Since the financial crisis, SMEs have been faced with financing bottlenecks, especially the small and micro enterprises in the clothing industry.

"Small and micro businesses like us are not strong enough to touch the banks."

The Internet innovation financing mode held yesterday.

The owner of a small garment factory in Ganjingzi District told reporters.

"This kind of financing training and docking gives us a chance to face the bank."

Nevertheless, reporters at the scene found that most of the small and micro garment enterprises attending the meeting still had some benefits for Internet finance to bring to enterprises.

He Qian, director of Bank of China business department,

Mainly divided into Internet financial loans and the use of Internet technology to promote SME sales in two major aspects.

He Qian believes that at present, traditional small and medium-sized enterprises have defects in operation. After the rise of Internet finance, banks can change their previous single approval mode, make use of Internet technology, and use online banking to achieve online approval process. This way not only accelerates the approval process, but also realizes the mode of credit factories for small and medium-sized enterprises.

The batch approval process is adopted to complete the fast examination and approval of certain customers who meet the requirements, and solve the problem that SMEs need urgent funds and high efficiency.

Internet finance is also playing an increasingly important role in promoting the sales mode of small and medium-sized enterprises, which can save a lot of capital costs for enterprises.

People often ask why.

The price of clothing is so high, that is because the shopping mall needs to be drawn from 20% to 30%. If Internet finance is used, the price will be greatly reduced. Not only will consumers save money, but also the cost of enterprises will be reduced.