Yigang: logistics companies how to get the bank's favor

       From one road to another, very simple. From one industry to another industry, need courage. From the bank to the logistics he in the end is what kind of idea? Today Xiaobian to a thorough exploration! . .

       Yi Gang: 8 years experience in banking management system, 6 years experience in logistics finance, successively in the Industrial Bank, Minsheng Bank as a collection and logistics business leader, has a profound understanding of the logistics industry. Has worked in Haier, Suning, five-star manufacturing and channel industry, as marketing, channel management and regional management positions. In 2015, and Li Yanxi, who founded E-COD, for the collection of risk management and control solutions to improve the small and medium-sized micro-logistics enterprise financial management standards.

       Xiao Bian: How did you notice the logistics industry from the banking system?

       Yi Gang: When I was in charge of the bank is mainly responsible for the collection and logistics business, and logistics enterprises in contact with deep. Banks mainly rely on deposits and interest differentials to eat, get the deposit after the need to lend, that is, through the deposits of low interest rates will be pulled in the deposit, and then add a few points and then released to earn the interest difference is one of them. Therefore, banks are more concerned about logistics, especially Lingdan logistics, which involves the collection of money, which is a big profit. For example: a medium-sized logistics company, the daily collection of money will be more than 10 million, more than 20 million, the flow of funds is very large, which is one aspect of the banks fancy logistics company. Logistics enterprises are small and medium-sized micro-enterprises, banks do business in the need to pull customers, and customers in the face of small and medium-sized micro-bank customers is difficult. For example: a logistics company has a long-term fixed 10,000 customers, you want them to talk about a time and effort can be imagined, but through the logistics business, the upstream customers can be a one-time transfer to the banking system , Which is the banks fancy logistics company on the other hand. The owner through the logistics enterprises will be sent to the destination of goods, logistics companies need to be paid back to the owner to collect some bank cards need to open, the logistics company can be through personal online banking, corporate online banking transfer payment to the owner, While the consignor's bank card has a great value to the bank.

       Xiao Bian: wher is the main focus of the bank?

       Clothing just: the focus of the bank there are two: one deposit, the second is the number of customers. To get a logistics business then pulled to the upstream and downstream logistics companies a huge customer base, these customers not only have deposits, you can buy money, buy a fund, buy gold, put loans, and then the bank's income to come. Bank access to the logistics business itself as part of the funds at the same time access to the logistics enterprise customer funds.

       This was what I did in the bank, and there was some idea of ​​what was going on. We found that the logistics industry there are some problems, that is, collection and payment of risk control issues. So in the banking system when the design of a lot of programs, you want to solve the logistics company on behalf of the cash flow control issues.

       Xiao Bian: At that time, you have the idea to solve the problem of collecting money?

       Yigang: real bank to do this risk control is not suitable for this system, the bank wants the consignor, logistics companies, consignees are using the same bank is not realistic, as well as the bank's own business system on the rules Some businesses can not be done. So when we first proposed this model in the bank, one of the problems, one institutional problems, there is a policy issue. So with the banks to carry out this risk control system is unable to do. And then met Li Yan River, found that he also do this thing, and then chatted up, found that ideas are like-minded, and later jumped into this circle.