跨境电商融资成本低至3.99%！深圳亚马逊卖家迎来普惠金融新机遇
跨境电商行业正迎来资本热潮，随着全球市场规模持续扩大，2021年预计将达到1.25万亿美元。然而，对于资金有限的中小卖家来说，如何在这个竞争激烈的市场中立足成为关键问题。
The cross-border e-commerce industry is experiencing a capital boom, with the global market size continuing to expand, expected to reach $1.25 trillion in 2021. However, for small and medium-sized sellers with limited funds, how to establish themselves in this competitive market has become a key issue.
跨境电商市场现状
根据麦肯锡发布的《中国跨境电商市场研究白皮书》显示，全球跨境电商交易额预计将从2016年的4千亿美元增长到2021年的1.25万亿美元，同比增长26%。亚马逊2020年销售额达3680亿美元，第三方卖家贡献了总收入的54%。
Current Status of Cross-border E-commerce Market
According to McKinsey's "China Cross-border E-commerce Market Research White Paper", global cross-border e-commerce transactions are expected to grow from $400 billion in 2016 to $1.25 trillion in 2021, a year-on-year increase of 26%. Amazon's sales in 2020 reached $368 billion, with third-party sellers contributing 54% of total revenue.
中小卖家融资难题
随着150万新卖家预计将在2021年加入亚马逊平台，竞争日益激烈。传统的信贷产品往往难以满足跨境电商企业的融资需求，资金问题成为制约中小企业发展的主要瓶颈。
Financing Challenges for Small and Medium Sellers
With 1.5 million new sellers expected to join Amazon in 2021, competition is intensifying. Traditional credit products often fail to meet the financing needs of cross-border e-commerce enterprises, making funding a major bottleneck restricting the development of SMEs.
普惠金融解决方案
深圳中行与豆沙包联合推出的"跨境电商普惠金融服务方案"具有以下优势：
- 单个店铺最高可贷200万元
- 年化综合融资成本低至3.99%
- 基于亚马逊店铺经营数据快速审批
- 先息后本还款方式减轻压力
Inclusive Financial Solutions
The "Cross-border E-commerce Inclusive Financial Service Program" jointly launched by Bank of China Shenzhen and Dowsure has the following advantages:
- Maximum loan of 2 million yuan per store
- Annual comprehensive financing cost as low as 3.99%
- Quick approval based on Amazon store operating data
- Interest-first repayment method reduces pressure
专家建议：对于资金有限的新手卖家，建议先通过普惠金融产品解决资金问题，再逐步建立品牌优势。同时要关注行业动态，把握Prime Day等销售旺季的营销机会。
Expert advice: For novice sellers with limited funds, it is recommended to first solve funding problems through inclusive financial products, and then gradually build brand advantages. At the same time, pay attention to industry trends and seize marketing opportunities during peak sales seasons such as Prime Day.
如需了解更多关于"跨境电商普惠金融服务方案"的信息，请联系：
电话：0755-22665684
邮箱：[email protected]
For more information about the "Cross-border E-commerce Inclusive Financial Service Program", please contact:
Tel: 0755-22665684
Email: [email protected]
