Recently, yunmaotong, a new project incubated vertically by Dalong group, announced its report card in 2021. Throughout the year, it established contacts with nearly 6000 merchants, and a total of 731 merchants signed contracts to access the network, helping 126 small and micro enterprises solve financing problems, with a financing amount of more than 53 million.
It is understood that yunmaotong, founded in 2020, is a new project incubated vertically by Dalong group. Relying on the advantages of Dalong big data, yunmaotong is committed to providing financial and logistics services for small and medium-sized enterprises. In 2021, the project will take Jiangjin market as the pilot to “reduce the pressure and burden” for small and medium-sized enterprises in terms of solving financing problems and reducing operating costs.
As we all know, financing is difficult and expensive, which has always been one of the difficult problems restricting the development of small and medium-sized enterprises, among which there is the problem of information mismatch between banks and enterprises.
“Banks have inclusive financial services for small and medium-sized enterprises, but many need collateral and enterprise credit investigation. Many enterprises can\’t provide it because their data is not online.” Feng Jianfeng, chairman of dalong.com, said that through yunmaotong, banks can obtain real and reliable data such as collection and payment orders and logistics orders in the process of enterprise trade, understand the real operation scale of enterprises, and enterprises can also obtain financial support quickly and efficiently.
From January 2021, yunmaotong took the lead in docking with China Minsheng Banking Corp.Ltd(600016) and continued to connect with a number of banking institutions to solve the financing problems of merchants in an all-round and multi-channel way. Merchants can also find their own loan products through yunmaotong financial services. According to LV Cong, general manager of small and micro finance department of China Minsheng Banking Corp.Ltd(600016) Chongqing Branch, the bank has specially established a small enterprise service team to provide door-to-door services for merchants together with the staff of yunmaotong, help them open corporate accounts, handle settlement, install acquiring machines and tools, and solve various financial problems of merchants. At the same time, China Minsheng Banking Corp.Ltd(600016) also launched pure credit loan products specially customized for merchants in Jiangjin market. Wen bin, general manager of Chongqing Baichuan Motorcycle Parts Co., Ltd., is one of the beneficiaries.
It is understood that Wen bin has been engaged in auto parts business for 25 years since 1996. In recent years, due to the serious decline of business in China, the company has focused on international trade. At present, its sales in Myanmar, Vietnam and other Southeast Asian countries have formed a scale.
“Due to the impact of the epidemic and the shortage of raw materials, manufacturers require payment before goods, which has high requirements for our cash flow and great capital pressure.” Based on the previous cross-border trade logistics data, Wen bin quickly obtained a loan from China Minsheng Banking Corp.Ltd(600016) through yunmaotong financing service, which solved the urgent need of payment for goods. “At present, we still have enough goods to deliver, which guaranteed 15% of the profits of the enterprise last year. We can accept some orders we didn\’t dare to accept before.”
Including Wen bin, at present, there are 380 businesses with financing needs on the platform of yunmaotong. Among them, yunmaotong helped 126 successful financing in 2021, with a financing amount of more than 53 million yuan.
In addition to financing problems, yunmaotong, which is rooted in the big market, also focuses on helping merchants solve logistics problems.
Restricted by the business scale, merchants in Jiangjin market generally have the problems of small single ticket volume, scattered orders and asymmetric information in logistics. Therefore, yunmaotong launched door-to-door pick-up service, allowing merchants to experience from the traditional “one to many” to “one to one” delivery service. Up to now, it has helped merchants carry more than 48000 goods.
Shen Hongmei, the project leader of yunmaotong, said that the merchants in the park only need to place an order at the click of yunmaotong, and the staff will pick up the goods at home within an hour, transfer and distribute the goods for free, and send the goods to all parts of the country. “In this way, the logistics company can obtain more accurate demands from each merchant, and the merchants also greatly reduce the transportation cost.”
Under the tide of digital economy, supported by financial and logistics services and with the full support of Dalong group, yunmaotong plans to launch a customized SaaS service system for small and medium-sized merchants in the big market in 2022 to help small and medium-sized enterprises transform their traditional trade digitally.
“Every small and medium-sized enterprise has different demands. If all demands need to be done by the enterprise itself, it is impossible.” According to Feng Jianfeng, based on logistics data, yunmaotong SaaS system integrates the global channel network of Dalong group and dragon workshop resources all over China through the digital portrait of business flow, business growth and other business conditions of merchants.
“Yunmaotong SaaS system will package the demands of small and medium-sized enterprises and transform them into enterprise oriented cloud services. It will not only improve enterprise sales, but also expand sales channels. At the same time, it will help small and medium-sized enterprises form a customer group through big data and the Internet, so that they can strive for more benefits when connecting with payment companies.” Feng Jianfeng pointed out.
