Freight logistics is not smooth, logistics companies are unable to receive and deliver goods, and it is difficult to pay employees' wages... Recently, affected by the epidemic, freight logistics enterprises are experiencing difficult times. At present, many banks are focusing on the financial needs of freight logistics enterprises and making every effort to increase financial support.
On March 25, CCB Shanghai Yangtze River Delta Branch learned that Yuantong had a capital demand of 100 million yuan and responded quickly. Through the linkage of branches and branches, through the opening of green channel and priority approval, it successfully invested 100 million yuan of working capital for Yuantong in only five days.
"We didn't expect this money to be released so soon." The financial director of Shanghai Yuantong Jiaolong Investment Development (Group) Co., Ltd. said a few days ago.
fully support the freight logistics to ensure smooth transportation
Affected by the epidemic, the freight logistics industry is facing challenges. Data show that the Shanghai vehicle freight flow index fell from 146.21 on March 10 to 17.98 on April 17.
Du Yang, a researcher of Bank Of China Limited(601988) Research Institute, believes that banks should focus on the characteristics of freight logistics industry, optimize the allocation of credit resources, try to provide supply chain financial services to upstream and downstream enterprises, and build a whole chain financial service system with logistics industry as the core.
The reporter learned that at present, many banks focus on the financial needs of freight logistics enterprises, fully increase financial support, and go all out to help the freight logistics industry to solve difficulties.
The aforementioned person in charge of Yuantong said that the 100 million yuan working capital loan obtained from CCB is mainly used for the group's centralized payment, payment of transportation fees, document distribution fees and other necessary expenses, so as to support the normal operation of distribution centers across the country.
Industrial And Commercial Bank Of China Limited(601398) data show that since the outbreak, ICBC Shanghai Yangtze River Delta Demonstration Zone Branch has provided more than 500 million yuan of financing for logistics enterprises and provided financial guarantee for logistics enterprises.
According to the data from Agricultural Bank Of China Limited(601288) , as of mid April, the bank had issued loans of more than 150 billion yuan to customers in highway, aviation, port and other transportation industries, with an underwriting balance of nearly 130 billion yuan and an investment balance of nearly 260 billion yuan. Financing for small and Micro customers in the freight logistics industry increased by 12% over the beginning of the year, and nearly 200 million yuan of loans were granted to truck drivers.
"Finance + technology" enabled logistics industry
Insiders said that small and micro enterprises account for a high proportion in the logistics industry, but it is difficult to obtain financing from banks due to small scale, scattered data, insufficient credit and lack of guarantee.
Therefore, the CBRC proposed to guide banking financial institutions to innovate movable property pledge loan products that meet the characteristics of road and waterway transportation enterprises, and encourage government financing guarantee institutions to provide financing and credit enhancement support for qualified transportation enterprises.
Many banks have actively innovated products and services to solve the "last mile" problem of logistics financing.
For example, the "logistics e-Loan" product launched by China Citic Bank Corporation Limited(601998) embeds data financing services into major application scenarios of logistics, such as vehicle insurance premium, freight, oil fee and etc, and provides logistics enterprises with financial products and services of "high quota, low interest rate, full line and repayment upon borrowing". It is reported that several major online car Hailing platforms and large car rental companies in the market have adopted this product. In the past two years, China Citic Bank Corporation Limited(601998) has invested more than 2.3 billion yuan in "logistics e-loans" and served more than 1800 logistics enterprises.
China Everbright Bank Company Limited Co.Ltd(601818) focuses on increasing financial support for the freight logistics industry through the "logistics link" business. "Logistics link" is an online comprehensive financial service scheme launched by China Everbright Bank Company Limited Co.Ltd(601818) innovation, covering account management, payment and settlement and network financing. It aims to serve new logistics enterprises such as network freight platform and NVOCC platform, and help the digital transformation, cost reduction and efficiency increase of the logistics industry through "finance + technology".
By mid April, China Everbright Bank Company Limited Co.Ltd(601818) "logistics link" had launched 35 platform enterprises, serving more than 8 million shippers and truck drivers, with a cumulative transaction amount of more than 260 billion yuan and 150 million transactions; Since this year, the transaction amount has exceeded 41 billion yuan, a year-on-year increase of 111%.
