【**Xi'an Net】
The goodwill chain service platform project developed by IB Digital Finance to enhance the financial service capabilities of long-tail inclusive customers is the focus of commercial banks. Small and micro enterprises have a great demand for financing, but they have been difficult to solve for a long time due to problems such as information asymmetry. "Goodwill" provides one-stop industrial finance digital solutions for group enterprises, and is a new channel for banks to acquire customers in batches.
The B2B payment transaction volume of enterprise groups is large, the cash management requirements are high, and unreasonable matching may cause a run on funds. "Goodwill" provides great convenience for the statistical analysis of enterprise business data, realizes the real-time control of the whole life cycle of the entire industry chain of B2B payment and settlement, and greatly reduces the cost of B2B payment and settlement of enterprise groups.
The problem of payment and settlement between enterprises is more directly reflected in the financing problem of enterprises at the end of the industrial chain. "Goodwill" can more effectively convey the high-quality credit of core enterprises, and provide an open financing environment by docking with the bill exchange, and more effectively transmit inclusive finance to enterprises at the end of the industrial chain.
The Bank's goodwill chain service platform incubated from 0 to 1 is directly connected to the Shanghai Bills Exchange's first-chain bill platform, and outputs scientific and technological solutions covering the whole process of the first-chain chain for core enterprises in order to jump out of the concept of running a bank. The "Goodwill" platform has an independent and complete enterprise management system, including enterprise invitation registration, identity authentication, account authentication and employee role assignmentIt covers all business scenarios of bills, supports equal differentiation of bill business products, and realizes one-stop handling of the whole process from information registration, acceptance, endorsement, pledge, guarantee, discount, recourse and bill settlementSupport the operation and management of the enterprise group's industrial chain bill behavior, provide customer management, quota management, bill management, operation management, user management, authority management, etc., and provide transaction data query and management services to realize the full life cycle management of the first chain bill business.
Editor: Qian Jiang.
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