A Media Consulting analysis of the drawbacks of China’s small business loan business platform

has been due to the problem of risk control, financial audit, property preservation, small and medium-sized enterprises, small businesses have been in a passive position in financing problem. When more and more people focus on the financing difficulties of small and medium enterprises, small loans homeopathy. The Internet companies have sensitive smell tentacles have extended to this piece of blue ocean".

According to the

iiMedia Research (AI media consulting) analysts issued "Chinese electricity supplier small loan industry chain analysis report" shows that many large domestic enterprises such as Alibaba, Jingdong and Suning Electric began to get involved in small loans to help suppliers and consumers to improve cash flow, the initial formation of a sustainable management of industrial chain. The emergence of small business electricity supplier is a breakthrough in the electricity supplier business sustainable innovation, but it is worth noting that everything has two sides, its advantages and disadvantages.

since 2007, Alibaba first microfinance beginning, multi platform appliance manufacturers continue to follow up, Jingdong, Suning, Dunhuang, Netsun, HC have been involved in small business loans, small business loans have become the standard electricity supplier". Internet banking as a new financial model, due to the wide range of transactions, low cost characteristics and concern. Among them, a lot of electricity providers to use their own savings under a large amount of data, real and effective analysis of the need to borrow the merchant information, reducing the risk of loans, but also won a win-win business with the platform.

the current domestic manufacturing industry has entered the era of meager profit, many suppliers have difficulties in financing and other aspects of the problem, resulting in the decline in the quality of goods and supply reduction. At the same time, although the electronic business platform products but many potential consumers a superb collection of beautiful things, because of the current income of less than one time to pay the required amount of goods. These two cases have led to a reduction in the sales of electricity supplier companies, making electricity supplier business profits, it is difficult to sustainable development.

for suppliers and consumers due to a shortage of funds and influence business platform profitability, many large domestic enterprises such as Alibaba, Jingdong and Suning Electric began to get involved in small loans to help suppliers and consumers to improve the ability of capital turnover, the formation of a sustainable management of industrial chain.

 

As shown in figure

, the electricity supplier of small loan companies through its own funds and bank financing, to provide loans to the electricity supplier in the supply chain upstream suppliers and downstream consumers, suppliers, consumers receive payment sufficient funds or repay the loan to the electricity supplier small loan company; if the supplier or consumer default, by the cooperation with the electricity supplier small loan company Guarantee Corporation advance payment.

iiMedia Research analysts believe that the emergence of small business electricity supplier is a breakthrough in the electricity supplier business sustainable innovation, but it is worth noting that everything has two sides, its advantages and disadvantages. The advantages of small business loans are reflected in: corporate loan threshold is low, the electricity supplier platform through the massive user data digging >

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