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New Financial Services Mode And Industrial Chain Development Convergence Docking
< p > mouse, real-time arrival! This is the time when Bosideng agents get online financing from Huaxia Bank's "platform finance". The new financial service mode is integrated with industrial chain development, which has injected unprecedented financial vitality to the development of traditional a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > industrial development. < /p >
"P" Bosideng group is one of the largest down garment enterprises in China. After years of development, it has become a multi brand clothing business group with Down garments as its main business. Its brand portfolio market share occupies half of the domestic market. It is understood that Bosideng group's Jiangsu Bosideng Clothing Development Co., Ltd. (hereinafter referred to as "Bosideng clothing") is mainly responsible for the production and sale of Bosteng group's men's clothing, and has nearly 1000 shops in China. According to preliminary statistics, its agents account for over 80% of total retail sales and sales account for 60% of the total domestic sales. < /p >
< p > according to the practice of garment industry, the cooperation with downstream agents is usually based on credit sale. Agents usually pay an advance payment of a certain proportion of the order amount. "Bosideng clothing" gives the agent a certain amount of credit on the basis of cooperation, and the two sides settle the bill once every 3 months. This credit sale method brings certain accounts receivable to Bosideng clothing. Since 2012, the Bosideng clothing project has expanded the sales network with the speed of increasing 300-500 stores annually. At the same time, it inevitably brought about the expansion of accounts receivable. Business development and financial burden have become the double-edged sword faced by enterprises. < /p >
< p > Bosideng group has always attached great importance to the information management of enterprises, and has established an electronic distribution system earlier in the garment industry. The agents from all over the country have created an electronic ordering "Bosideng clothing" through the distribution system to achieve the online sale information and payment management, which coincides with the features of the "platform finance" business mode of Huaxia Bank and the national coverage. Under this brand new business mode, Huaxia Bank has independently developed its capital payment management system and docking with Bosideng clothing electronic distribution system, with Bosideng garments as its platform customers, aggregating information flow and capital flow, and providing trade financing for the small and medium enterprises with high quality downstream agents according to the trade background of the bilateral orders information, so as to solve the financial pressure faced by the small businesses to pay the loans, and at the same time, reduce the accounts receivable of Bosideng clothing, and help "Bosideng clothing" to expand the sales network rapidly. < /p >
< p > downstream agent's order to "Bosideng clothing" after the order is generated, according to the situation of its own funds, decide whether it is necessary to raise funds. If necessary, check the order for financing and initiate financing application if necessary. Huaxia Bank will issue a certain proportion of loan according to the order amount, and the credit funds will arrive in real time, and be entrusted to the "Bosideng clothing" account, which is only limited to the payment of goods, and the credit sale mode will become the agent's cash pick up. When the repayment is made, the agent can recycle according to the condition of his own capital. Compared with the traditional mode of debt service, the whole process and electronic financing services enable small business agents to gain greater financial autonomy and reduce financing costs. In the course of service, the function of fund collection and other functions of the capital payment management system can be brought into full play. According to the information such as funds and water resources, the flow of credit agents' funds can be dynamically grasps, the credit lines can be flexibly adjusted, and financial support matching with the actual needs of small businesses can be provided to ensure that credit resources really support the development of the real economy. < /p >
< p > Lu Xiaoqun, general manager of the Credit Department of the small and medium sized Bank of Huaxia Bank, said that "platform finance" maximally collected information flow, capital flow and logistics, and broke through the bottleneck of the "a target=" _blank "href=" http://www.91se91.com/ "textile" /a "industry credit sale mode with the characteristics of" small, fast and smart ", alleviating the financing difficulties and financing of small businesses, and reducing the accounts receivable of Bosideng clothing and improving the financial situation of enterprises. The integration of Finance and IT has effectively promoted the expansion of Bosideng clothing sales network, and has injected financial innovation power to create "China speed" for domestic textile brands. < /p >
"P" Bosideng group is one of the largest down garment enterprises in China. After years of development, it has become a multi brand clothing business group with Down garments as its main business. Its brand portfolio market share occupies half of the domestic market. It is understood that Bosideng group's Jiangsu Bosideng Clothing Development Co., Ltd. (hereinafter referred to as "Bosideng clothing") is mainly responsible for the production and sale of Bosteng group's men's clothing, and has nearly 1000 shops in China. According to preliminary statistics, its agents account for over 80% of total retail sales and sales account for 60% of the total domestic sales. < /p >
< p > according to the practice of garment industry, the cooperation with downstream agents is usually based on credit sale. Agents usually pay an advance payment of a certain proportion of the order amount. "Bosideng clothing" gives the agent a certain amount of credit on the basis of cooperation, and the two sides settle the bill once every 3 months. This credit sale method brings certain accounts receivable to Bosideng clothing. Since 2012, the Bosideng clothing project has expanded the sales network with the speed of increasing 300-500 stores annually. At the same time, it inevitably brought about the expansion of accounts receivable. Business development and financial burden have become the double-edged sword faced by enterprises. < /p >
< p > Bosideng group has always attached great importance to the information management of enterprises, and has established an electronic distribution system earlier in the garment industry. The agents from all over the country have created an electronic ordering "Bosideng clothing" through the distribution system to achieve the online sale information and payment management, which coincides with the features of the "platform finance" business mode of Huaxia Bank and the national coverage. Under this brand new business mode, Huaxia Bank has independently developed its capital payment management system and docking with Bosideng clothing electronic distribution system, with Bosideng garments as its platform customers, aggregating information flow and capital flow, and providing trade financing for the small and medium enterprises with high quality downstream agents according to the trade background of the bilateral orders information, so as to solve the financial pressure faced by the small businesses to pay the loans, and at the same time, reduce the accounts receivable of Bosideng clothing, and help "Bosideng clothing" to expand the sales network rapidly. < /p >
< p > downstream agent's order to "Bosideng clothing" after the order is generated, according to the situation of its own funds, decide whether it is necessary to raise funds. If necessary, check the order for financing and initiate financing application if necessary. Huaxia Bank will issue a certain proportion of loan according to the order amount, and the credit funds will arrive in real time, and be entrusted to the "Bosideng clothing" account, which is only limited to the payment of goods, and the credit sale mode will become the agent's cash pick up. When the repayment is made, the agent can recycle according to the condition of his own capital. Compared with the traditional mode of debt service, the whole process and electronic financing services enable small business agents to gain greater financial autonomy and reduce financing costs. In the course of service, the function of fund collection and other functions of the capital payment management system can be brought into full play. According to the information such as funds and water resources, the flow of credit agents' funds can be dynamically grasps, the credit lines can be flexibly adjusted, and financial support matching with the actual needs of small businesses can be provided to ensure that credit resources really support the development of the real economy. < /p >
< p > Lu Xiaoqun, general manager of the Credit Department of the small and medium sized Bank of Huaxia Bank, said that "platform finance" maximally collected information flow, capital flow and logistics, and broke through the bottleneck of the "a target=" _blank "href=" http://www.91se91.com/ "textile" /a "industry credit sale mode with the characteristics of" small, fast and smart ", alleviating the financing difficulties and financing of small businesses, and reducing the accounts receivable of Bosideng clothing and improving the financial situation of enterprises. The integration of Finance and IT has effectively promoted the expansion of Bosideng clothing sales network, and has injected financial innovation power to create "China speed" for domestic textile brands. < /p >
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