Save money? Better to store wine article Source: New Fortune? Author: Zhou Shujie bank can keep the wine from the rise of Taiwan, the mainland is also followed by many people. Low investment threshold, and can be expected to appreciate the convenience of both, is 'wine bank' appeal lies. With the pledge of a new model of wine, 'wine bank' more wine prices ease the financing difficulties of small and medium provides a reference path. In recent years, well-known brand collections grade wine auction prices hit record highs, in April 2011, held in Guiyang, the first vintage Maotai auction, handi Maotai sold 890 million price. Wine is no longer confined to consumer goods, high-end wine collection grew hot investment trend. With the prosperity of the market, alcohol derivatives, emerging, wine prices with banks to launch on the en primeur alternative financial products, but for high-end investors and collectors customer needs, 'wine bank' is born .
Compared to private winery high investment threshold, the wine store into 'wine bank' threshold is much lower. Customers not to worry about alcohol preservation, storage and other issues, but also to enjoy alcoholic shopping guide guidelines, evaluation and consultation, the authenticity and the quality of identification, transfer, sale and other services. 'Wine Bank' is to change the original production of the old model wine prices plus marketing. September 2011, Hankou Bank and Luzhou Group to launch '1573' right of return financial products high-end liquor, then wine prices and bank cooperation and constant innovation, such as the finished wine or of wine stored in the second cycle, carried out 'wine pledge loan' in order to meet the financing needs, solve the goods stored procedure takes up a lot of money problems. Facilitate investment and derivative 'wine bank', 'wine bank', as the name suggests, it is the bank can keep the wine from the rise in Taiwan, currently in Guizhou, Xinjiang, Qingdao, Beijing and other places also have been started. Wine investors, collectors can open an account like money the wine store, and can achieve the expected benefits even ultra-high earnings, which is 'wine bank' is unique. In addition to wine storage customers, but also enjoy shopping guide guidelines liquor, wine valuation advice, identification of wine authenticity and quality services. 'Wine Bank' offers special saving way to get the wine to maintain the quality of wine has kept French wine, liquor store has liquor laws, the more valuable the better the wine store, part of the value of like interest; 'wine bank' also provides a rare and wine auction services, to enhance the 'wine value' of liquidity. Collection of high-end wine investment are mainly three types of people: the first is a real collector, they understand the rich culture and a professional wine storage knowledge; second is the investors, who value the uniqueness of high-end wine, scarcity and appreciation potential; third category is wealthy individuals. When investing in both front and rear high-end wine, often encounter all kinds of trouble, the wine industry in the current prevalence of counterfeiting and Fan Jia, prices were inflated, circulation problems confusion in perpetuity. Even knowledgeable people, since the resale channel is not smooth, will face bodegas can not be easily liquidated embarrassment. Although bodegas mostly purchased from the formal liquor stores, but collectors do not have liquor qualifications, secondary sales are not easy. While the market many 'recovered alcohol' acquisition point, the cost of recycling is often only about 5 fold, and may not be legitimate, and even the risk of being 'transfer package'. Through regular 'wine bank', you can avoid these problems. In addition, wine if stored properly, there will be the risk of changes in wine quality and evaporation. As we all know, the best wine store in the wine cellar, through professional techniques and equipment to reduce alcohol spicy, catalytic wine alcohol degree, it gets better.
Therefore, the longer the wine is stored, the more mellow easy to read, drink wine taste better suited the tastes of consumers, drinking of more prominent. Early in the 1990s, had become a fashionable investment wine United States and Europe, high-end customers will be deposited into your own private wine cellar, these wines are stored up because of differences in the year, and there are different degrees of value. Compared to the high investment required for admission French wine cellar, wine store into 'wine bank' threshold is much lower. In China Taiwan 'wine bank' account, the amount required is only 5000 yuan NT, which is Europe and other countries can not be given preferential treatment. 'Wine bank' each urn wine, wine annually according to age continue to add value. In addition, investments by collectors profitable wine storage while not delay drinking, 'wine bank' generally 1--3 years as a storage cycle, customers can also be removed the surviving drink. This investment of both value and convenience features, it is also attractive 'wine bank' lies. Like wine storage wine enterprises save money as the creation of 'wine bank' profit comes mainly from three aspects: First, the original wine prices will be stored at the expense of the wine business in the past alone, companies and investors into a common commitment to revitalize the wine prices liquidity, reducing the cash conversion cycle; the second is the issue of wine when wine prices, investment income for investors in proportion pumped into; the third is keeping costs 'wine bank' charged. In China Taiwan, the earliest start 'wine bank' is Taiwan Tobacco and Liquor Corp. Chiayi Winery. Back in 1994, Chiayi winery has started trial operation 'wine bank' business until November 2007 was officially operational. Up to now, Chiayi winery has more than 1,000 investors to invest in the plant's 'wine bank.' Similar general financial banks, investors buy the drink, get a book, according to the number of buy wine urns, and 'wine bank' will put premium, clearly states the name of the wine has been sold, specifications and retail price. 'Wine bank' each urn wine, has its own number. Under normal circumstances, the first 3-year customer to store wine is free, but must be at least 3 years after management fees, the monthly 300 yuan per wine urn. At least 3 years, if the customer did not apply withdraw, also continue to be placed not apply to the winery, will be charged 15 yuan a day late. Chiayi winery In addition to the head office has been set up outside the nine branches, consumers can open an account in each row, customers can freely choose to buy wine where the wine is stored in a branch, deposit and withdrawal, but also through the network to see their wine in the bank wine storage. In accordance with the provisions of Chiayi winery, 'wine bank' sells wine urn annual price increase of 10%, for example, in 2008 the main push of 27 liters urn installed Lunar mouse Kyrgyzstan, namely its 2009 price increase 10% -20%. If you encounter a natural disaster or other irresistible factor leaving the wine can not be sold, at least based on their original wine prices recovered to some extent, protect the interests of investors. This makes the 'wine bank' account deposit wine has a double positive protect the value of the words 'wine bank' is sold in all the high-end wine, good storage environment, thereby forming a new marketing selling point play to enhance the brand of wine prices, stimulating effect, especially for enterprises custom wine, wine collections, but also adds to its charm and value of the collection. China Taiwan Most 'wine bank' mode of operation, is the kind of wine wine cellar as a trading basis.
There is also a kind of wine with a conceptual bond instead of a 'wine bank' store-and-trade, which is Taiwan's representative firm distillery. Distillery does not offer 'wine bank' in the country, it is only at the headquarters launched a sorghum liquor store coupons. Investors trading in liquor store coupons that are actually behind the stock trading enterprise with sorghum, but most people buy wine store coupons, and not to drink or away from, but to wait for sorghum appreciation. This is similar to commercial banks to launch financial products, highlighting the investment value. Mainland wine bank is gradually rising, beginning in 2009, Taiwan wine bank has operations in Fujian and Guangdong, the public can not only keep the wine, you can enjoy 24 hours to send wine, rare wine auction services. In March 2012, from Jiangsu Province, 'rest assured that the wine chain management headquarters,' planning 'wine bank' was officially settled in Suzhou, which is a set of liquor store, preserve, transfer, sale as one integrated service member, and plans to combine ' 10 million Village 'township project, create assured wine chain outlets 100. May, 'Chinese wine bank' officially opened in Qingdao wine museum, which is 'bank' adapted from a cave from inside Qingdao Wine Museum, which consists of a warehouse for storing wine. 'Wine pledge' expand financing Path 'wine pledge loans' is a bank based on wine prices demand, tailored specifically for the wine business financial products. Wine prices with their own stock as collateral for credit liquor cosplay costumes for sale financing business, the original line of credit of up to 50% -70% alcohol assessment value. In the past, financing difficulty is a common problem facing the development of wine prices.
While financial cosplay gurren lagann institutions have for wine enterprises preferential lending policies, but needs a plant, other in-kind securities as collateral to obtain loans is limited. Most wine prices remoteness, low property values to real estate for collateral conventional loans often difficult to meet the needs of wine prices. Especially small and medium wine prices, most of the funding pressure in the fixed assets, raw materials and inventory of wine, it is difficult to store a lot of wine for many years, only to quickly produce and sell, the lack of capacity for sustainable development, the risk of being gradually integrate mergers. 'Wine bank' funds to alleviate the plight of wine prices provide a reference path. In the 'wine bank' concept to enter the mainland, based on the potential market for high-quality wine appreciation affirmation wine prices with banks to cooperate on innovation, the finished wine or liquor store on the second loop can be carried out, 'the original wine pledge loans', namely through 'Pledge' to meet financing needs, solve problems during cargo storage lot of money to be occupied, help expand financing in wine prices without affecting the flow of goods case, expand business scale. In some areas, this financing model has to get policy support. In 2010, the Sichuan Provincial Food Industry Association Brewing Association, the National Wine Quality Inspection Center and other industry organizations and research institutions, set up in Sichuan wine quality appraisal center, and from within the central organization of industry experts to identify wine quality, and issued by the authority Evaluation Report.
According to the central bank report issued by the enterprise credit, if companies can not repay the loan, the center will sponsor identity repurchase wine and for businesses to repay their loans. In fact, usually the value is much higher than the amplitude of the original wine financing costs, even if the enterprise can not repay maturity, it may be called 'can not lose' the deal. Participating financial institutions are also increasingly active. By the end of March 2012, Huaxia Bank has with more than 70 small and medium liquor in Sichuan enterprises to establish a cooperative relationship with the original wine pledged loans accumulated Sichuan Zhengxing liquor companies and other small wine enterprises credit up to 11 billion yuan, loans of nearly 600 million yuan, 250 million yuan to help companies direct efficiency. In June, ICBC handled the first single commodity finance pledge rice wine business, issuing loans to 60 million yuan RMB, which is the first to pledge their rice wine for the whole bank financing secured handle.