Whether can technology of area piece catenary bring new breakthrough to supply catenary finance, is the risk controlled whether more effective? This is self-identity is effective inside course of study, promoting be born practice gradually.
The help solves a tradition to supply catenary finance " pain spot "
Inside course of study the personage looks, mutiple level credit is penetrable difficult, risk identifying and accusing to wait hard is the difficulty that supplies catenary finance to be faced with currently.
"The tradition supplies the problem that solved financing of one class supplier of catenary finance only logically, 2 class, 3 class... the financing of N class supplier is solved hard. " cloth combines father Zhang Mingyu to tell than network science and technology " financial times " reporter, its reason has 4 sides: Information asymmetry, credence cannot be delivered, pay settle accounts cannot automation is finished by the agreement and trade bill cannot tear open branch to pay make pieces whole endorse the setting lack that make over.
So, the way that why settles does catenary finance have in the light of the supply that participates in with all possible means? The personage inside course of study puts forward, the core technology of area piece catenary is distributed Zhang this technology, add close Zhang this structural technology, intelligent agreement technology, can offer very good program to solve above problem.
In light of citing, below traditional system, "Commerce " and " financing " the link that is two depart, b of enterprise A, enterprise finishs after commerce, enterprise A is taking trade news to look for bank C financing, the message that bank C worries about to enterprise A is offerred is real, want to cost very big cost to do test and verify. Below system of area piece catenary, while enterprise A, B trades, bank C is in witness whole process, come so, enterprise A is taking trade news to look for bank C financing, bank C can check from inside the data that this locality witnesses authenticity, and efficiency is tall, need to guarantee the status only, trade the legal effectiveness of agreement.
Zhang Mingyu thinks, to supplying orgnaization of the enterprise in chain link, finance individually dispersedly, use distributed Zhang this technology, let many participate in in just joining chain, share trade data, receivable handle data, can accomplish privacy protection again at the same time, let data can be had only the company that attributive sees sees, if the supplier is opened to financing bank, accredit financing bank inquires its trade data, receivable handle data, at the same time these data are to rely on those who be in core business to deal with Zhang fund base to go up.
Aid force to supply the be born practice of catenary finance
See from inside the financial orgnaization annual report that published a few days ago, exploration is supplying the deepness application of catenary finance domain to already reached consensus almost, and go up in the choice of method of science and technology of a lot of finance, technology of area piece catenary gets attention quite.
For example, restful bank (12.55 +2.03% , examine) 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; The bank is believed in (5.84 -0.51% , examine) released " 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 supplies catenary finance to develop new pattern; Qingdao bank (6.69 +0.30% , examine) will supply catenary finance to the area piece catenary is outspread, implementation " area piece catenary trades + finance " deepness is shirt-sleeve.
In afore-mentioned applying, the core technology advantage that area piece catenary produces is, build with all possible means each other believes a mechanism, asset of penetrable management ground floor. Look in Zhang Mingyu, area piece catenary solved accredit to hand an issue, besides, pass what drive of area piece catenary falls to supply catenary finance innovation, will bring an enterprise greater value and social sense: It is the financing cost that reduces whole industry; 2 it is to dig high grade asset effectively.
According to Introduction Zhang Mingyu, cloth compares one Nuo finance than subordinate cloth platform and Pan Gang, medium gold pays, China and foreign countries carries install total, 10 thousand the reputed founder of the Ix Dynasty content shedding, greatly the much home company such as Jin Xin cooperates, asset is registered to exceed one billion four hundred and ten million and sixty-five thousand four hundred and eight yuan on catenary. Combine Pan Gang to roll out for instance " Pan Ganghui is believed " , build the wisdom that is dominant with core business to supply catenary finance to serve platform, in accumulative total service small small company more than 700, offer financing service to amount to 4 billion yuan, financing of small small company is difficult in solving industrial catenary effectively in practice, the issue with expensive financing, the social responsibility that revealed center look forward to and take on.
Area piece catenary applies foreground to remain to be deepened further
The personage inside course of study thinks, the technology such as area piece catenary ecbolic and new-style supply catenary financing mode, and its mainer to society and market effect is the help solves financing of the medium and small businesses on catenary the issue with difficult, expensive financing.
"What area piece catenary makes is distributed share mode, can attract the whole nation and local credit information to share platform, commercial bank, supply catenary core business to wait receive node of area piece catenary to open share information, in swimming up and down to supply chain, small small company provides efficient and convenient financing medium of communication. " Zhang Mingyu says, the prospective development as technology of informatization technology, content couplet net, the industry moves toward the condition of industrial Internet finally, adopt the technique such as area piece catenary, big data, artificial intelligence, discover setting, serve for setting, let science and technology finally endow with can at industry, service at the industry, guide more capital to return to hypostatic, service substance, drive make supply catenary to supply catenary transition to industrial service, promotion produces industrial value chain.
Meanwhile, also the personage inside course of study puts forward, the technical advantage that place of area piece catenary has is OK and auxiliary solve in supplying catenary finance " pain spot " , but promotion and effective large-scale application still are put in certain difficulty. Current, should realise area piece catenary develops level and happiness to wish adequately the huge gap between Jing Zhi, exert oneself breaks through technical bottleneck, explore new-style technology program, try the application of technology of area piece catenary actively.
Still the expert expresses, know area piece catenary correctly, avoid to be mixed in order to slant completely without exception excessive and exaggerated. Additional, do not answer will the simple combination that area piece catenary regards the groovy technology such as password algorithm, quits network, the fundamental innovation that realises area piece catenary adequately to wait for a respect in consensus mechanism and the imaginary space that its bring in the respect such as Internet of means of asset digitlization, cooperation, value.
