Attention " commerce comments on Cheng Jing " , ponder over fast person one pace!
The picture comes from " net of 100 million Europe "
"Industrial new opportunity "
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From essence of life customer service of accurate sale, intelligence, poor dissimilation fixes a price to accuse to intelligent wind, intelligent manage compensate, intelligence is urged close, computation of big data, cloud, artificial intelligence is mixed technology of area piece catenary is in from data layer, intelligence layer, product layer multidimensional spend the ground each link permeates the fractionize setting to financial domain and business chain, the moving efficiency of financial orgnaization rises greatly, financial service presents a setting to change increasingly, platform is changed, the development tide that intelligence turns.
Financial industry faces brand-new challenge and opportunity, how to hold financial science and technology to develop a tendency, will new science and technology and financial business are organic and shirt-sleeve, promote comprehensive strength and capability of innovation of science and technology, make the main task that at present financial orgnaization faces.
On November 30, finance of 100 million Europe sponsors " annual meeting of the person that 201.8 billion Europe innovates -- forum of the person that financial science and technology innovates " , invited bank, consumption financial firm, supply catenary finance to serve wind of company, industry capital, intelligence to accuse, company of science and technology of the innovation such as financial big data finance discusses wind of finance of superintendency science and technology, open bank, setting, big data to accuse jointly, the industry such as intellectual a collection of illustrative plates.
Suffer invite the honored guest that attends this peak to meet to have: Li Xiaodong of division of total framework of ministry of science and technology of information of bank of the people's livelihood, cheng Jingjia is in charge of copartner Zhao Jinwei into industrial Internet fund, brightness vacate finance of science and technology to carry out president Xie Yang, consume financial CTO Jiang Ning immediately, the capital that get is virgin copartner horse is peaceful, dimension gold author holds CEO Yu Jiang concurrently China, gold of 100 be in harmony takes vice-president Wang Zhengming, interpret language connects Yu Yang of CEO of Inc. of science and technology in, krypton believes excel in of copartner, vice-president, china achieve capital vice-president Yu Zhenbo, vice president of company of 100 million Europe holds You Tianyu of dean of wisdom library academy concurrently, partner of firm of 100 million Europe holds Liu Huan of financial channel chief editor concurrently, bao Chunmin of director of research of assistant of wisdom library of 100 million Europe.
On forum of the person that in Bencijin science and technology of be in harmony innovates, cheng Jingjia was in charge of copartner Zhao Jinwei to publish a problem to be into industrial Internet fund " new pattern, new technology brings industrial new opportunity to supply catenary finance " speech. He mentions:
◆ 1, the specific reality that is based on Chinese history development and economic progress, the fragment influences industrial majority market, not too much supply catenary finance.
◆ 2, industrial community is endowed with to little supplier through core business can, amass advanced position reversely again outstanding, have quality of ability of research and development, product the core business with manufacturing tall, high level, it is the road of the industrial conformity that has Chinese distinguishing feature. Ode can means includes a product to endow with can, client management ode can be endowed with with efficiency can, among them efficiency ode can be most industry platform the key of first consideration. Finance is efficiency ode can in most core, indispensable ode hotshot paragraph.
◆ 3, platform of all directions is OK outside solving, unripe risk, main body risk is mixed inside unripe risk, the breakthrough supplies the characteristic that catenary finance can apply in small market only, create great market opportunity.
◆ 4, the industry organizes a structure 3 it is road of industrial Internet, industry by implement, industrial community, by platform of all directions help does corresponding wind to accuse, make sure the industry deals each data of platform is accurate without by accident, to receiving financial orgnaization.
◆ 5, road of industrial community, industry by implement can reform those who make prospective industry to reframe around supply side truly, realize the efficient movement of prospective industry.
It is shorthand of speech of Zhao Jinwei spot below:
Everybody good afternoon! Very glad to can be shared with everybody in the assembly room of 100 million Europe be opposite as industrial investor a few views that supply catenary finance.
Platform of industry of my focusing B2B has a lot of years, but did not make too much a few investment all the time. We think the mode of original a few B2B suits whole industry not quite change. But begin from last year, I am main platform of All In industry, endow with through considering to transform to the industry can each industry.
Below the research fruit that I share me simply:
Supply catenary finance and industrial organization structure to having the concern of countless ties. Original industrial form more is industrial gather, be together a lot of plants that have same function or agency gather, perhaps put the research organization that has same theme together.
Below this kind of circumstance, supply catenary finance opposite tradition, through mortgage or assuring tangible and intangible assets begin financial professional work. The question with this kind of the biggest kind is to accept numerous scale small, risk is big, the big company that enlists accordingly is little. Although some enterprises are done big, also be the means that mortgages through asset, obtain corresponding financing to expand business.
To 2 phase, "Industrial group " 1+N mode came out. Corresponding garden is done around a place downstream on industrial group divisional cloth, swim around fluctuation do corresponding follow-up to supply catenary finance.
In this process, the credence of core business is the ground floor of financial business, do corresponding supply catenary finance. Itself of this kind of business is safer, but its problem depends on covering a range small, core business swims with fluctuation collaboration, the market share that covers an industry 10% the left and right sides. Each fluctuation swims in the process that the company deals with core business, trade the forehead also has 10% to arrive only 20% , because upriver supplier, downstream agency is possible,making other product at the same time. At this moment, the data that core business can obtain one fraction only, will do inside certain limits supply catenary finance.
Reality is business of 80% above core was not being done supply catenary finance, the reason such as concept and technology brings about them to do not have large-scale begin fluctuation to swim supply catenary banking business. We also invested a few supply catenary banking firm, advocate if domestic little some is had,be opposite fair go up to illicit, all fronts before borrowing, the financial wind that borrows the medium, whole wind after borrowing to accuse a model accuses platform. Investing amount is 150 much, help bank butt joint gives financial intermediary orgnaization and core big company, the financial wind that lets core big company have bank level controls a system, endow with to them can, build quickly whole the financial model that supplies catenary wind to accuse, begin professional work. This is the current situation that in 2 timeses we see around the mode of 1+N in core business.
Now, in process of investment of whole industry Internet, another pattern appeared. Below conventional case, general component is perpendicular industry upper reaches, middle reaches and downstream. But no matter how perpendicular industry changes, regular meeting is in business of core of upper reaches, middle reaches, downstream existence. These core businesses occupy market share to be in about 10% to 30% . In condition of traditional line of business, core business has appeal power in perpendicular domain, integrated fluctuation swims loot market share.
However complete fragment influences bigger market: Have many agency downstream, upper reaches has many plant, middle reaches has many middleman. The existence that this kind of fragment changes, it is the specific reality that is based on Chinese history development and economic progress. In such market, the enterprise is malign compete, also do not have too much supply catenary finance, have the tray business of a few spare partses however. These tray business are very familiar to the industry, dare to begin capital professional work.
Does the market future that the fragment turns have changing opportunity? Industrial conformity perhaps says supply side structure is a trend, company of many the production that do not have fine and chamber of commerce of the distribute that do not have fine are washed out slowly. The United States undertakes conformity through buying the tide, measure that adopts capital 5 times, but the conformity that finishs whole industry chain very hard through capital measure in China.
Be in China, a kind of configuration appeared. Core business passes gather the order putting an amount of downstream and high grade small agency, endow with to small agency can, amass advanced position reversely again outstanding, have quality of ability of research and development, product the company with manufacturing tall, high level undertakes a butt joint, formed true industrial platform. Platform of this kind of industry calls an industry the road by implement, also call an industry community, it is the road of the industrial conformity that has Chinese distinguishing feature.
Downstream core business has camp on, the interest won't agree completely. Small agency does not have upper reaches, middle reaches, downstream camp basically, consistent external, the product that offers check of quick high quality, low for the consumer on the market serves (C2M) . This is upgrade in consumption of configuration of organization of the industry in times and industrial times change. This kind changes is relations of production change, meet those who form productivity change certainly. This kind of platform has stronger vitality, larger market share is held in market within. "711 " use this kind of model namely. Be in Japan, "711 " have many 60 thousand store, upper reaches has hundreds of plants, very large proportion was held in retail market. It does not control store join in cost, offer value to these inn instead system of research and development of 30 billion RMB, enhance the product business ability of shop.
The ode of this kind of mode can include 3 fields:
? It is product ode can. Core business is offerred to small agency a lot of do not have forestall sex and the product that can replace a gender. Product ode can be in a few specific industries may establish; But in more industry, the product endows with very can difficult implementation.
? 2 it is client management ode can. Around the user of small agency, offer " achieve greater " service. The client manages an ode can extend speed the meeting is slower.
? 3 it is efficiency ode can. Efficiency ode can be to be based on information and data, content shedding, business shedding, finance to wait, will undertake endowing with can, make small agency can realize income to increase quickly 3 times, cost decreases 30% , have enough to meet need raises 3 times. Efficiency ode can be most industry platform the key of first consideration. Endow with hotshot through this kind paragraph, choose high grade small agency quickly, join together. Finance is efficiency ode can in most core, indispensable ode hotshot paragraph. Finance cannot leave capital shedding, content shedding, iformation flow, business to flow, no matter platform is,be being endowed with with finance at the beginning still can be later reoccupy finance is endowed with can, final and sure meeting walks along finance to endow with can this road.
Final the ode of these 3 respects can form an ode together repeatedly can flywheel, help excellent small agency progress expand, form industrial community.
There is the opportunity that supplies catenary finance be born in industrial community. Adopt industrial platform, built an entire cable length to swim up and down the technical platform of many pairs of much industry catenary, each small agency carries this platform replenish onr's stock, to receiving the supplier of the different product with many upper reaches and manufacturer.
This platform is the platform of a foundation, it is platform of all directions. Adopt this kind of platform, join the service orgnaization of the tripartite in downstream, upper reaches and industrial catenary, include content to spread service business, capital the service trade that goods of business of square, imports and exports, end handles. Platform of all directions solves existing problem around industrial structure truly. Every industry did not realize efficient movement, put in a large number of opportunities. Adopt the solution form of industrial catenary, discover the small effect link in chain undertakes reframing, those who realize industrial platform is efficient run. Reframe the process means the service that serves as tripartite square decision-making side key can differ somewhat, some services chamber of commerce by dry, some services chamber of commerce is done do greatly strong. In the capital that serves as tripartite square, will tell to orgnaization of bank, finance, can do more greatly in this process, grab more cake. This is the concept of all directions.
Other one party is independent character. It earns money without the hope through supplying catenary finance, because supply catenary finance,will earn money this thing is a bogus proposition. If you make self-supporting case below, appear on the market in home have very great flaw. In the word on home, can be card inspect done how does Wu do business of appraisal finance oneself when examining and approve? Without doubt the company that it cannot appear on the market namely. Below this kind of circumstance all directions has independent character, traditional supply catenary finance involves two collusion between, involve the issue of popular feeling, he can have this kind of impulse and desire to get fund certainly square corresponding capital, produce bigger potential risk thereby. And more of platform of this kind of industry is supply catenary finance to serve as an infrastructure to be inside, go be being endowed with for both sides can, the service that supplies catenary finance through this kind without the hope scores the gain of high specified number, it has very strong independent character.
Another will tell, regard all directions as platform, it not store up goods, goods is in tripartite, money is in capital square. Below this kind of circumstance, implementation it compares indifferent, independent character relatively. And traditional supply catenary finance is nonexistent all directions, put in the potential risk with very big move.
That adopts this kind of platform, can realize appraise to must allow truly, look so that live, sell so that drop. Because trade in great quantities to be in everyday,happen, of the price fluctuant can be aware of everyday, the bottom line of whole smooth storehouse you are very clear also.
The 2nd look so that live, all passing the system joined each goods, core business looks so that live.
The 3rd sell so that drop, will tell to the storehouse, so when financial orgnaization most headaching problem is each perpendicular enterprise I not quite understand, once appear,these goods do not have circumstance of break a contact method processing. And had platform of all directions, itself is an upper reaches and downstream get through, can come true truly sell so that drop, it provides service function.
That looks from product level angle, evaluate from the identifying before borrowing, examination in borrowing, risk, the management after borrowing and deal with, subsequently outspread system of sheet of flow of the constituent structure that come out, business, watch, data and IT is waited a moment, can do corresponding specific design around particular specific product.
Realize this 4 individual character, all of us knows to supply catenary finance, the gender is operated below the line on countervail sex, line oneself, close model, specific sex, can chain these thing firmly.
Solve 3 kinds of big risks finally:
One is outside unripe risk, include a product all sorts of systems of whole framework, the metabolic trend of whole market. Unripe risk can in time be felt outside, it is equivalent to the price index of fractionize industry. Have any activity downstream, the client has any change, the wave motion of demand, size, can mirror very quickly supply chain above. And before accomplish very hard.
The 2nd is main body risk, through outstanding to choosing agency, choose outstanding vendor, solved the one part venture of whole main body on one hand, pass its whole daily trading big data likewise, with respect to the management circumstance that can master this enterprise, can do the identifying of corresponding main body risk thereby. In the respect to goods, because have storehouse, rich, both undertake monitoring, among the process that if loan principal part is being done,supplies catenary finance to superintend, he does not take or to arrive, he does not take or money, he covers Qian Wanfa truly without method implementation. Money and goods are detached, square to capital also be same, the or on capital square hand controls money, or controls fund. Platform of all directions is an information platform only, the fund that follows you next just does a butt joint, get through. And below this kind of circumstance, opposite meeting is safer.
The 3rd is inside unripe risk, be its independent character reflect. This is to solve danger of this 3 gale, can come true finally supply catenary finance breakthrough to be in so a very small market inside goes applying, and real ground comes out a great opportunity, give our finance orgnaization to participate in go in, can acquire larger market share. We above if saying a tiger, that future can have countless ant group can be in industrial catenary within holds larger market share, the market that its market may compare core business will be a lot of times bigger.
We see it again the flow of whole design, around the new technology that a move in chess or a movement in wushu occupies, because my theme is new pattern, new technology, will look around move new technology, we divide two paragraphs, be data together collect, memory, it is above this foundation platform, iformation flow and business flow, have electronic contract, have the application of area piece catenary. In content shedding the respect has corresponding content to shed software, still have the facility of a few digitlization, include sensor, facility for transporting, unmanned equipment to wait a moment, the information that includes chip to wait these digitlization a moment gathers facility, can go to those who receive data be opposite collect, can realize data true without collect by accident come up. Face of the 3rd somebody identifies, seal nucleus check. Actually these technologies can come out likely, those who realize data is true and effective without by accident.
Around move capital flows, we look get some enterprises being had been being done is present close accordingly pay, settle accounts, liquidation, group pays etc such a few platform are doing such business.
Occupy analysis and application around a move in chess or a movement in wushu, we also see a little new technology is inside, basically be today we at the beginning a paragraph that, around move intelligent wind accuses, around the application of move big data, artificial intelligence. Our perpendicular industry did not have method big data in the past, because big data is on paper, it is above the table of our statistic bureau, it reflects the data of this industry dynamicly without real time. Having way of this industry platform, industry really by implement later, real big data can come out, meet the AI with can offer corresponding comparison good the foundation of artificial intelligence, do relevant big data to analyse a model. In including to borrow, after borrowing, also be same. I believe this is to be in what future exists to supply catenary finance within the setting of the application of a few good technologies, organic also meeting can gain the favour of investor, obtain rapidder development.
So we are summed up, in front two constituent pattern that we saw an industry, from 1 to 2. We believe 3 be in namely road of industrial Internet, industry by implement, industrial community, although it also is upriver N+1+N, but the N that its N is more than commodity far, be more than the N of core business, its more belongs to assistance of platform of all directions to do corresponding wind to accuse, the whole industry that provides it deals platform within each data is accurate without by accident, the butt joint gives finance the orgnaization.
Of course the limitation that it has it, because supply catenary finance itself the attribute of its a few finance, in this inside the biggest player basically is a few big finance orgnaizations, state-owned financial orgnaization. After state-owned financial orgnaization is sharing platform of all directions, it has add up to a few requirements of compasses. A moment ago Li Zong also is mentioned, itself is in really around move among the process of the be mixed of industrial interconnection and financial cloud, it is existing such something needs to break, need goes exploring. This respect policy is a very strong limitation really, it is not to allow a few state-owned finance orgnaizations to make corresponding trade, because you want a breakthrough, breakthrough itself still has commerce sex, this respect also needs regular method to do a few avoid.
The core that existing letter judges is credit. Credit and assets will do corresponding supply catenary finance. And itself we around move industrial Internet this big platform, more be around setting finance, movable finance, doing corresponding risk to evaluate. This kind of model below the model that this kind of risk evaluates and traditional financial system, have very big distinction. This respect also needs to have more exploration, go breaking such border.
Do we see such platform is had? We see had emerged in endlessly rise. Collecting understand is a company that we join, just be in I attended a news briefing April this year, took the 4.5 billion financing in A. It is endowed with downstream can small shop run by couple of electric equipment of 80 thousand countries, very fine perpendicular domain, upper reaches is right received plant of hundreds of electric equipment, formed industrial community finally, heavy pound was cast in A 4.5 billion to it. We see the market that fragment of each two sides influences, namely 70% change the market to the opportunity produces a tremendous Alibaba to the fragment of 80% . This kind of platform its trade dimensions is thousands of 100 million, the dimensions of on -727379968, resemble collecting understand to go year of trading of the bottom dimensions exceeded -1863462912, two years of short time.
We see here had appeared emerge in endlessly such platform, it is not simple B2B platform, it is road of industrial community, industry by implement, go to those who make prospective industry reframing around supply side reform truly, realize the efficient movement of prospective industry.
This is me share, thank everybody!
