Although China’s economic recovery is expected to be further strengthened, the actual challenges faced by SMEs, an important factor in maintaining economic activity, are only different in different economic environments. Information from the APEC SME Summit concluded on the 13th in Hangzhou shows that the economic crisis since 2008 has been promoting the positive transformation of SMEs in all aspects, and that this transition is accompanied by corporate and electronics. More active interaction in the business sector.
Network Solution for SMEs' Dilemma
"When does the banking system really implement credit loans? How much does the customer's credit account for the bank loan process?" "Why can't domestic letters of credit transfer?" and "Can I add personal credit to small business loans?" At the meeting of SMEs and banks in the APEC meeting, how to solve the financing dilemma of SMEs is still the topic most concerned by companies. From the point of view of enterprises to the bank, SMEs are also using a variety of large companies can not imagine ways to help them get rid of the shackles of funding.
Previously, 1565 questionnaires were distributed to small and medium-sized enterprises on e-commerce platforms to conduct research on the survival and development of SMEs after the crisis. The survey results suggest that the financial crisis will impact the western world and this process will continue for some time. Chinese SMEs will be affected by this pattern for a long time. Under these conditions, the SMEs' institutions are actively adjusting and the uncompetitive enterprises are shrinking. With the liberalization of industrial access policies, SMEs are exploring new opportunities in new areas.
Even so, the funds and channels that have plagued SMEs for a long time during the actual operation are still serious problems. In particular, many companies have turned from foreign trade to expanding domestic markets during the financial crisis. At this time, accompanied by the tenacious survival of small and medium-sized enterprises themselves is the upgrade of the service plan provided by domestic e-commerce service providers.
The network platform can provide banks with companies and have interactive information with parties to the transaction. At present, under such asymmetric credit information, banks will also make more attempts while actively promoting credit loans.
In terms of channel construction, many SMEs need to invest more in channel construction when they are not familiar with the domestic trade. Compared with offline channels, the cost of network channels is obviously lower. According to a research report, the sales cost of products in the offline channel is between 15% and 35%. On some well-known e-commerce platforms, this cost is only about 10%.
E-commerce has accelerated its evolution
For domestic e-commerce service providers, helping small and medium-sized enterprises to ease the pressure brought about by the financial crisis is also contributing to their own growth.
The newly released "1997-2009: China E-Commerce Twelve-year Survey Report" of the China B2B Research Center stated that as of June 2009, the number of SME users using third-party e-commerce platforms in China had exceeded 10 million, while Chinese online shopping users The scale has already exceeded 100 million people. In the first half of 2009, the total revenue of domestic e-commerce service companies (including B2B, B2C, C2C, B2M, B2G, etc.) totaled 7.53 billion yuan. Among them, the most important B2B and B2C were: 3.25 billion yuan and 4.02 billion yuan. Compared with the same period of last year, the scale of revenue for all types of enterprises has increased significantly.
The agency predicts that the overall revenue of e-commerce services in 2009 is expected to exceed the 15 billion yuan mark for the first time, ushering in the “new peak†of e-commerce in China for the past 12 years.
Zhang Zhouping, a researcher at China’s B2B Research Center, told the China Securities Journal that the future E-commerce service providers’ services for SMEs have a lot of room for development, such as providing full process support for the company’s industrial chain and supply chain. Enterprises can receive e-commerce support from purchasing, production, and marketing promotion. At the same time, the integration of B2B, B2C, and C2C will be further improved, and B2C, C2C, and B2B businesses will be able to more easily realize the circulation of goods.