At the beginning of the new year, the Minsheng Bank Shanghai Branch reached an agreement with the small merchants engaged in pasta processing in the Wujin Road vegetable market in Hongkou District, and issued the first “Commercial Loan†pure credit micro-loan before the Spring Festival to meet them to purchase large quantities of flour during the Spring Festival. Demand. Entering the market place means that we are truly entering millions of households. It also means that Minsheng Bank's small and micro financial business has been successfully transformed, and has further realized the purpose of serving the “livelihood industryâ€.
"A bag of flour 50 pounds, after adding water can be made of 60 pounds of noodles or 74 pound dumplings skin, noodle wholesale price 2 yuan / kg, the retail price of 2.5 yuan / kg, according to the proportion of retail and wholesale, a packet of flour Sales can reach 140 yuan or so... To tell the truth, although we used to go to the vegetable market to buy food, we didn't know much about the specific situation of the stalls. We always thought that it was a small market stall, and I didn't expect that their funds. Needs, but one investigation, they were all shocked, on such a humble booth, one year's sales reached 12 million yuan.When it comes to funds, generally 2-3 million can meet the demand, if you want to acquire The new booths may have greater demand.†The relevant person in charge of Minsheng Bank Shanghai Branch introduced the situation of the noodle products processing industry to the author.
Since the development of the micro-lending of the vegetable market noodle processing booths, the Shanghai Branch has naturally become the “expert†in the industry from the leaders to the staff. It is the artificial technology, machine input, booth operation, and flour cost in processing. Everything is at hand.
In order to understand the needs of “face sharing†in the vegetable market, the Minsheng Bank Shanghai Branch project team ran to the market in more than one month, and with the help of the Chongqing Yunyang County Noodle Processing Association, it provided a The food markets in Baoshan and Pudong districts were investigated. In their investigations, they found that there are currently nearly 20,000 employees working in Shanghai's noodle industry, mainly in Chongqing’s Yunyang County. Due to the unique technology of noodle processing, “Yunyang Noodle†has become one of the local labor export projects, and many outstanding entrepreneurs have emerged in Shanghai. “Since it is in line with our policy direction of supporting the people's livelihood and supporting the general consumer industry, the Shanghai Branch has boldly designed credit loans. We value the hard-working honesty of Yunyang merchants.†Talking about the impression of these workers, Minsheng Bank Shanghai Branch The person in charge was very impressed that a technical facet was to get up and serve at 2:30 in the morning and continue to work in the afternoon and then to be replaced by the salesman until the vegetable market was closed at the end of the night. It was their hard work with Xingtaiyue. Thousands of household foods on the table.
It is understood that there are about 1,000 vegetable markets in Shanghai. Each vegetable market has 1-2 face-to-face parcels. On average, there are 2,000 face-to-face parcels in operation. The relevant person in charge of the Minsheng Bank Shanghai Branch stated: “The prospect of small and micro finance is very broad. What the people need, what Minsheng Bank’s micro finance needs to do, especially the big project like the vegetable basket project to ensure people’s livelihood and job security, we are more Should talk about the future, he said: "We hope to make the transaction chain of the face-processing industry. Now we are scattered in various markets and each purchase its own flour. Once it is collected and purchased from flour mills, these are The bottom tier of small businesses has the ability to negotiate, and banks can play a role in it."
At the end of 2011, Minsheng Bank Shanghai branch had a loan balance of RMB 20.9 billion for small and micro enterprises, and the real estate collateral loan was only RMB 10.2 billion, accounting for far less than the average of its peers. In 2012, the microcredit loan will be one of the development orientations of Minsheng Bank Shanghai Branch's microfinance. The relevant person in charge of the bank stated that Minsheng Bank Shanghai Branch will go through specialized and batch operations, supplemented by non-financial “soft†"Information" gives more support to the development of small and micro enterprises with a more active credit policy and more comprehensive financial services.
"A bag of flour 50 pounds, after adding water can be made of 60 pounds of noodles or 74 pound dumplings skin, noodle wholesale price 2 yuan / kg, the retail price of 2.5 yuan / kg, according to the proportion of retail and wholesale, a packet of flour Sales can reach 140 yuan or so... To tell the truth, although we used to go to the vegetable market to buy food, we didn't know much about the specific situation of the stalls. We always thought that it was a small market stall, and I didn't expect that their funds. Needs, but one investigation, they were all shocked, on such a humble booth, one year's sales reached 12 million yuan.When it comes to funds, generally 2-3 million can meet the demand, if you want to acquire The new booths may have greater demand.†The relevant person in charge of Minsheng Bank Shanghai Branch introduced the situation of the noodle products processing industry to the author.
Since the development of the micro-lending of the vegetable market noodle processing booths, the Shanghai Branch has naturally become the “expert†in the industry from the leaders to the staff. It is the artificial technology, machine input, booth operation, and flour cost in processing. Everything is at hand.
In order to understand the needs of “face sharing†in the vegetable market, the Minsheng Bank Shanghai Branch project team ran to the market in more than one month, and with the help of the Chongqing Yunyang County Noodle Processing Association, it provided a The food markets in Baoshan and Pudong districts were investigated. In their investigations, they found that there are currently nearly 20,000 employees working in Shanghai's noodle industry, mainly in Chongqing’s Yunyang County. Due to the unique technology of noodle processing, “Yunyang Noodle†has become one of the local labor export projects, and many outstanding entrepreneurs have emerged in Shanghai. “Since it is in line with our policy direction of supporting the people's livelihood and supporting the general consumer industry, the Shanghai Branch has boldly designed credit loans. We value the hard-working honesty of Yunyang merchants.†Talking about the impression of these workers, Minsheng Bank Shanghai Branch The person in charge was very impressed that a technical facet was to get up and serve at 2:30 in the morning and continue to work in the afternoon and then to be replaced by the salesman until the vegetable market was closed at the end of the night. It was their hard work with Xingtaiyue. Thousands of household foods on the table.
It is understood that there are about 1,000 vegetable markets in Shanghai. Each vegetable market has 1-2 face-to-face parcels. On average, there are 2,000 face-to-face parcels in operation. The relevant person in charge of the Minsheng Bank Shanghai Branch stated: “The prospect of small and micro finance is very broad. What the people need, what Minsheng Bank’s micro finance needs to do, especially the big project like the vegetable basket project to ensure people’s livelihood and job security, we are more Should talk about the future, he said: "We hope to make the transaction chain of the face-processing industry. Now we are scattered in various markets and each purchase its own flour. Once it is collected and purchased from flour mills, these are The bottom tier of small businesses has the ability to negotiate, and banks can play a role in it."
At the end of 2011, Minsheng Bank Shanghai branch had a loan balance of RMB 20.9 billion for small and micro enterprises, and the real estate collateral loan was only RMB 10.2 billion, accounting for far less than the average of its peers. In 2012, the microcredit loan will be one of the development orientations of Minsheng Bank Shanghai Branch's microfinance. The relevant person in charge of the bank stated that Minsheng Bank Shanghai Branch will go through specialized and batch operations, supplemented by non-financial “soft†"Information" gives more support to the development of small and micro enterprises with a more active credit policy and more comprehensive financial services.
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