Purpose: 1, solve the capital problem 2, increase the credit record 3, expand the business channels 4, beautify the accounting statement: 1, and solve the enterprise survival problem. Under the strong impact of the financial crisis, it is difficult for a considerable number of small and medium-sized enterprises to operate normally and even face bankruptcy. Real-time financing not only solves the urgent needs of enterprises, but also avoids the unemployment of a large number of employees, which is conducive to the re-emergence of enterprises and the stability of the country. 2. Solve the problem of enterprise development. Small and medium-sized enterprises, especially scientific and technological enterprises, have reached the stage of expanding scale and rapid development after completing their start. At this time, capital has become the biggest bottleneck of development. Real-time financing is undoubtedly the wings for enterprises to take off, which is not only conducive to the development and growth of enterprises themselves, but also a necessary condition for realizing an innovative country.
Second, what is the significance of P2P peer-to-peer lending?
Peer-to-peer lending belongs to the internetization of private lending, which is the sunshine of personal lending behavior. To a certain extent, it meets the needs of personal loans for business consumption and public financial management, which has the significance of inclusive finance. Its marketization mechanism, credit mechanism and technical mechanism also have experimental and reference significance for financial reform.
1, for SMEs
People with loan needs can be roughly divided into three categories: large and medium-sized enterprises, small and micro enterprises and individuals. Large and medium-sized enterprises generally have fixed financing channels and maintain good cooperative relations with major banks, and the problem of financing difficulties is not prominent. However, customers of small and micro enterprises are often geographically dispersed, with "short and frequent" loan demand and lack of good collateral. Financial institutions (especially banks) have high unit credit cost, low efficiency, inaccurate goals, unable to obtain users in batches, and the financing problem is obvious. As for personal credit customers, there are also problems of high cost, low efficiency and uncertain risk, and banks and unfamiliar financial institutions rarely carry out such business.
The above problems mean that small and micro enterprise financing and self-employed consumer loans are a blue ocean market, and no relevant financial institutions have invested enough money and energy in this market at present. Small and micro enterprises with rigid demand for financing and personal loans have given birth to new business models and opportunities. Peer-to-peer lending business is aimed at this market, focusing on solving the financing difficulties of small and micro enterprises and individuals, and acting as a "capillary" of social economy.
2. For the social economy.
P2P lending is a personal lending behavior based on the Internet concept, which is independent of the formal financial institution system and transcends the limitations of the traditional acquaintance society. As the sunshine of private individual lending behavior, it partially meets the demand of personal loans for commercial consumption and public financial management, and plays the role of inclusive finance and financial democratization. Its market-oriented mechanism, credit mechanism and technical mechanism also have experimental and reference significance for financial reform.
As a representative in the field of Internet finance, the users of P2P lending industry are the largest financial vulnerable groups in China-low-and middle-income wage earners, small and micro business owners and individual industrial and commercial households. Peer-to-peer lending industry has lowered the threshold and cost of financial services through the Internet platform, enabling many small and micro enterprises, self-employed individuals and low-and middle-income wage earners to obtain financial services equally, helping them achieve their development goals and contributing to social stability, employment opportunities and economic value creation.
3. What is the significance of supply chain finance?
Generally speaking, the supply chain of a specific commodity goes from the procurement of raw materials to the manufacture of intermediate products and final products, and finally the products are delivered to consumers by the sales network, which connects suppliers, manufacturers, distributors, retailers and end users as a whole. In this supply chain, the core enterprises with strong competitiveness and large scale, because of their strong position, often put forward harsh requirements for upstream and downstream supporting enterprises in terms of trade terms such as delivery, price and payment term, which has caused great pressure on these enterprises. Most of the upstream and downstream supporting enterprises are small and medium-sized enterprises, so it is difficult to raise funds from banks. As a result, the capital chain is very tight and the whole supply chain is unbalanced.
The biggest feature of "supply chain finance" is to find a big core enterprise in the supply chain and provide financial support for the supply chain with the core enterprise as the starting point. On the one hand, effectively inject funds into the upstream and downstream supporting small and medium-sized enterprises in a relatively weak position to solve the financing difficulties of small and medium-sized enterprises and the imbalance of supply chain; On the other hand, bank credit should be integrated into the purchase and sale behavior of upstream and downstream enterprises to enhance their commercial credit, promote the establishment of long-term strategic cooperation between small and medium-sized enterprises and core enterprises, and enhance the competitiveness of supply chain.
Under the financing mode of "supply chain finance", once the enterprises in the supply chain are supported by banks, the "cord blood" of funds will be injected into the supporting enterprises, which means entering the supply chain, thus activating the operation of the whole "chain"; And with the support of bank credit, it has won more business opportunities for SMEs.
Fourth, the role and significance of online loans to solve financing difficulties
"Due to the impact of the macro environment, the real economy is becoming more and more difficult to do, and naturally many small enterprises are also facing financial problems. So, how can we solve the financing problem of small enterprises? Today, Heng Chang Bian Xiao talks about the internal causes of financing difficulties for small enterprises.
First, the financial crisis of small enterprises is due to poor management or small scale, and there are not many people who are short of money. If the enterprise has financial problems, this is the reason. Then the enterprise can apply for a loan from the bank, but only if the enterprise has collateral or a good reputation. If the enterprise does not have any of these two items, then the account manager in Heng Chang suggests that the enterprise borrow and finance by private lending.
Second, the financial crisis of small enterprises is caused by poor management of a project, but this project will get better soon. For such companies, the account manager in Heng Chang suggested that enterprises borrow from the private sector and apply for short-term loans. The reason is simple: the bank loan process is long and the time is long. Private lending is generally faster and the conditions are easier to achieve than banks.
Third, the capital crisis of small enterprises is due to poor management or small scale, but there are many capital gaps in enterprises. For such companies, it is best not to apply for bank loans, because banks generally do not lend a lot to small businesses. Therefore, at this time, enterprises can apply for loans from small loan companies, or they can use private lending to borrow money. However, the account manager in Heng Chang suggests that you use p2p loans. The reason is that the interest rate of p2p borrowing is generally lower than that of small loan companies, so the repayment is relatively better. Among them, many loan models of Heng Chang Company are very good, and friends who need loans can go online to find out.
How to solve the financing problem of small enterprises? To sum up, enterprises can apply for loans from banks, private lending institutions and small loan companies. However, specific to enterprises, it is also necessary for the person in charge of the enterprise to choose the appropriate ways and means of borrowing according to the actual situation of the enterprise. "