Comments: Internet Finance Has Not Played A Big Role In Financing Textile Enterprises.

< p > today, information technology has penetrated into all fields of human activities, and the form of network society has been highlighted. Internet finance is also surging around the world.

Then, can the emergence of Internet finance become the dawn of financing for textile and clothing small and micro enterprises? < /p >

< p > it is understood that local banks and small loan companies based on < a href= "http://www.91se91.com/news/list.aspx ClassID=101112107108" > Electronic Commerce < /a > can provide financing services for 30% or even 80% small and micro enterprises, such as Taizhou bank, Tai Long bank, Alibaba Ali and so on have provided a model. Minsheng Bank and China Merchants Bank have also laid camp in the SME loan field.

Taizhou bank and other local banks show how traditional small and micro banks connect with native local businesses, while Ali small loan shows what kind of regional, administrative and credit barriers financial can break through in the current Internet era.

At the same time, online banking services targeted at small business customers and small business loans based on the Internet have also become the targets of many banks. For example, China Merchants Bank has launched U-BANK8, an online business bank specializing in small business customers, involving small business pactions, now Jin Zengzhi, convenient financing, supply chain Finance and other fields.

Shanghai Pudong Development Bank, following the "auspicious three treasures" SME Service mode, has launched the financing products "credit factory" and "micro treasure", from the service of a single enterprise to the service of small and micro enterprise customer groups.

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< p > however, I understand that mutual a href= "http://www.91se91.com/news/list.aspx ClassID=101112107105" > networking finance < /a > has not played a big role in the financing of textile and clothing small and micro enterprises.

The reasons are: first, the interest rate of net lending is high, so that small and micro enterprises can not afford it.

The person in charge of a small garment enterprise told me that there are many problems in the actual operation of Internet finance. For example, some P2P net loan platforms have a monthly interest rate of 1.6%, although they are more favorable than ordinary small loan companies, but they are still twice as high as the bank interest rates, and small and micro enterprises can not afford them.

This feeling is not a minority among small and micro entrepreneurs. They say that the annual interest rate of net loan should exceed 20%. If the loan time is long, and the profit rate of the industry is low, interest will drag down the factory.

Second, there are many uncertain factors of net loan. For example, in the aspect of loan audit, Internet financing requires enterprises not only to have collateral, but also to have enough commercial water, and for those small garment factories, they can not afford to borrow a few money.

Third, because of the convenience, rapidity and directness of the Internet, it is easy to divulge the business information of the company.

For example, the owner of a small clothing factory consulted the net loan platform, and the loan officer asked him to upload all the company's business information to the audit, and at the same time, he sent out another company's business information, and all the key information such as the business license and the bill of water were fully supplied, which made this small business owner feel scared.

Fourth, if small and micro enterprises do not have credit rating scores, it is difficult to obtain small funds through non credit.

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< p > with the further reform of interest rate marketization and the liberalization of loan interest rate control of financial institutions, the interest rates of banks and banks will fluctuate.

What can we do to promote Internet finance to better serve the real economy, especially for small and micro businesses starved of hunger, is a test of the wisdom and determination of our government's regulatory authorities and financial institutions to keep pace with the times.

For Internet finance, it is imperative to improve the universal credit reporting system and establish a more targeted regulatory system.

Whether financial institutions or non-financial institutions, their service innovation to the entity enterprises should rely on their own sound credit system. From the perspective of the demand side, we should develop suitable financial products for different groups of enterprises.

Establish and improve the credit rating rating of small and micro enterprises; strengthen < a href= "http://www.91se91.com/news/list.aspx ClassID=101112107101 > > net loan platform < /a > personnel management and information management of loan enterprises, and give higher level of confidential information and higher query power to business information such as business flow and so on.

Only if we really think about our customers, can Internet Finance enter the thousands of households in the textile and garment industry.

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