■ Li Bing of our newspaper reporter
Endow with in financial science and technology can in all sorts of financing means, supply catenary finance domain to accept the favour of the orgnaization quite all the time. As appear on the market the company was released of annals in succession 2018, the bank supplies catenary finance outstanding achievement and relevant data to also rise to surface.
" negotiable securities daily " reporter discovery, the technology such as catenary of big data, area piece is ecbolic new-style supply catenary financing mode, mixing hard to solve financing of medium and small businesses financing expensive issue opens new entrance door.
Area piece catenary " add hold " supply catenary finance
Supply catenary finance to face a lot of difficulty currently. For instance the bank is put shift cost tall, mutiple level credit is penetrable difficult, risk identifying and accuse to wait for a problem hard, among them information asymmetry is one of main reasons that block up supplies catenary finance to develop quickly.
And the technology such as catenary of big data, area piece is ecbolic new-style supply catenary financing mode, mix hard for financing of medium and small businesses financing expensive issue opened new entrance door.
Reporter discovery, all express in annals of orgnaization of a lot of home, its supply catenary finance domain to develop to all cannot leave science and technology. And in method of science and technology of a lot of finance, technology of area piece catenary gets attention quite.
Mention in restful bank annual report, be in domain of area piece catenary, explore the deepness application that supplying the domain such as catenary finance and innovation continuously, if supplying chain,receivable Zhang money serves platform (SAS platform) use technology of area piece catenary, achieve capital fund can trace to the source, cannot distort. In the meantime, use robot flow automation (RPA) processing of automation of technical implementation business, promoted bank tradition the efficiency of manual operation flow and quality greatly, already was opposite at present open door check, wait for many business setting to apply to making public a person to be typed all right, business processing efficiency is more artificial promote 60% above. And SAS platform measures application completely " in safety area piece catenary " technology of 4 big core, build with all possible means each other believes a mechanism, asset of penetrable management ground floor; Apply " artificial intelligence + big data " , to the authenticity of commerce setting nuclear check mixes executive intelligence to be monitored continuously.
Letter bank was to release first in " area piece catenary + supply chain " pilot innovation project, with what compose of technology of area piece catenary builds open cooperation is new-style supply catenary ecology group, open one's own profession supplies catenary finance to develop new pattern.
Qingdao expresses in bank annual report, will supply catenary finance to the area piece catenary is outspread, implementation " area piece catenary trades + finance " deepness is shirt-sleeve. Inside report period, add cash newly to manage effective client 89, add newly supply catenary banking client 43, add client of international business settle accounts newly 413.
Bank of the people's livelihood expresses, drive actively optimize supply system of catenary finance mechanism, design platform of science and technology of system of trade solution, perfect product, construction and applied finance science and technology.
Those who deserve attention is, supply catenary to be able to solve fluctuation to swim not only the huge financing demand of the enterprise, it follows significant action to society and market is to solve financing of medium and small businesses the issue with difficult, expensive financing.
The personage inside course of study thinks, "Current, the financial science and technology that is a delegate with computation of catenary of artificial intelligence, area piece, cloud and big data is supplying confluence of catenary finance deepness with the tradition, hopeful runs way with capital closed circuit through conducting multistage of core business credit, the lot that opposite risk can charge drives development of business of financing of medium and small businesses.
The people's livelihood supplies client of catenary finance core to turn over times
At present of financial science and technology help strength, the supply that makes the financial orgnaization such as the bank passes through core business effectively venture of catenary identifying company, in support financing of small small company.
Restful bank is in announced in annals 2018, its are upgrading actively intelligence supplies catenary finance to serve, 2018 SAS platform, offer the integrated finance such as the cession of receivable Zhang money on the line, financing, management, settle accounts to serve. Up to 2018 year end, SAS platform accumulative total trades the quantity breaks through 10 billion yuan, in already was 111 core business and its upper reaches, small small company offers finance to serve support.
Qingdao bank annual report shows, supply catenary banking business to enlarge development further. Inside report period, already was home 14 large the accumulative total of nearly 1500 agency that quick pass the time in a leisurely way tastes core business extends loan 1.545 billion yuan, up to year end borrowed money last year remaining sum 463 million yuan, relatively grew 13.76% 2017. Improve and advance supply catenary finance, line to issue the business development such as small small finance and Internet finance, rolled out in succession " catenary E is borrowed " , " card E is borrowed " , " achieve E be in harmony " , " benefit E is borrowed " wait for innovation business product.
And annual report of bank of the people's livelihood shows, already will supply catenary finance to regard reform as domain of transition key strategy. It is to hold water more supply ministry of catenary banking career.
As we have learned, supply ministry of catenary banking career to rely on core enterprise and trade platform deepness digs an industry, technology of applied finance science and technology is made new supply catenary finance platform, through the system catenary of industry of straight couplet get through swims up and down, it is zoology for platform, each other with core business each other, preliminary form zoology to encircle rudiment.
Inside report period, formed basically already with " catenary of E of the people's livelihood " for the supply of the brand catenary finance serves a system integratedly, include " " series trade solution, " E " series financing product and the integrated banking product such as a series of settle accounts conduct financial transactions and service.
Among them " " series trade solution covers medicine to connect, the car is sold, vintage wine is connected, home appliance is connected, build labour to connect; "E " series financing product and the integrated banking product such as a series of settle accounts conduct financial transactions and service, cover tick E, receivable E, purchase the E, E that believe be in harmony, all-around on contented industry catenary demand of financing of of all kinds client.
" negotiable securities daily " the reporter notices, up to last year year end, bank of the people's livelihood supplies client of catenary finance core to count than 2017 year end grows 121.43% . The aspect is changed in capital negotiable securities, invest countrywide head sheet successfully " one belt all the way " supply catenary banking negotiable securities to turn a project.
In the meantime, the Su Ning that just announcing is bought easily Su Ning finance also alludes in annals to supplying outstanding achievement of catenary finance domain.
Money newspaper shows, su Ning finance is ceaseless the development fixed position of the company of financial science and technology that aggrandizement is characteristic with O2O confluence, focusing pays, supply the core business such as science and technology of catenary finance, finance and product. Last year, su Ning finance supplies annual of catenary banking business to trade dimensions grows 55% compared to the same period.
