跨境卖家融资需求激增：存货融资的优缺点与成本分析

跨境卖家融资需求激增：存货融资的优缺点与成本分析

Cross-border Sellers' Financing Needs Surge: Pros, Cons and Costs of Inventory Financing

随着跨境电商生态的不断完善，跨境金融的合规发展备受关注。2021年数据显示，海外收款、融资及外汇结算在融资需求上排名前三。跨境卖家对融资需求的占比已达32%，较2020年明显增长。

As the cross-border e-commerce ecosystem continues to improve, the compliant development of cross-border finance has attracted much attention. 2021 data shows that overseas collection, financing and foreign exchange settlement ranked top three in financing needs. The proportion of cross-border sellers with financing needs has reached 32%, showing significant growth compared to 2020.

一、存货融资的优缺点 | Pros and Cons of Inventory Financing

1. 优势 | Advantages

（1）自我抵押：与传统银行贷款不同，存货融资的唯一抵押品是您的存货。

（1）Self-collateralization: Unlike traditional bank loans, the only collateral for inventory financing is your inventory.

（2）申请便捷：只要存货记录完整，申请比传统贷款容易得多。

（2）Easy application: As long as inventory records are complete, the application is much easier than traditional loans.

2. 劣势 | Disadvantages

（1）贷款金额有限：通常在存货评估价值的20%-65%之间。

（1）Limited loan amount: Usually between 20%-65% of the assessed value of inventory.

（2）高利率：由于风险较高，利率通常设定得较高。

（2）High interest rates: Due to higher risks, interest rates are usually set higher.

二、存货融资的成本 | Costs of Inventory Financing

存货融资的成本因贷款人而异，常见费用包括：

The cost of inventory financing varies by lender, common fees include:

• 发起费：按贷款金额比例收取 | Origination fee: Charged as a percentage of loan amount
• 评估费：检查存货时收取 | Appraisal fee: Charged during inventory inspection
• 利息：按借款金额收取 | Interest: Charged based on loan amount

对于快速增长的跨境电商企业，Choco Up提供创新的营收共享型融资解决方案，不分薄企业拥有权，助力全球业务拓展。

For fast-growing cross-border e-commerce businesses, Choco Up offers innovative revenue-based financing solutions without diluting ownership, supporting global expansion.