Recently,SINOMACH's first-chain financial service platform "SINOMACH e-Chain" and SUMEC's SRM system (Supplier Relationship Management System) officially completed the interconnection of data and businessTo achieve credible information exchange, the two parties can realize the automatic issuance, circulation, financing and other functions of electronic credit certificates.
According to the latest data, at present, 72 core member companies of SINOMACH Group have been on the chain, relying on the "SINOMACH e-chain" to provide more than 1,500 online financing services for nearly 500 upstream ** merchants, with a financing scale of more than 1.3 billion yuan and a debt certificate of more than 1.4 billion yuan.
Xiao Fu also notedRecently, the financial platform of China Railway ** Chain (China Railway e-Credit, Factoring Core Business System) and Zhongdeng Network have completed online dockingThrough the third-party API interface, the real-time registration, query, cancellation and other functions of the platform system business in the network are realized. After the platform system is connected with Zhongdeng.com, the manual operation error can be reduced by real-time synchronization of data, and the accuracy and integrity of the data can be effectively guaranteed. Functions such as registration and inquiry avoid repeated mortgage of accounts receivable, effectively prevent financial risks, and improve the risk control level of the platform system. At the same time, it can also reduce the workload of manual data entry and improve operational efficiency.
In addition,The "Rong e Financial" platform, built and operated by China Rongtong's financial company, has launched the "Rong e Xin" productAt the end of January this year, the core business system of the finance company successfully completed the clearing of the first batch of financial e-credit maturity funds on the group's ** chain financial platform, realizing the full automation of maturity clearing.
According to the statistics of small supply, more than half of the central enterprises that have launched the ** chain financial platform, and the digital accounts receivable credit certificate has become the cornerstone and mainstream product, including the State Power Investment "Ronghe Cloud Chain", China Power Construction "Power Construction Rongxin" and many other 100 billion platforms, dozens of 10 billion platforms. With the continuous constraints of application supervision, the further exploration of scenarios, the further enrichment of products, and the further enhancement of the awareness of service responsibilities and main businessesXiaofei noted that the digital credit certificate business of central enterprises is entering the second half of the "open and shared" platform development.
The first is to give full play to the function of product ownership confirmation and support the main responsibility and main business。Xiaofu believes that products such as electronic credit vouchers are the visual embodiment of accounts receivable, but the accounts receivable are reflected in the form of writing, specificity and standardizationIt has nothing to do with finance in essenceThe link that has a relationship with finance lies in the subsequent realization of financing based on accounts receivableAt this time, the qualified funds shall provide the accounts receivable creditor with the first accounts receivable financing. If the accounts receivable are transferred by the bank, it is factored by the bank; If the accounts receivable are transferred by a commercial factoring company, it is commercial factoring financing.
From this point of view, the small confession thinksThe first and greatest value of electronic credit certificates is the convenience of confirming rightsThrough online and digital methods, it is convenient to help core enterprises confirm the rights of accounts receivable to their merchants, and provide tools for convenient and low-cost financing for subsequent merchants. At present, most of the central enterprises are using such platforms to stimulate the convenient confirmation function of products by connecting with internal financial, treasury, settlement and other systems or data, so as to help the platform serve the main responsibility and main business.
The second is to open up the capital ecology and take the initiative to "financialize". Xiaofei noticed that the main funds of some central enterprise platforms have been transformed from their own factoring companies to external financial institutions, and the proportion of external funds of some platforms has far exceeded 50%. The operators of some platforms have also been changed from factoring companies to digital technology companies, which means "de-finance".
Take CCCC e-letter as an exampleSince its launch on May 27, 2022, the cumulative issuance scale of the platform has exceeded 15 billion yuan, and the cumulative financing has exceeded 12 billion yuan, and the platform has so far achieved connectivity with 14 commercial banks, of which more than 10 banks such as ICBC, Agricultural Bank of China, and Bank of Communications have achieved business implementation.
Taking Shougang Beijing Ticket as an example, on November 30, 2022, Shougang Group announced that Shougang Group's ** chain financial platform was officially launched and operated, and on the same day, Shougang Material and Trade Company issued the first "Shougang Beijing Ticket" on the Shougang ** Chain Financial Platform, with a face value of 20 million yuan. As of mid-July 2023, the scale of the platform has exceeded 5 billion yuan, and the platform has also realized direct connection with China CITIC Bank and completed online direct financing, laying the foundation of a "bank supermarket". February 29, 2024Shougang Gold Supply Platform, the first-chain financial platform under Shougang Group, has reached an online docking with China Construction Bank, successfully completed the first online direct financing business, that is, Shougang Beijing Bill financing loan issued by Shougang Construction.
Third, from strong confirmation to weak affirmation, the products are gradually enriched. Last year, China Merchants Leasing and China Merchants Group Bidding Center (hereinafter referred to as the "Bidding Center") reached a cooperation in the field of **chain finance and jointly released"Merchants Zhirong wins the bid".Products. It is understoodZhongbiaoying products are one of the product series of "Merchants Intelligent Finance".The product is based on the real procurement and bid-winning information on the electronic bidding and procurement trading platform of China Merchants GroupBy building customer portraits, we customize and develop data credit first-chain financial products
*:Merchants.
And"."Merchants and Intelligent Finance" products mainly focus on core enterprises and upstream and downstream ecological enterprisesIn view of the blocking points and pain points in the chain, through the integration of business flow, information flow, capital flow, logistics and other link data, it provides inclusive financial services for small and medium-sized enterprises in the scenario of weak right confirmation.
It is understood that after the release of the "China Merchants Zhirong Winning the Bid" product, the first business that cooperates with enterprises within the China Merchants Group can apply for financing without pledgeFrom application to disbursement, you can complete it as soon as T+0, and you will have the opportunity to enjoy exclusive discountsIt embodies the characteristics of "easy application, high amount, and fast loan". Relying on blockchain, artificial intelligence, big data, cloud computing and other technologies, the product realizes the comprehensive opening of the first-chain financial platform with the bidding platform and the funding system, and the whole process of financing customer acquisition, application processing, credit approval, and loan reconciliation is online, paperless, and intelligentAchieve "real data, real small and micro, real inclusive".
In March last year, Kunlun Digital Intelligence Technology Co., Ltd. (hereinafter referred to as "Kunlun Digital Intelligence") publicly released the digital ** chain financial service platform - "Kunlun Yirong". It is understoodKunlun Yirong is a digital first-chain financial service platform independently developed by Kunlun Digital Intelligence, a technology company authorized by PetroChinaIt is jointly operated with Kunpeng Quick Pay, a holding company owned by Kunlun Digital Intelligence.
At present, the platform has launched products such as ticket easy melting, account easy melting, credit easy rong and oil easy melting. At present, the Kunlun Yirong platform has joined forces with 11 banks, including ICBC, CCB, Shanghai Pudong Development Bank, Everbright Bank, and Bank of Kunlun, and the platform has strengthened the application of digital yuanAt present, the platform has received a credit line of about 45 billion yuan from various banks。Compared with other digital **chain financial platforms, the platform has:There is no need for core confirmation, one-point access to the whole country, and no need to change the original contract collection account
In June last year, Kunlun Yirong platform officially obtained the data authorization license of the group companyThe Kunlun Yirong platform may effectively promote the assetization, value, marketization and standardized development of PetroChina's data elements, and promote the deep integration of the new ecology of "industry, finance and technology".
*: Kunlun is easy to melt.
Kunlun Yirong is in accordance with the requirements of the "Guiding Opinions on Deepening the Integration of Industry and Finance of China National Petroleum Corporation".It also works closely with CNPC Finance Company and Ping An Bank on "bill financing" productsRelying on the strong commercial credit of PetroChina Bills, Ping An Bank has promoted Ping An Bank's innovative bill direct paste products, effectively improving the financing efficiency of customers in the industrial chain, and reducing operating costs and operational risks. Assist Bank of Kunlun to access the central bank's digital RMB operation system and carry out the construction of e-CNY basic payment capacity.
Small for learning,As of August 1, 2023, PetroChina's digital first-chain financial service platform, Kunlun Yirong Platform, has been promoted to nearly 1,000 enterprises, and has completed financing credit of more than 1 billion yuan
Fourth, digital intelligence technology empowers the energy efficiency of platform operations. Most platforms actively apply digital intelligence technology to improve the energy efficiency of platform empowerment, as an example of the above-mentioned China Railway **Chain Financial Platform, China Railway **Chain Financial Platform (China Railway e-Credit, Factoring Core Business System) and Zhongdeng Network to complete online docking, through the tripartite API interface, to achieve real-time registration, query, cancellation and other functions of the platform system business in Zhongdeng. After the platform system is connected with Zhongdeng.com, the manual operation error can be reduced by real-time synchronization of data, and the accuracy and integrity of the data can be effectively guaranteed.
Taking Power Construction Rongxin as an example, in terms of the innovative application of big data artificial intelligence, the platform combines NLP and contract text OCR technology to train the machine recognition and large language model of 5 years of massive contract data, and the platform has initially possessed the ability to identify and classify the contract content, realize the machine-assisted review function of key elements in the transfer stage of factoring business, and improve the efficiency and accuracy of manual document review.