to support the real economy and support small and micro enterprises, we need not only to broaden the financing channels for small and micro enterprises, but also to use new financial technology means to improve the efficiency of serving small and micro enterprises, expand the scope of services, reduce service costs, and provide real financial services for small and micro enterprises that are both universal and beneficial. with the gradual penetration of internet subjects into the whole chain and life cycle of enterprises and industries in china, the internet age of consumption is moving towards an industrial internet age based on the online and integrating various offline industries. as a focus on individual small bank online trading service, the state bank always focus on industry ecosystem, helping small micro enterprise development, with the help of the internet of things, chain blocks, cloud computing, big data, artificial intelligence and other advanced technology, relying on financial services, industrial ecosystem to carry out the supply chain for the small micro enterprise provide digital, scene, online pratt & financial services, effectively support the development of the real economy.
digital drive reduces cost and increases efficiency
at present, in the field of consumer credit, various financial institutions have used big data, cloud computing, machine learning and other technologies to conduct risk pricing, providing inclusive financial services for the vast number of individual consumers. micro and small enterprises financial services has always faced with financing difficulties, financing your plight, the small micro enterprise management informationization level is low for a long time, lack of necessary data to precipitate, financing needs are difficult to standardize, various types of financial institutions in the traditional way is difficult to identify small micro enterprise credit risk, offering solutions to small micro enterprises (financial services, banks and other financial institutions can't borrow, unwilling to borrow. therefore, to solve the problem of difficult and expensive financing for small and micro enterprises, it is necessary to build a digital-driven operation system to solve the information asymmetry between banks and enterprises.
first, build a digital operations team. as a transaction bank operating in the internet mode, zhongbang bank has been focusing on digital construction since its establishment. more than 60% of its employees are big data and technology r&d talents. in order to ensure the digital product driven by rapid iteration, business characteristics such as high concurrency, the state bank in research and development level of science and technology put forward the construction of "four modernizations", namely the project agile, product standardization and modularization, business architecture platform, and original agile working group - "star" mechanism, give full play to the advantages of the private bank organization flexibility, decision-making chain short, security product development, business docking work such as quickly and smoothly.
secondly, real, comprehensive and accurate management data of small and micro enterprises should be obtained. relying on industry ecosystem supply chain system, the state bank use block chain distributed books encryption, intelligent security contract, tamper-proof, traceability features, as well as the internet of things intelligent supervision, smart tags, information technology, such as small micro enterprise daily operation data, realize the business flow, logistics, cash flow and information flow fourth-rate one, closed loop form data. meanwhile, b2b e-commerce service platform is used to improve the digital operation level of small and micro enterprises, providing data support for zhongbang bank's risk identification and risk pricing.
finally, by relying on the risk control of big data, the operation cost of small and micro enterprises can be reduced and the service efficiency can be improved. with the help of internet of things, artificial intelligence, block chain, big data, cloud computing and other technologies, the intelligent risk control platform independently built by zhongbang bank -- "yitian" -- has realized the comprehensive digitization from credit application to post-loan management. "yitian" carries out credit scoring and credit granting approval for users based on 100 digital models and 6000 data dimensions, which greatly reduces the cost of credit application for users and allows more data to go out of the way while users do not.
open connections are plug and play
"banking services are everywhere, but not at bank branches," says brett king in bank4.0. for zhongbang, where there is trading, there is zhongbang. therefore, zhongbang bank is committed to "two changes", that is, the service group changes from customers to users, and the service mode changes from selling products to integrating into the scene. in order to better serve the supply chain transaction scenarios of industrial ecology, zhongbang banking system architecture abandons the ioe architecture of traditional banks and establishes a dual-core system of "traditional core internet core". it not only meets the basic financial service needs of the bank, but also can quickly realize the connection with the transaction scene and output the financial service ability.
the state banks launch in central china's first open innovation, build b2b2c open financial services platform, on the premise of guarantee the information security, will complete a comprehensive financial service ability to seamlessly integrated into the industrial ecological application scenario, through a building component type, application of modular technology products, implement "plug and play", fu can partner quickly.
at the same time, the state bank launched "financial output of e zhang tong" system platform, open account with the bank e class i and class ii, connect the business and the scene, and integrate credit products, form a standardized output of product, efficient cooperation enterprise and its upstream and downstream industry chain, through trading service function on the whole industry chain, effective touch to the whole chain of supply chain of micro, small and medium enterprises, the bank "in" scenario.
up to now, zhongbang bank has completed the connection to dozens of internet b2b scenario platforms and exported financial service capabilities.
relying on ecology to endow small and micro
supply chain finance is the best combination of industry and finance, and the best entry point for zhongbang bank to use new technology to serve the industrial ecosystem. as we all know, small and micro enterprises generally carry out production and operation around the industrial chain of large enterprises, and most of their capital needs come from receivables and prepayments. supply chain finance itself is a mode of capital flow financing around core enterprises or platforms, which naturally fits the top-level structure of "financial service real economy". however, in the actual operation, there will be problems such as the failure of effective transmission of credit of core enterprises and the difficulty of trade financing of non-core enterprises in the industrial chain. for example, traditional commercial banks rely on core enterprise guarantees to radiate the first and second circles of the upstream and downstream of the industrial chain, and it is difficult to radiate to the third and lower circles.
relying on the advantages of shareholders and based on the underlying technologies of block chain and internet of things, zhongbang bank has built a "n 1 n" credit financing model around the upstream and downstream of the supply chain, and launched a comprehensive supply chain financial product "crowd-chain loan". at present, it has made a beneficial exploration on the "cocoon silk" project with china agricultural network.
in the traditional cocoon silk industry supply chain, cocoon farmers at the bottom of the supply chain usually have to endure payment days for several months or even half a year, which virtually increases the financial pressure of cocoon farmers engaged in cocoon silk production and hinders the improvement of the efficiency of the whole industry.
in this mode, each cocoon farmer has an ic card, which can record the address, labor, mulberry leaf area and silkworm room area of each cocoon farmer, as well as the number, grade, price and transaction amount of cocoons sold each time. cocoon users with ic card to cocoon station to complete cocoon silk trading, and through the ic card will be related to the data transmission to the nongwang background, at the same time was identified by the silkworm cocoon will enter the nongwang regulatory warehouse. relying on the complete data provided by china agricultural network and the guarantee of dynamic supervision of materials, zhongbang bank provides financing for cocoon silk purchasers and directly transfers the purchase payment into the cocoon farmers bank account corresponding to ic card. the payment days of cocoon farmers has been changed from six months to two hours.
the "crowd-chain loan" model, which can be promoted, copied and low-cost, enables the financial services of zhongbang bank to cover the third or even the fourth layer of the upstream and downstream of the industrial ecological supply chain, effectively reducing the overall operation cost of the industrial ecology and improving the operation efficiency.
the state banks relying on industrial ecological supply chain, through the online, real-time digital operation mode through small micro enterprises "last minute" pratt & financial services, effectively solves the small micro enterprise financing difficulties, financing problems, in terms of support the development of the real economy, created the private banks rely on small micro enterprise of industrial ecosystem services supply chain precedent.
source: international daily