从忍痛拒海外大单到解锁增长：深港金融机构联动注入“出海动力”

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in securing financing for overseas expansion, which is crucial for their success in international markets [1][3]. Group 1: Company Overview - Zhongke Cloud, founded by Gong Wenbin, has transitioned from chip distribution to developing and selling complete machines and boards, achieving significant growth in a short period [2]. - The company recorded a revenue of 61 million yuan in 2024, marking a nearly 50% increase from the previous year, despite its relatively small size [2]. Group 2: Challenges in Overseas Expansion - Small enterprises often struggle with financing due to a lack of overseas assets that can serve as collateral, making it difficult to secure traditional loans [1][3]. - High costs associated with cross-border logistics and customs fees, along with long payment cycles for overseas orders, create cash flow pressures that deter companies from accepting larger orders [2][3]. Group 3: Financing Solutions - The introduction of "Overseas Loan" by Fuyuan Bank represents a breakthrough for small enterprises, allowing them to access loans without collateral or financial statements, thus addressing their financing challenges [3][4]. - The cross-border data verification platform launched in May 2024 enables efficient validation of credit information, facilitating loans of up to 2.7 million HKD for Zhongke Cloud [3][6]. Group 4: Financial Innovation and Collaboration - The collaboration between WeBank and Fuyuan Bank exemplifies innovative financial solutions tailored to the needs of small enterprises looking to expand internationally [5][6]. - The "Overseas Loan" model enhances credit access by converting domestic business credit into overseas financing capabilities, thus simplifying the loan process for small enterprises [6][7].