Promote the construction of digital business and digital economy ecology
The acceleration of the digital business ecosystem and the continuous release of data value will better promote the construction of a multi-level data element market and help the digital economy flourish.
According to the authoritative explanation of the National Data Bureau, digital merchants are enterprises with data as the key element of production and operation. In the process of promoting the market-oriented allocation of data elements, digital quotient is an important part of the data industry and plays a key role in revitalizing the value of data elements. The development of the digital business ecosystem provides a basic force for data transactions and helps accelerate the cultivation of the data element market.
On February 21, 2024, Xinling Chain Finance (Guangdong)**hereinafter referred to as "Xinling Finance") passed the official audit of the Shanghai Data Exchange, was awarded the "Data Product Development Service Provider" digital business qualification certification, and joined the digital business ecological service platform, namely the "China Data Market Service Provider System", actively participated in data element market transactions, and provided professional data product development services.
Under the digital economy ecological strategy, Leader Financial actively expands data application scenarios, pays attention to the pain points of small, medium and micro enterprises and small and medium-sized financial institutions in industrial clusters, develops and designs a multi-dimensional digital risk control identification system, builds a characteristic risk control strategy for small, medium and micro enterprises, and further promotes the construction of digital business ecology and digital economy ecology.
Create a digital risk control system empowered by technology
While promoting the rapid development of the industry, the digital economy also provides strategic guidance for the financial industry to think about how to innovate the first-chain financial service model, respond to the national goal of "expanding domestic demand", and serve the development of the real economy.
Leader Financial actively expands data application scenarios, focuses on the pain points of small, medium and micro enterprises and small and medium-sized financial institutions in industrial clusters, and develops and designs a multi-dimensional digital risk control and identification system.
From the early contact with customers, to the investigation, review and approval of credit, the issuance of loans, post-loan maintenance, management and loan management, etc., all of which are combined with standardized procedures and systems and standardized management, the whole process is standardized to achieve the standardized operation process of the whole process as much as possible. In this way, it can improve the efficiency of customer acquisition and reduce the cost of risk control for small and medium-sized financial institutions.
Accelerate the construction of digital risk control and digital economy ecosystem
According to the needs of target customer groups and small and medium-sized financial institutions, Trustleader Financial starts from the formulation of tripartite data source evaluation access strategy, whitelist strategy, blacklist strategy, rule threshold setting, strategy adjustment for the decline of pass rate, strategy adjustment for the increase of overdue rate, credit long strategy, and strategy application of scoring, etc., and at the same time combines the credit information of enterprises, shareholders, actual controllers and their immediate family members to build a characteristic risk control strategy for small and medium-sized enterprises.
Continuously optimize and adjust the risk control strategy according to the characteristics of the industry scenario, so that financial institutions can achieve a balance faster in the process of risk and return, and help small and medium-sized financial institutions reduce risk control costs, improve team productivity, and break through development bottlenecks.
Technical logic structure diagram of digital risk control system for small, medium and micro enterprises).
Trustleader Financial actively promotes the ecological construction of the digital economy, links the construction of the digital asset market, and gradually forms a digital asset payment application ecosystem. It is a beneficial innovation to combine the digital economy with the real economy by combining digital transformation with the industrial chain scenario and the consumer market, activating the stock assets and property rights of the "original property rights holders" and reducing financial costs, while expanding domestic demand and promoting consumption.