Logistics industry is a new sunrise industry in China, and small and medium-sized logistics enterprises occupy a dominant position in China's logistics market. Therefore, the development of small and medium-sized logistics enterprises is of great significance to promoting the healthy development of China's logistics industry. These small and medium-sized logistics enterprises are a new force in China's social and economic development, and play an irreplaceable role in promoting the vigorous development of China'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, there are many unfavorable factors that restrict the development of small and medium-sized logistics enterprises in China. The capital problem is one of the most prominent constraints.

With the continuous expansion of business scale and business scope of small and medium-sized logistics enterprises, the pressure of funds is increasing. On the one hand, it is the input pressure of facilities and equipment. The logistics industry is a capital-intensive, labor-intensive and technology-intensive industry, and a lot of money is needed for the construction of outlets, transportation, loading and unloading equipment and enterprise informatization. On the other hand, it is the demand pressure of daily operating liquidity. Such as personnel salaries, storage lease fees, equipment lease fees, fuel costs, bridge tolls, equipment purchase and maintenance fees, and prepayments for logistics outsourcing. The third is the pressure of customers' accounts receivable. The more customers and the larger the scale, the greater the pressure on the liquidity of logistics enterprises. The fourth is the liquidity pressure of business margin and deposit. When a logistics enterprise signs a contract with a consignor enterprise, in order to prevent the goods from accidents in transit, some consignor enterprises need the logistics enterprise to pay a certain amount of deposit; Some logistics enterprises also need to pay advance payment or deposit for chartered cars and charters from railway, civil aviation and other departments. "We are not without business, but without money." A representative of a private logistics company said this in an interview.

Financing difficulty is a problem that all logistics enterprises have to face, and for small and medium-sized logistics enterprises, financing is particularly prominent. The healthy and orderly development of small and medium-sized logistics enterprises can not be separated from the support of funds, but at present, small and medium-sized logistics enterprises lack the necessary financing channels and liquidity in the normal development process. It is reported that at present, the funds of small and medium-sized logistics enterprises mainly come from their own accumulation and private lending, which is small in scale, high in cost, high in risk and lacking in stability and sustainability. It is difficult to raise large-scale funds only by logistics enterprises themselves, but there are many obstacles in raising funds through capital markets or financial institutions. Often enterprises work hard for a year, and the money they finally earn is only enough to pay high interest. This greatly restricts the rapid development of small and medium-sized logistics enterprises.

In view of 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, development prospects and difficulties of the logistics industry, the SME Service Branch of Shanghai Logistics Association and China Minsheng Bank Shanghai Branch reached a consensus to sign a strategic cooperation agreement. China Minsheng Bank Shanghai Branch set aside the restrictions of commercial banks on registered capital and assets mortgage, tailored the reputable logistics enterprises recommended by the association, directly issued credit funds ranging from hundreds of thousands to millions, and unsecured low-interest loans with a monthly interest rate of several thousandths to jointly build a "logistics fund bank" project to solve the financing difficulties for small and medium-sized logistics enterprises.