Is the snack bar the gold owner of the bank? Trillion market to break out!

category:Finance
 Is the snack bar the gold owner of the bank? Trillion market to break out!


More and more retail store owners like ah Qiang are saved by fire and water. In recent months, following the large state-owned banks, many small and medium-sized banks such as Bank of Tianjin, China Resources Bank and consumer finance companies have begun to lay out the consumption scenarios of retail stores and launch tobacco loans for retail customers to facilitate the capital turnover of retail merchants.

We should know that commercial banks are naturally willing to serve large customers, while retail stores are small and micro businesses among small and micro businesses. Why do they become guests of state-owned large banks, city commercial banks and private banks? What is the logic behind a tobacco certificate that can revitalize a store?

The competition for the snack bar

When the tobacco business license has been completed for one year, the application shall be approved on the same day;

The operation process is simple, and the account will be received immediately on the same day.

The so-called tobacco loan refers to the pure credit loan granted by financial institutions to supermarket or store operators engaged in tobacco sales to meet their production and operation capital needs; the loan applicant must have a tobacco monopoly retail license; the loan procedures are simple, the approval process is short, and the interest rate is low.

Large state-owned banks started to promote this product many years ago. However, tobacco loans have really attracted wide attention since the end of 2018, and some financial institutions such as stock banks have also begun to enter this consumption scene. By 2020, city commercial banks have also begun to launch tobacco loans A loan agency sales manager told reporters.

At present, almost a lot of banks are doing this product, but they all focus on regional products, not national products. For example, a bank now only works in Sichuan, Henan, Hebei and Shandong provinces. The above-mentioned sales managers believe that due to the scattered nature of customers, banks need to obtain customers through loan assistance institutions, which are mainly responsible for scenarios and flow platforms to help banks screen customers.

In the past, such retail merchants were not in the eyes of banks. But in fact, the capital flow of retail supermarkets is very stable, among which the most stable is cigarette sales. Because of the rigid demand of cigarette customers, the monthly orders and sales volume of retail customers are very fixed, the operating profit is traceable, and the risk is controllable.

On this basis, banks and consumer finance companies automatically generate loan lines and loan interest based on the tobacco purchase volume of a retail store.

This is the first three weeks of May for a 20 tier retailer. The weekly order amount is 23000 yuan, which can reach 100000 yuan in a month. This is a good quality customer. If you loan, the interest can be much cheaper. The above loan manager told reporters.

It is understood that, like other business loans, the distribution structure of various types of banks in tobacco loans is as follows: large state-owned banks occupy tobacco merchants with large transaction volume, such as large supermarkets, chain convenience stores, large tobacco monopoly stores, etc., and the loan interest rate is low, about 5%; stock banks, city commercial banks and consumer finance companies respectively obtain customers with corresponding risks, with high interest rates, About 10% and more than 15% in many cases.

A consumer finance companys tobacco loan

Its a trillion dollar market

If the land loan, which was just popular a while ago, is a hot product, then the tobacco loan is really a real credit product.

This is a trillion level market. At the same time, the whole tobacco industry chain is clear and concise. There are only four simple operators, namely, Tobacco Monopoly Bureau, tobacco growers, cigarette factories and retailers. The above-mentioned Assistant Loan manager told reporters.

From first tier cities to rural villages and towns, how many retailers hold tobacco monopoly license? According to relevant data, there are about 5.2 million cigarette retailers in China.

Although these retail households are at the end of the whole industry, because of the large number and fixed revenue, these groups are more and more concerned by financial institutions. Big banks, joint-stock banks, city commercial banks and consumer finance companies are competing for the snack bar.

A Qiangs retail convenience store just opened last year. According to the stalls at that time, he only borrowed 50000 yuan. Later, with the increase of my stock, my loan demand also increased. With the rapid expansion of the market, there are still some potential risks, which need to be standardized. According to the reporters investigation, due to the characteristics of small capital flow, frequency and urgency, some banks will charge guarantee fees in the process of granting loans to retail customers. In this way, although on the surface the loan interest rate is very low, but with the invisible guarantee fee, the actual interest rate is not low. In addition, some loan aid institutions will charge customers 2 to 5 points of guarantee. The above-mentioned loan assistance institutions told reporters that some guarantee fee collection instructions will be attached to the inconspicuous corner of the terms in a very small font, which is equivalent to a disguised beheading interest. Source: Shanghai Securities News Editor in charge: Chen Hequn_ NB12679

A Qiangs retail convenience store just opened last year. According to the stalls at that time, he only borrowed 50000 yuan. Later, with the increase of my stock, my loan demand also increased.

With the rapid expansion of the market, there are still some potential risks, which need to be standardized. According to the reporters investigation, due to the characteristics of small capital flow, frequency and urgency, some banks will charge guarantee fees in the process of granting loans to retail customers. In this way, although on the surface the loan interest rate is very low, but with the invisible guarantee fee, the actual interest rate is not low.

In addition, some loan aid institutions will charge customers 2 to 5 points of guarantee. The above-mentioned loan assistance institutions told reporters that some guarantee fee collection instructions will be attached to the inconspicuous corner of the terms in a very small font, which is equivalent to a disguised beheading interest.