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百行进万企:深圳中行助力跨境电商中小企解决首贷难题

Shenzhen Bank of China helps small and medium-sized enterprises in cross-border e-commerce to solve the problem of first loan

證券時報 ·  Nov 3, 2021 10:30
At 23:00 at night in Shenzhen, the office of Sunshine Science and Technology Innovation Center is ablaze with lights. After months of round-the-clock research and development, the new products of Shenzhen Yinshe Intelligent Technology Co., Ltd. (hereinafter referred to as "Yinshe Intelligence") finally meet the technical requirements, and R & D personnel cheer excitedly. And this new function sweeping robot will also officially set foot on the production line and be sold overseas. Behind this strength, there must be the support of financial forces. Yinshe Intelligence is a start-up cross-border e-commerce company, focusing on floor-sweeping robots, vacuum cleaners and other clean products, with strong product research and development capabilities, pre-production through independent research and development and OEM by large home appliance manufacturers in the Pearl River Delta and Yangtze River Delta, and sold to North America, Europe, Japan, Canada, Australia and many other countries through cross-border e-commerce platforms such as Amazon.Com Inc, Walmart Inc, ebay, independent station, etc. Due to the western traditional festivals and peak sales season concentrated in the second half of the year, coupled with the long shipping cycle, the company needs to prepare goods several months in advance, while the rapid growth of the company's own business scale, stock volume and labor expenditure are also increasing rapidly. In addition, the epidemic period led to higher shipping prices, longer transportation cycle, the company needs more adequate cash flow to ensure the healthy operation of the business. Yinshe Intelligence hopes to solve the capital problem by way of bank loans, but the company has never had any lending experience and has no knowledge of the bank's lending policies. At this time, Shenzhen Bank of China, under the guidance of the Shenzhen Banking and Insurance Supervision Bureau, actively promoted the financing docking activity of "a hundred banks into a new pattern of serving tens of thousands of enterprises to do practical things for the people". Yinshe Intelligence is the small and micro enterprises in the list of bank and tax docking. The activity of "hundred banks into ten thousand enterprises" has brought timely rain of funds for Yinshe intelligence. after Shenzhen Bank of China docked with enterprises and learned of its capital needs, combined with the products such as "start-up guarantee loan" and "Bank of China Innovation loan" launched by Shenzhen Bank of China, the credit line of 5 million yuan was quickly approved for the enterprise, which became the first loan support for the enterprise, solved the problem of enterprise stock preparation and payroll in time, and made up the capital gap of the enterprise. The Bank of China in Shenzhen not only provided us with the support of the first loan, but also approved the credit loan for us. I would like to thank the Bank of China in Shenzhen for its timely help. With this capital, our enterprises can rest assured and boldly attract talents, engage in research and development, and expand sales, so that more of our domestic products can go to the world and show the world the power of made in China. " The person in charge of Yinshe Intelligence said. With the support of the inclusive financial loan of Bank of China in Shenzhen, the R & D and operation of Yinshe Intelligence has also increased its horsepower. By the end of September 2021, the number of intelligent employees in Yinshe had more than doubled compared with the same period last year, and sales had increased several times compared with the same period last year. The company's brilliant performance has been recognized and favored by the capital market, and three well-known investment institutions in the industry have successively invested in Yinshe Intelligence. At present, the company is valued at more than 100 million US dollars, and the original "small and beautiful" enterprise has gradually grown into a well-known brand in the clean home appliance industry. It is understood that the financing docking work of "hundred banks into ten thousand enterprises" is promoted by the deployment of the Banking and Insurance Regulatory Commission, and the Banking Association organizes banking institutions to consult the financing needs of small and micro enterprises, visit and dock on the spot, and take the initiative to provide financial services for the people. Since the mobilization and deployment of the "hundred banks into ten thousand enterprises" campaign in November 2019, Bank of China in Shenzhen has combined this work with the development of inclusive finance to improve the coverage of active customer service. By the end of September 2021, the Bank of China in Shenzhen had added nearly 10,000 enterprises to the docking list of bank and tax financing for "a hundred banks into ten thousand enterprises", provided nearly 700 million yuan of credit support to small and micro enterprises, and continued to promote the financing docking of small and micro enterprises. A relevant official of the Bank of China in Shenzhen said that the bank will continue to facilitate access to loans for small and medium-sized enterprises through the financing and docking activities of "a hundred banks into ten thousand enterprises", and strive to solve the problem of difficult and expensive financing for small and medium-sized enterprises. in particular, we will increase support for the "first loan" of small and medium-sized enterprises, help small and medium-sized enterprises solve their difficulties, stabilize their jobs, expand employment, and contribute their due financial strength to the landing of the policy principle of "six stability and six guarantees." (CIS)

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