Shortage of funds has always been a prominent problem faced by agricultural operators in today's society, especially those engaged in farming industry. They need to buy a large amount of feed for feeding every year, and the payment method for buying feed is mostly cash. Therefore, the financial pressure faced by agricultural operators is self-evident, and the demand for loans is widespread and strong.
However, because the publicity of financial institutions in the agricultural field is not in place, agricultural operators are not clear about the loan financing policy process, coupled with the lack of collateral and low assessed value of assets, "difficult loan" has become a big mountain in front of the majority of agricultural operators.
At present, the rise of the Internet has triggered a new exploration of agricultural finance by science and technology enterprises with Internet, big data and other cutting-edge technologies. Xiaozhu Collocation is a financial policy information matching platform born to solve the financial problems of agricultural operators. As a product of Yunpin Interactive, which is owned by Beijing Weizhi World Holdings, a listed company on the New Third Board, Xiaozhu has strong front and back office operation resources as support. Weizhi World has been focusing on digital services for five years and is the leader in China's SaaS industry.
Xiaozhu's team members are all senior practitioners from the fields of Internet, agricultural economy and finance. Its chief operating officer, Wu Dai, has ten years of experience in traditional agricultural enterprises, from foreign companies to self-established feed factories. He knows very well the operating difficulties of operators of agricultural means of production and the cost pressure they bear when expanding production scale.
Wu Dai said that for ascending operators, how to improve production efficiency on the one hand and how to reduce production costs on the other hand have always been two very core indicators in their business process, which are directly related to the management ability of operators. Piglet matching is to focus on reducing the cost of production in this dimension, for all agricultural operators to seek ways. Xiaozhu Matching will provide a wealth of policy financial tools and financing channels, solve the problem of financial information asymmetry between agricultural operators and banks, with comprehensive financial interaction to promote the development of agricultural management subjects.
The current lending institutions for agricultural business include credit loan companies of major banks and small loan companies such as P2P. The credit loan interest rate of the bank is generally between 8% and 10%, and the loan application requirements of the bank are high and the loan limit is low. The general agricultural operators, because they do not understand the bank policy, it is difficult to get the loan suitable for their own. The borrowing rate of small loan companies is generally high, which can reach 20%-30%. It is only suitable for agricultural operators with short-term capital turnover, and the interest rate is too high for long-term use.
Different from banks and small loan companies, Xiaozhu Collocation to help agricultural operators find good feed, find good funds for the purpose of innovation put forward the concept of "sharing salesmen". At present, pilot business has been carried out in Sichuan and its surrounding areas, and strategic cooperative relations have been reached with policy-based guarantee institutions. By integrating national agricultural policies, financial policies to benefit agriculture, and policies to support agriculture, personnel of upstream enterprises can be transferred to agricultural operators as intermediate information hubs. "Sharing clerk" through Xiaozhu Matching APP collection of agricultural operators related to the basic operation data, dynamic data, such as "digital" agricultural operators, the formation of preliminary due due data, to meet the requirements of policy financial institutions, so as to help agricultural operators to obtain cost-effective loans, enabling "sharing clerk" financial ability.
On the one hand, this model solves the financial problems of agricultural managers, on the other hand, it greatly mobilizes the enthusiasm of salesmen to help agricultural managers borrow through commission, and has caused a positive response in the agricultural credit circle.
The emergence of Piglet matching has undoubtedly brought good news for agricultural operators. By integrating online and offline capital resources and channels, the agricultural industry and financial services are fully combined, and Internet tools are used to improve the matching efficiency, help agricultural enterprises expand the transaction scale and solve the financial problem. It is believed that Piglet matching will provide credit resources for more agricultural operators in the future. Continuous enabling agriculture, service industries.
