helps enterprises alleviate difficulties and promotes development, financial technology services show responsibility, and Shuhe Technology's loan assistance platform Huanbei helps small and micro business owners who are forced to interrupt their business due to short-term funding shortages, providing them with more targeted credit product , which is exclusive to small and micro enterprises, so that their business can be "supported" again.
Currently, " Huanbei " has provided loans of nearly 10 billion yuan to small and micro users, involving more than 350,000 small and micro business owner users, covering logistics and freight, wholesale and retail, catering and accommodation, manufacturing and other industries.
During the Shanghai epidemic this spring, when everyone was discussing the "last mile delivery" express warriors, they ignored the fact that behind them, there is also such a group of people who silently undertake cumbersome and complex intermediate tasks. They guard the channel for the outside world to transport express materials to Shanghai, and are also the backbone of ensuring whether the materials can successfully arrive at the station after entering Shanghai. Jiang Quansheng is one of these unknown guards.
Join hands with Xiaoweidian, and pursued dreams in the struggle
Thirty years ago, Jiang Quansheng made a living in his hometown of Anhui by transporting goods by a truck. After more than ten years of experience, he was familiar with the operation model of regional freight. Time came in 2005. With the rise of the Internet, online shopping gradually appeared in most people's lives. With years of experience in the industry, Jiang Quansheng also explored the business opportunity of contracting logistics sites. And this business has been in operation for seventeen years.
E-commerce has become more and more prosperous in recent years, and the demand for logistics business has also increased. Five years ago, Jiang Quansheng also expanded his business territory. In addition to serving the large-scale transportation of some local enterprises, he began to contract and operate the transfer site of Yunda Express in in Songjiang District, and mainly undertakes the delivery of Yunda Express in various street outlets and stations in Songjiang after entering Shanghai. With the prosperity of online shopping, the business has grown unknowingly. Since last year, the site operates 4 own trucks and manages 8 employees. The fixed monthly expenditure is more than 200,000 yuan. The business repayment cycle is long, and sometimes funds are inevitably incapable of turning over. Through the opportunity to watch a short video of popular science about logistics people's financial knowledge, he was exposed to the loan assistance platform "Bunbei". Then he downloaded the Huanbei APP and decided to give it a try. We hope to activate working capital through borrowing and lending, thereby alleviating the cash pressure brought by daily expenses such as employee expenses, truck repairs, and fuel expenses, and undertake more freight projects. "I used it two or three times last year to pay it back. Every time I made a payment, I made a quick payment. As long as I kept repaying it on time, the borrowed amount became higher and the interest rate was cheaper."
Micro-finance accompanied me, staying with me in difficulties
1 Jiang Quansheng, who has been over 50 years old, now lives alone, has two children and a daughter, but they are both married, and is also engaged in the e-commerce industry in Shanghai. The shutdown caused by silence when the epidemic broke out in Shanghai this spring made him deeply feel the powerlessness in life for the first time. With continuous communication and application, his fleet successfully applied to become a member of the supply guarantee team and assisted the supply guarantee unit in transporting materials. With their familiarity with the various streets of Songjiang, even if the closed roads during the epidemic are confused, they can try their best to transport goods to various sites and communities. In order not to delay residents' supply supplies, they eat and drink in the car just to save more time. He said: "Although I have never met, the residents believe that the supply convoy can deliver the supplies on time and on time. Just like "Bunbei" believes me, it supports it unconditionally when I am in the most difficult time, and I will repay the loan on time as I promised. This is the trust of both parties." As he said that, he also showed that the high amount of money he accumulated was full of joy like residents showing rich supplies again and again.
In the two months of the epidemic, the main express delivery site could not operate normally, and the income collection period of the fleet for guaranteed supply was relatively long, and the operating flow of the site was larger than usual. However, Jiang Quansheng did not cut off the payment of employees' wages, which made this group of employees believe him even more devotedly.He smiled silly and said, "The epidemic will always pass, and the site will return to normal. During the epidemic, I will piece together and insist on paying everyone a salary. Although it is not much, it guarantees the daily expenses of their family and young people. In this way, everyone has hope. When all the funds are collected later, I will not worry about not being able to repay the money borrowed by "Blessing Xiaowei Loan". It is easy to borrow and pay . It is not difficult to borrow again."
Nowadays, the living order in Shanghai has basically returned to normal, and Jiang Quansheng's express station business has also returned to its previous prosperity, but he did not forget Huanbei. "In the first half of this year, I have to use Huanbei turnover to fill the gap in the accounting period almost every month. It is not only that the manual customer service phone number of Huanbei during the epidemic can be reached, but also that smart customer service will respond. This is not only a kind of support for the business, but also a kind of companionship for me who live alone. It is now my old friend!"
Financial technology helps small and micro businesses to "string"
Jiang Quansheng is not an individual in the logistics circle in Shanghai this year. They are individual logistics operators with large flows and large stocks. They have a certain scale of heavy assets and the core ability to make money. However, due to serving large institutions, the business collection cycle is generally long, resulting in the cash flow being very easy to have a gap when encountering external emergencies . For such people, Huanbei uses multiple measures to strive to achieve full-group coverage and all-round reach in the business scenario. Through the independently developed intelligent risk control system, after identifying and analyzing the credit-related information provided by users, its credit risks are evaluated in a multi-dimensional way, thereby fully tapping the user's reputation and insisting on optimizing and iterating the user's product experience. Users do not need to stamp offline and can complete "borrow repayment" on their mobile phones. There are 24-hour online customer service to help small and micro business owners solve problems throughout the process, and will never let down the trust of any user. In short, Huanbei Xiaoweidian hopes to rely on the power of technological innovation to solve the social and livelihood problems of small and micro business owners being forced to interrupt their livelihoods due to shortage of funds in the short term.
The development and prosperity of the small and micro economy has laid a strong foundation for my country's economic entities. Huanbei Xiaoweidian continues to optimize the supply and model innovation of small and micro finance, and provides open, inclusive and convenient financial services for small and micro enterprises.
text/Jin Renfu
edit/Fan Hui
