A few days ago, Zero Financial and Zero Financial Bank combined with casual lending to release the report “Small and Micro Logistics Financial Development and Formal Innovation”, focusing on the status quo, changes and transformation direction of the material industry, highlighting the development forms of representative enterprises in the industry, with a view to Industry development provides reference to create. The report shows that as the most important way of logistics transportation in China, the overall freight volume of highway logistics in 2017 exceeded 70%, becoming a well-deserved logistics economy artery. At the same time, as the most important means of transporting road logistics, the number of trucks in China has slowed down in recent years, but the tonnage has risen from time to time, the proportion of tractors and trailers has increased, and truck logistics is in the logistics of logistics. The beginning of the market position is further highlighted. The fragmentation and network characteristics of the material industry have formed more than 90% of logistics enterprises are small and medium-sized enterprises. Similarly, road transportation has shown a state of lax, inefficient, high resource and high rate for a long time, which seriously limits the overall efficiency of China's logistics. Improvement. The lag of the operating cycle and the settlement cycle has made funds once the biggest bottleneck for these SMEs. The survey showed that benefiting from the "Internet +" Dongfeng, logistics finance to the Internet transformation, logistics e-commerce, supply chain platform, P2P online lending institutions, etc. came into being, logistics financial services gradually broke the geographical restrictions, soaked into small and micro users. The report takes the free loan of Kaiyuan Finance as an example. The company is based on the operational group of truck owners. After three products, namely “lightness”, “monthly profit” and “zhongying”, the trucks are distributed in the radiation logistics financial industry chain. Neighboring chains such as quotient, stage company, logistics company, gas station. The report believes that at this stage, how to apply big data, cloud computing and other financial technology to crack the financing problems of small and medium-sized logistics enterprises, build a sustainable information exchange platform, become the main body of logistics finance to seize market share, expand the long-term customer eager attention And the problem to be dealt with. Driven by the “cold winter” of funds and the transformation needs of logistics companies, the Internet has a lot to offer in the small and micro logistics market. The report shows that due to the maturity and professionalism in logistics and information flow to promote the innovation and development of its capital flow form, Internet companies and logistics companies have set a goal to establish a victory in information collection for the characteristics of SMEs in the supply chain. The platform of energy, while providing logistics services for upstream and downstream enterprises, uses the Internet channel and technologies such as big data and cloud computing to form a credit management center advantage to establish an information interaction path between the lender and the borrower.