October is the peak month for financing demand of small and micro enterprises, especially in manufacturing and trade industries. The loan demand index for small and micro businesses reached 67.1 percent in the third quarter, up 2.6 percentage points from the previous quarter, according to a survey report released by the People's Bank of China on Sept. 14.
However, the financing of small and micro enterprises is difficult and expensive, which has been troubling the whole society. To this end, Jianyi Financial launches new products in the Beijing area to support small and micro enterprises, meet their low cost, efficient and convenient financing needs, and practice inclusive finance.
Zengxin small and micro enterprises practice inclusive finance
On October 16, Chianyi Financial held a new product launch in Beijing, with more than 500 attendees. It is reported that the release of new products from the bank fund, annual interest rate as low as 7.8%, has attracted the attention of the majority of peers.
At the press conference, the relevant person in charge of Jianyi Financial Service said that it is difficult and expensive for small and micro enterprises to obtain financing, which is the result of comprehensive factors. On their own terms, cheap access to capital is their primary goal. However, the cost of various products on the market varies greatly, from 6% to around 20% everywhere. What Jianyi Financial Services wants to do is to enable small and micro enterprises to enjoy formal and low-cost capital services.
At the same time, Jianyi Financial Service also prepared the grand prize worth ten thousand yuan for the guests. In the cheerful and relaxed atmosphere, the representatives of the industry were full of success.
Solve financing problems for small and micro businesses
Small and micro business loans are difficult, a big difficulty is credit. Because the financial data of small and micro enterprises are not mastered, the profitability and financing ability of small and micro enterprises are not fully grasped, coupled with the high amount of loans, banks and other financial institutions sometimes "helpless" to small and micro enterprises. To this end, Jianyi Financial Services creatively connects the real estate value of small and micro business owners with the financing needs of small and micro businesses, which not only solves the problem of credit, but also provides the required funds conveniently and quickly.
At present, the proportion of formal and private financial financing of small micro enterprises in our country is about 64. Compared with the more developed countries and regions, the proportion of formal financial institutions in our country still has obvious room to improve. Through cooperation with formal financial institutions, Jianyi Financial Services effectively reaches small and micro business owners with efficient and low-cost financial services, so that the funds are actually put to good use.
Linking property values to small and micro businesses
Before, Huang Chao, president of Jianyi Financial Services was invited by Rongba network to talk about the whole real estate after the market and small micro economy. Huang Chao said that the current property market has changed from an incremental market to a stock market, which is what we call the property aftermarket. The after-market of real estate can not only tap huge potential, with a market size of over 100 trillion yuan, but also recycle credit, which can effectively help small and micro business owners to finance under the current situation of financing difficulties for small and micro enterprises.
As a link between small and micro enterprises and formal financial institutions, Jianyi Financial Services on the one hand, through its own credit enhancement, the use of asset securitization and other financial instruments to obtain low-cost funds, so as to reduce the financing costs of small and micro enterprises. On the other hand, through professional financial team and advanced risk control model application, Chianyi Financial Services has become an important partner of major financial institutions.
Since its establishment in 2016, Chianyi Financial has been using the value of real estate to help small and micro businesses meet their financing needs. In the future, Jianyi Financial Services will continue to deepen its efforts in the aftermarket of real estate. Through innovative fintech means and cooperation with the industry, Jianyi Financial Services will more accurately grasp the financing nodes and life cycle of small and micro enterprises, and realize professional, proceded-oriented and standardized inclusive finance.
