Haier fully accesses the "Big Goose System" of online business banks, and the loan availability rate reaches 90%

Recently, Haier Group fully accessed the "Big Goose System" of digital supply chain finance of MYbank, and with the help of the "Big Goose System", Haier's downstream distributors obtained a 90% pass rate of financing, and digital finance boosted Haier's sales by 5%. In the future, Haier plans to cooperate with online business banks to provide more preferential comprehensive financial services for more than 30,000 downstream small and micro operators, and accelerate the digitization of the industrial chain.

As the world's first brand of large-scale home appliances, Haier has continuously accelerated the digital operation reform of county and township dealers with the help of a digital distribution management platform. However, the more the channel sinks, the weaker the dealer's funds.

"Channels are the key to brand development, Haier's digital transformation is from the past top-down control channel model, to a bottom-up service model, online business banks have the advantage of natural service small and micro, so the cooperation between the two sides coincides." Li Huagang, senior vice president of Haier Group and president of Haier Zhijia, said.

It is understood that the "Big Goose System" is an online business bank initiated by Ant Group, based on the supply chain relationship between core enterprises and upstream and downstream small and micro enterprises, developed a set of digital supply chain financial solutions to solve the credit needs and comprehensive capital management needs of small and micro enterprises in the whole link of production and operation such as supply collection, procurement and ordering, shop collection, franchise, salary and so on.

The traditional supply chain finance model generally relies on the "1" of the core enterprise to serve the "N" small and micro enterprises in the upstream and downstream of the core enterprise; and the digital supply chain finance hopes to be more inclusive, treating each "N" as a center, a new "1", to explore and serve more "N" behind them, to serve N-level users, to provide pure credit, pure online credit services for more small and micro operators.

Digital platform, access to digital financial services, seamless operation process so that dealers deeply feel the convenience and benefits brought by the Internet. Xin Guang is a dealer in Shouguang, Weifang City, Shandong Province, he uses Haier's digital platform to purchase, check the online business bank purchase loan, more than 700,000 funds hit the Haier account in a second, you can wait for the receipt. "Originally, the house was mortgaged, borrowed the bank's money to buy goods, and now it is very convenient to use the loan of the online business bank, borrow at any time to repay, I can turn around 3 times a month, and the amount is getting higher and higher."

The accumulation of Xinguang credit loans also relies on Haier's digital platform, and each purchase volume and sales situation has moved from offline to online, the business has become bigger and bigger, and the amount of procurement loans has increased from more than 100,000 to more than 700,000.

According to statistics, since Haier accessed the "Big Goose System" of the online business bank, it has granted a total of 3.5 billion credit to downstream dealers, driving the overall sales increase by 5%. Of the dealers who have used loans, 53 percent are from the Midwest.

Qi Baoying, Haier's dealer in Gansu, turned from a service distributor to a retail terminal to open a store because the capital chain could not keep up 3 years ago. "Distributors occupy more funds, and it turns out that every loan has to run to Lanzhou." This year, I also applied for a purchase loan of 1.17 million yuan from the MYbank on the platform, and it was completed in a few minutes. Saving a lot of time is saving us costs. “

"The Central and Western regions have always been areas where our sales are relatively weak, which has something to do with the imperfection of local financial services." After cooperating with MYbank, sales in the Midwest have continued to increase significantly, and the financial services covering the whole country on the Internet have stimulated the vitality of the local market. Li Huagang, senior vice president of Haier Group and president of Haier Zhijia, said, "The combination of digital platforms and digital financial services is not to sell more goods to dealers, but to make dealers more capable of selling goods." ”

It is understood that in order to do a good job in the financial support and service work of small and micro enterprises, 6 banks such as the All-China Federation of Industry and Commerce and the Online Commercial Bank jointly launched the "Micro Assistance Plan". MYbank and more than 500 brands such as Haier have access to the "Big Goose System" to jointly carry out micro-assistance actions, and provide special financial support for small and micro operators in the supply chain through interest fee reduction and other means to help small and micro operators.