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Recently, good news came from Ailichen, an enterprise in the Xinke Cross-border E-commerce Industrial Park. Through the guarantee of the innovative product “Zhaoshang Bao” of Nanjing Jiangbei New Area, a bank was willing to support the team’s capital needs. Currently, a loan of 5.5 million yuan has been credited to the account. Next, the new logistics warehousing and operation turnover can also be carried out smoothly.
In addition to Ailichen, several other enterprises such as Hygon Xinchuang, Xuanjia Technology, Shuchuang Cloud, Chuhang Technology, and Shengde Medical have also received support from banks.
The fact that five enterprises received consecutive capital injections within a week is inseparable from a professional financial service force.
01 Explore the financing difficulties of cross-border e-commerce enterprises
Ailichen is a comprehensive home furnishing enterprise integrating design, research and development, production, sales and service. At present, the company’s products have comprehensively covered multiple categories including residential and office furniture, and its sales network spreads all over the world.
The company has a large amount of daily operating funds. Especially after laying out cross-border e-commerce this year, the overall logistics cost and warehousing and distribution cost account for more than 40% of the total cost. Enterprises are exclaiming “under tremendous pressure”, and financing has also become the key to development at this stage.
However, cross-border e-commerce enterprises with light assets often encounter obstacles in financing due to various reasons such as the lack of fixed asset collateral, scattered account cash flow, and unreleased data value.
When enterprises encounter difficulties, the new district has “countermeasures”. Upon learning the news, the operator of the Xinke Cross-border E-commerce Industrial Park, Ketou Group, immediately joined hands with the Finance Bureau of Jiangbei New Area to communicate, negotiate and deliberate on the plan. Just over a month ago, the Finance Bureau took the lead in holding a “Symposium on Promoting Special Support for Financing of Cross-border E-commerce Enterprises”, inviting multiple financial institutions to the scene to have face-to-face discussions with enterprises and jointly explore solutions to financing problems.
Ultimately, after several rounds of communication, the Nanjing Branch of Zheshang Bank agreed to provide financing guarantee services to Ailichen in the form of the Jiangbei New Area financing guarantee product “Zhaoshang Bao”, with a total loan amount of 5.5 million yuan. The Finance Bureau has also established a project team to follow up on the progress every week and conduct a weekly summary.
“At present, this loan has been credited to our account. It really solved our urgent problem.” ” A staff member of Ailichen said.
Considering that cross-border e-commerce enterprises all encounter similar problems, during the process of assisting Ailichen in handling the loan, the Finance Bureau also proactively explored new measures that are more conducive to the financing of cross-border e-commerce enterprises in Jiangbei New Area.
“At present, the Xinke Cross-border E-commerce Industrial Park has attracted over 30 enterprises. We categorize them into three major types: small and micro, medium and large, and have developed specific financing support plans for each type.” ” A relevant staff member from the Finance Bureau of Jiangbei New Area introduced that they will provide “Cross-border E-commerce personal Loans” for small and micro enterprises, with a maximum credit line of 2 million yuan. Build a “cross-border e-commerce industry capital pool” for medium-sized enterprises, providing services such as short-term emergency working capital and accounts receivable financing. Set up “differentiated customized financing” for large enterprises and achieve financing on a case-by-case basis.
Five enterprises received financial support within a week
Within a week, four other enterprises, like Ailichen, received support in the financial services of Jiangbei New Area
The Haiguang Xinchuang high-speed optical module production base project, with a total investment of 1 billion yuan, has received joint credit lines from multiple financial institutions and has been approved for a total of 130 million yuan. Meanwhile, the credit lines from multiple banks are still under review.
Xuanjia Technology, an AI-generated content (AIGC) enterprise, has initially obtained a 30 million yuan credit line from the Nanjing Branch of China Construction Bank under the facilitation of the Jiangbei New Area Science and Technology Finance Service Center and has successfully passed the pre-review meeting.
Shuchuang Cloud, which focuses on the research and development of cloud computing, artificial intelligence and Internet of Things technologies, has been approved by the Jiangbei New Area Branch of Agricultural Bank of China for a 1 million yuan micro and small enterprise loan. This will further promote the company’s technological upgrading and working capital turnover, and help it expand its R&D investment and market expansion.
Since the launch and operation of the Jiangbei New Area Science and Technology Finance Service Center at the end of December last year, more comprehensive and diverse innovative financial services have been carried out. For instance, since the beginning of this year, the center has collaborated with over 30 financial service enterprises in Jiangbei New Area and Pukou District to hold more than 30 financing roadshows, financing coordination and industrial salons. Provided financing roadshows for a group of private enterprises with high growth potential, facilitated Chuhang Technology to successfully achieve a total of 25 million yuan in existing loan renewal and new financing, and initially coordinated equity investment of 30 million yuan…
The Finance Bureau of Jiangbei New Area has also taken innovative measures. On the one hand, it has continuously strengthened cooperation with capital market platforms such as the Shanghai Stock Exchange, Shenzhen Stock Exchange, Beijing Stock Exchange, and Jiangsu Equity Exchange Center to build a comprehensive enterprise listing service system. On the one hand, it continuously relies on listing service platforms in Nanjing such as the “Capital Market Academy – East China Base” to accelerate the process of cultivating science and technology innovation enterprises for listing.
One by one, the funds were smoothly credited to the account
Drive one project after another to grow rapidly
We look forward to more enterprises seeking financing and intelligence, and thriving
