Small and micro enterprises are an important part of my country's national economy, but their survival is not easy, and main problem is funding difficulties. At last two sessions, state paid much attention to issue of financing small and micro enterprises. Thanks to deep promotion of digital business tools and widespread adoption of new lending technologies, availability of financial services for small and micro enterprises has significantly improved, as well as “funding difficulties” for small and micro enterprises have been alleviated. The credit model has enabled more than 15 million small and micro enterprises and self-employed individuals to benefit from help of one-second loans. MYbank said: "We hope that every roadside kiosk will be able to get a loan within next three years."
Among 15 million small and micro enterprises that have benefited, there is a small store in Northwest Wind that can be described as representative. Although it is still in its infancy, it may become leader of Roujiamo industry in future. Zhang Zelin, a shop owner, used to work as a translator for an Internet company and was tired of repetitive work that didn't reflect his personal value. As a native of Northwest China, he loves to eat and decided to start a business bringing Rujiamo delicacies to Jiangsu and Zhejiang.
Zhang Zelin has a unique understanding of Rujiamo. In his opinion, rujiamo is structurally no different from a hamburger sandwich and is most likely a Chinese delicacy that will receive internationalization. He dreamed of a small shop full of Qin and Han atmosphere, main color of which is red with low brightness, and back kitchen is transparent so that visitors can see ingredients production process behind glass.
However, beginning of a dream is always thorny. Zhang Zelin started out as a very small shop. In addition to his lack of experience, his biggest hurdle is a lack of funds. It also reflects that SMEs' loan needs tend to be "short-term and short-term", they rush for new products and storefronts, and financial support is less than one second.
Until 2018, Zhang Zelin discovered that his MYbank Alipay credit limit was over 100,000. It took only 3 minutes to apply for a mobile phone, and 1 second to unlock, without manual intervention, and funds came in. immediately. After receiving financial support, Zhang Zelin quickly chose Powerlong Plaza, surrounded by many companies, and used loan to pay deposit. He named new store "Mohiya" and store's layout was as he expected, with a large glass window leading directly to back kitchen.
According to Zhang Zelin's plan, in next three years, Mojia will expand its territory with speed of opening several new stores every year. It is expected that in five years Mojia will create a 10 + 1 model, that is, there will be more than a dozen stores in city. At same time, there is a large central kitchen, and urban footprint will also extend from Jiangsu, Zhejiang and Shanghai to Tier 1 major cities such as Beijing and Shenzhen.
Due to fact that some code sellers cannot use MYbank credit services due to qualifications and other reasons, MYbank has launched a credit service with a lower threshold: overcharging and credit experience quota, if sellers who receive money codes have opportunity to receive a loan amount from 500 to 1000 yuan, term of use is 1 month, and principal amount and interest are repaid at end of term.
In future, if you insist on using Alipay more to collect money and use more experience credits to accumulate credit, you will have option to upgrade to "multi-collection and multi-credit" service in future. to get a larger loan. If you want to know whether you have received too much credit or not, you can open Alipay App - [My] - [Online Business Loan] to view and use it.
I believe that with help of MYbank technology, day when every roadside kiosk can get a loan is not far off.