The logistics industry is an emerging sunrise industry in my country. Small and medium-sized logistics enterprises occupy a dominant position in my country's logistics market. Therefore, the development of small and medium-sized logistics enterprises is of great significance to promoting the healthy development of my country's logistics industry. These small and medium-sized logistics enterprises are a new force in my country's social and economic development, and play an irreplaceable role in promoting the vigorous development of my country's logistics industry, enhancing market vitality, alleviating employment pressure, and optimizing economic structure development. However, the development of small and medium-sized logistics enterprises has encountered many problems at different levels. From the macro-environment to the micro-environment of the development of the logistics industry, there are many unfavorable factors that restrict the development of small and medium-sized logistics enterprises in my country. Funding is one of the most prominent constraints.

With the continuous expansion of the operation scale of small and medium-sized logistics enterprises and the continuous expansion of business scope, the pressure on capital is also increasing. On the one hand, the investment pressure of facilities and equipment. The logistics industry is a capital-intensive, labor-intensive, and technology-intensive industry. A large amount of capital is required for the construction of outlets, transportation, loading and unloading equipment, and enterprise informatization. On the other hand is the demand pressure of working capital for daily operations. Such as personnel salaries, storage rental fees, equipment rental fees, fuel costs, bridge tolls, equipment purchase and maintenance fees, advance payments for logistics business outsourcing, etc. The third is the pressure of customer accounts receivable. The more customers and the larger the scale, the greater the pressure on the working capital of logistics enterprises. The fourth is the liquidity pressure occupied by business deposits and deposits. When a logistics company signs a contract with a cargo owner company, in order to prevent accidents in transit, some cargo owner companies require the logistics company to pay a certain amount of security deposit; some logistics companies also need to pay advance payment or deposit for chartering cars and charter flights to railway, civil aviation and other departments . "We are not without business, but without money." A representative of a private logistics company said in an interview.

Difficulty in financing is a problem that all logistics companies have to face, but for small and medium-sized logistics companies, the problem of financing is particularly prominent. The healthy and orderly development of small and medium-sized logistics enterprises is inseparable from the support of funds, but at present, small and medium-sized logistics enterprises lack the necessary financing channels and working capital in the normal development process. It is reported that the current funds of small and medium logistics enterprises mainly come from their own accumulation and private loans. This kind of financing is small in scale, high in cost, high in risk, and lacks stability and sustainability. It is difficult to raise large-scale funds only by relying on logistics companies themselves, but there are many obstacles in raising funds through capital markets or financial institutions. Often companies work hard for a year, and the money they finally earn is only enough to pay high interest. This largely restricts the rapid development of small and medium-sized logistics enterprises.

In response to the above phenomenon, the SME Service Branch of Shanghai Logistics Association has taken solving the financing problem of SMEs as a top priority since its establishment. According to the characteristics of the logistics industry, development prospects and difficulties at the current stage, the SME Service Branch of Shanghai Logistics Association and China Minsheng Bank Shanghai Branch reached a consensus and signed a strategic cooperation agreement. China Minsheng Bank Shanghai Branch disregards the commercial bank's restrictions on registered capital, asset mortgage, etc., tailor-made logistics companies with good reputation recommended by the association, and directly distributes credit funds ranging from several hundred thousand to several million. Monthly Unsecured and low-interest loans with a few percent interest, jointly build a "logistics fund bank" project, and solve financing difficulties for small and medium-sized logistics enterprises.