact, dealers and retailers at all levels are their close comrades in arms to seize the market. At the end of the year, the big bosses of the brand will even give them a toast.
The problem of this group of comrades-in-arms is also the problem of the brand, their capital account period in and out of the cargo room, the liquidity is tight, and the brand must also help solve it.
Take Haier, for example, more than 30,000 sales outlets, thousands of dealers, billions of capital gaps every year, and it even uses its own credit guarantees and bank loans to help suppliers replenish liquidity. But the price is their higher financing costs, less credit, and can only benefit 20% of the head partners, can not afford to stack a stronger Buff.
Later, Haier also cooperated with several banks to provide logistics information and business history data to help dealers lend funds, but it was still inevitable to mortgage, guarantee, small amount, and small benefits. The process was very hard, and the results were still not satisfactory.
For example, 1 million inventory, secured, loaned 700,000-800,000 funds, is already a gift. And those low-end dealers and retailers with smaller purchases can only be self-reliant like Li Net.
A supply chain expert explained to Xiao Haozi: Don't blame the banks for being rigid, after all, they are risk control first, they can't get dealers' more comprehensive income and expenditure in and out, business details, wood has panoramic data, can not be analyzed, not good judgment, can only sacrifice mortgages, guarantees and other old routines.
After all, the laws and regulations are strict, do not pay attention to the face, and now casually lend, I am afraid that I will not be able to bear it in the future.
In fact, the real supply chain lacks a breakthrough point of "coming from the industry and going to finance", and then importing the dividends of the times and creating a miracle of upgrading.
<h1 class="pgc-h-arrow-right" data-track="60" > old trees blossom </h1>
And the Internet is where the hope lies, as long as there is accumulation, everything is not in vain.
As early as the beginning of 2017, MYbank, Cainiao Network and Tmall jointly built a supply chain financial service process, opened up all aspects of the Ali merchant supply chain, coordinated sales flow, logistics, and capital flow, centralized all operational data, and used machine learning algorithms such as decision trees, random forests, neural networks, and incremental learning to explore ways to evaluate and grant credit.
At that time, its loans were already inclusive of fresh, fast moving consumer goods and other unstable goods, sales variables of the merchants, to get the general bank to mortgage, to guarantee the steak sellers, fruit merchants. Before Double 11, this supply chain financial system covered 2.75 million merchants, reducing their financing costs by 15-30%.
Now, under the 4-year time package, the above new model has completely gone through, according to the "Innovator's Answer": products or services, "not perfect", are closed to do themselves, "good enough", should be used as infrastructure, open, overflow, empowerment.
At this time, the degree of digitalization of large brands is high, there are a large number of contract constraints, trade documents, and flow references, which are homogeneous and isomorphic with the supply chain risk control of online commercial banks, which is easier to form resonance and more able to analyze the credit profile of dealers.
Especially last year, Ou Jianfeng, CEO of Libai Financial, said: During the anti-epidemic period, MYbank provided contactless loans for many dealers in important areas, helping them survive the crisis, and even assisted the entire daily chemical industry to resolve capital risks.
Under the demonstration effect, as soon as the brand supply chain financial system is perfected this year, 500 brands will immediately come to the door to cooperate and operate the "big goose system" with the online business bank (the brand head goose leads the flight, and the dealer takes off together). Brands operate in templates, and the scale and coverage of supply chain finance have rapidly doubled.
As a result, Li Net used his mobile phone to apply for a purchase loan of 1 million yuan, as well as the distributor of Golden Gong Ham Sausage, because at the same time, brands such as Rio were covered by the "Big Goose System", and after the supply chain network was fully identified, the credit line doubled several times.
In a word: the original brand, dealers looking for money, now money to find brands, dealers. Old trees blossom and blossom, and the resources of the hot list are mentioned.
<h1 class="pgc-h-arrow-right" data-track="62" > didn't work </h1>
Yesterday's things, such as yesterday's death; now's things, such as this time's life. It's not just brands that change their lives, but also banks.
For example, Zhu Nannan, a Wangwang distributor in Suzhou, Anhui Province, is out of stock in its downstream supermarkets, and she wants to replenish them at any time. In the peak season, the supermarket is slow to collect money, the purchase of goods and full payment, the liquidity gap is very large, but the local bank can give the upper limit of credit is 200,000 yuan, relying on their own fundraising, can only miss the peak season.
But now, postal savings bank and online business bank jointly, based on the trade relationship of the supply chain, to build a data risk control model, to provide digital supply chain finance for want dealers, Zhu Nannan thus got a quota of 2.3 million yuan, the business is getting bigger and bigger.
The Postal Savings Bank can also give full play to the advantages of offline outlets, strengthen the service of local customers, and at the same time, change the "arithmetic thinking" of banks that only talk about mortgages and guarantees, and solve information asymmetry and match new business in compliance under the "probability thinking" of technology. After all, the deposit-to-loan ratio of postal savings is low, and there are many grains and grasses that can serve the real economy.
For example, the international consulting company BCG analysis: in the past, banks, the front office business was subject to the inefficiency of the back office, only the transformation of digitalization, intelligence can solve such contradictions, that is the key to the success of the domestic banking industry competition.
And all this can only be clearly grasped by relying on technology.
For most banks, instead of allowing their aquatic "cheeks" to evolve into a "lung", it is better to learn postal storage, find suitable Internet partners, dream linkage, and start a double happy.
In the final analysis, after correcting deviations, the current Internet industry is entering a rational cycle, the second half of the industrial Internet, its resource allocation is more reasonable, more intensive, more able to drive the integration and integration of behind-the-scenes infrastructure, but also need banks and other established industry institutions "comrades conspire, conspire with the wise", so that the interconnected world is more vast.
Everyone shares multi-dimensional capabilities, collaborative governance, innovation does not destroy, collaboration does not replace. This is the "big coincidence" that Internet technology should have - not to create chaos and division, but to create symbiosis and co-construction.
It's like Nobel laureate Robert Schiller put it: Industry exists to help achieve larger, stronger social goals.
So, in the end, the Internet is definitely not used to roll in, but to assist the old industry. Now it has handed over the answer sheet in supply chain finance, and it is also helping manufacturing, agriculture and other industries to trudge out of the mud and fly through the vicissitudes.
It is indeed time, "the rain falls, fate knocks, let the industry lead the way." ”