Taizhou Gold To Carry Out Traditional Guarantee Online And Supply Chain Training Business Treasure Chairman Sun Deliang Lecture

In October 30th, Mr. Sun Deliang, chairman of the Internet business treasure, was invited by the Taizhou municipal government to the Taizhou financial investment group to train the Taizhou supply chain finance business on the theme of "traditional guarantee online and supply chain" for the Taizhou SASAC, the finance office, the Taizhou Bay gathering area, the City Investment Group, the Taizhou central sub branch of the people's Bank, the Taizhou silver Insurance Supervision Bureau, the Taizhou bank and the Huangyan intelligent mold town of Taizhou.

　　 1. The traditional guarantee business principle:

The traditional guarantee scenario is a loan granted by a loan company under the guarantee of Guarantee Corporation, with a period of one year, unlimited usage, and annual interest payment, or triangle guarantee.

The disadvantages of the traditional triangle guarantee mode are mainly 3 points: 1, killing the enterprise, 2 killing the guarantee, and 3 killing the bank.

　　 Two, the basic principles of traditional guarantee online.

The scene of traditional guarantee online is that the loan company obtains the highest credit from the bank under the guarantee of Guarantee Corporation, and the validity period of the credit is valid for one year.

Features of the loan: 1, the cycle is less than or equal to three months 2, and withdrawals are on demand, and the interest rate is 3.

The advantages of online guarantee are as follows: 1, through real trade and earmarking, reduce the risk of loans 2, facilitate the management of loans after 3, and increase the new profit model.

　　 Three, the basic principles of traditional guarantee supply chain:

The supply chain of traditional guarantee business refers to the supply chain infrastructure developed in the past 12 years, which is based on the Internet prosperity business. The loan of SMEs is placed in the specific supply chain of downstream supply chain, direct financing and upstream supply chain to realize the closed operation of loan funds, so as to ensure that the loan funds are earmarked for.
 

Through the implementation of the online and supply chain of the traditional guarantee business, the net Sheng business treasure has invested nearly 15 billion yuan of funds into the market after 3 years of operation. Its online guarantee guarantee rate is zero, creating a miracle in the industry. After the meeting, Zhou Zhiwei, general manager of Taizhou financial investment group, said that Wang Sheng business treasure has boldly explored and implemented the guarantee business and opened a new door for the traditional guarantee institutions.

In 2015, Taizhou was granted a national financial service reform pilot area for small and micro enterprises. Over the past 4 years, the Taizhou municipal government has made efforts to alleviate the financing difficulties and financing problems of private, small and micro enterprises. It has carefully created the "Taizhou mode" of small and micro enterprises' financial services "low gravity, low threshold, low cost, high efficiency, good wind control and replicability", and won the reputation of "small and micro finance in terms of Zhejiang and Zhejiang to see Taizhou". Taizhou small and micro enterprises financial services reform pilot 1 version of the core idea is led by the government, set up the Taizhou credit information sharing platform, through the Taizhou Municipal Central sub branch of the people's Bank of China to complete the correlation and integration of the 15 departments' data, build credit files for the 60 main market entities in the city, realize financing, investment, three legal representatives of enterprises and enterprises, and have the functions of comprehensive information, credit cube, positive and negative information, breeding pool, bad directory database, credit score, risk warning and so on. The Taizhou municipal government and Taizhou financial investment group, in promoting the reform of financial services in small and micro enterprises, actively cooperate with all parties to explore a new mode of small and micro finance reform, and strive to realize the pilot mission of the State Council's replicable and popularized pilot project, and make the "test area" a "demonstration area".

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