In today's electronic digital era, computers and mobile phones are highly sought after, and quickly become an indispensable part of people's lives and work, so there is a vast business opportunity that cannot be underestimated. As an "electronic fan", Xiao Zhang rented a shop in a large electronic digital plaza three years ago and started a business of selling computers and mobile phones. Although the market competition is very fierce, Xiao Zhang, with his passion for business and management, quickly stood out in the industry, sales of goods continued to rise, and the number of fixed customers increased. However, as the business continues to expand, Xiao Zhang’s troubles follow. First, in order to save money, Xiao Zhang’s shop has not installed POS machine, and missed a lot of “swipe card family†customers. In addition, it takes a lot of energy to count cash and bank deposits every day. Second, with the increase in transaction volume. The cash flow of the store is always tight. Looking for a bank loan, Xiao Zhang’s only one real estate loan has not been paid off, and he can no longer use it as a mortgage to apply for a loan.
Situation analysis:
From the debit card originally used for saving, to the credit card that can be advanced in advance, the discounted credit card, and now the IC card with higher security and faster payment, the bank settlement tool has been upgraded and updated in recent years. Swipe payment has replaced cash payment and has become the mainstream settlement method for people to consume shopping. Therefore, it is very important for merchants to install a POS machine. However, for small businesses, the one-time card processing fee will be reduced by one card, which in turn increases their operating costs. In addition, small and medium-sized merchants have relatively weak financial strength and it is difficult to provide specifications. The business situation data, these factors make it difficult for them to obtain bank financing, and it is difficult to obtain long-term development.
Advice for small and micro business owners:
For small and micro-enterprise merchants like Xiao Zhang, who are pursuing low-cost and financing needs, China Merchants Bank has the best solution for its “pay and collectâ€. This product is mainly used to provide fixed-line POS terminals, providing card payment services for customers with debit cards and credit cards, which not only facilitates the payment of customers, but also eliminates the merchant's card processing fee, which is convenient and time-saving. To save money, more importantly, small and micro-enterprise owners who install China Merchants Bank's “pay-as-you-go†can also use the POS machine to collect and trade credits and apply for credit loans without real estate mortgage for business turnover. Small and micro business owners can easily handle business licenses, tax registration certificates and corporate identity cards.
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