"Lao Lin is my old customer. In recent years, his breeding scale is getting bigger and bigger, and the child is going to college, so I often help him with the money. Anyway, half a year later, he sold the pig, he will return me at the first time." Xiao Wang is very happy to tell reporters.
Xiao Wang is a salesman who has worked in a feed enterprise for 5 years. His daily work is to visit regularly every month, talk about the market. But for old customers like Lao Wang, he is almost always on call and does his best to solve problems, including the lack of money.
Lack of money is a frequent occurrence for farmers like Lao Lin. They sometimes borrow money from banks. For one thing, the procedure is troublesome and the interest rate is high. Sometimes they borrow from dealers or manufacturers, but it's basically a case of throwing the wool at the sheep and passing the interest rate onto the feed. Therefore, Xiao Wang became the best "financing channel" for Lao Lin.
First of all, Xiao Wang is very familiar with the actual situation of Lao Lin, including the operation situation and repayment ability.
Secondly, Xiao Wang can choose the best to help and assist Lao Lin to get better funds.
In this way, the two sides not only enhanced the relationship, but also helped Wang sell feed better. What's more, Xiao Wang has been the sales champion of the company in recent years. Because in the trend of feed homogenization, apart from the brand advantage, the maintenance of customer sentiment has become a very key factor for the stable and sustainable growth of the business of agriculture and animal husbandry enterprises.
But how many Xiao Wang have the strength and ability to help Lao Lin solve the problem of lack of money? Or Xiao Wang can help a few Lao Lin to solve the problem of funds?
This is not only a matter of individual ability, but also a serious agricultural financial policy information asymmetry.
In recent years, the state has introduced a lot of financial policies to benefit agriculture, in order to help the majority of agricultural operators to solve the problem of funds. However, it is difficult for banks to fully grasp the real business situation of agricultural operators and make accurate risk judgment. As a result, banks have a lot of money and do not know who to give it to.
Xiaozhu Matching is such a break information asymmetry of the financial matchmaking platform. It brings together national financial policies, policies favoring agriculture and poverty alleviation, and collaborates with more "little Kings" to choose the source of funds for the majority of agricultural operating subjects and solve the problem of short-term capital turnover. At the same time, it provides high-quality agricultural operators for banks, P2P, small loan companies, trusts and other financial institutions to achieve win-win development.
On December 15, Xiaozhu will be officially launched, and the first batch of "partners" will be recruited in Sichuan Province. At the same time, the "partner plan information conference" will be held. In the face of domestic agricultural operators difficult loans, capital pressure, Xiaozhu team innovatively put forward the concept of "sharing salesman" and "risk front".
According to Wu Dai, chief operating officer of Xiaozhu, small and micro agricultural operators and farmers themselves are at the end of the industrial chain, with scarce resources and closed information. The core of "sharing salesman" is to better use the human resources of the agricultural industry chain to serve these end groups, reduce the waste of social resources, so that the financial policy of benefiting agriculture is really implemented from top to bottom.
The platform will absorb more "Xiao Wang" to join Xiaozhu and become a partner. At the same time, credit experts and risk control experts of financial institutions are integrated. Through community, daily content, offline training and other means, partners are trained in related professional skills such as data collection, key loan information, interpretation of national favorable agricultural policies and interpretation of financial policies, so as to help agricultural operators obtain cost-effective loans. Partners not only get the corresponding commission, but also greatly enhance the professional ability and career space.
Piglet matching grasps the pain point of the fund problem of agricultural operators, at the same time, the innovative use of salesmen as agricultural operators loan helpers, on the one hand, like "Xiao Wang" salesmen often contact with agricultural operators, the most understanding of the capital needs of agricultural operators and industrial management situation, can collect accurate information needed for loans of agricultural operators, improve the success rate of loans, Reducing bank lending risks; On the other hand, as long as the salesman collects the information of qualified agricultural operators, he can obtain the corresponding commission, which also greatly mobilizes the enthusiasm of the salesman to help agricultural operators loan.
As a product of Yunpin Interactive, which is owned by the New Third Board listed company Weizhitianxia Holdings, Xiaozhu uses its powerful digital management system in the background and implements the principle of "risk control in advance" to provide financial institutions with relevant information about agricultural business subjects.
The platform requires partners to upload their business conditions to the platform in various forms, such as documents, pictures and videos, after understanding and recording the basic information of business entities. Mobile trajectory management and real-time image implantation are used to ensure that the collected loan information is true and accurate. Through no less than 20 visits and dynamic data collection, Help banks to accurately understand and grasp the real management of agricultural operators. And for banks, once they determine that agricultural operators are healthy in terms of income from assets and liabilities, they will naturally lend smoothly to ease the financial pressure on agricultural operators.
Piggy matching partner plan publicity to attract extensive attention from the industry, piggy matching hope to let more people understand through the publicity to participate in the "sharing salesman" family. After all, as agricultural operators, most of the means of production are required to be paid in cash, and the fund problem has always been a big mountain in their mind. In case of shortage of funds, the means of production cannot be purchased, and the performance of agricultural salesmen will also be affected. To some extent, agricultural operators and salesmen are a community of interests, and the common goal is to solve the problem of funds. Piglet matching through the joint salesman can provide the most cost-effective loan channels for agricultural operators, reduce the cost of funds for agricultural operators.
Agriculture is the foundation of the country, while finance and science and technology are the strength of the country. Xiaozhu Peiqi has an insight into the great value of agricultural salesmen as an information transmission hub, and uses fintech to revitalize agriculture, unite the strength of salesmen, and promote the solution of the shortage of funds for agricultural operators. It remains to be seen whether this model can truly achieve a win-win situation among agricultural operators, financial institutions and agricultural salesmen, and leverage fintech to promote and stimulate the vitality of the agricultural industry.
