Industrial Digital Finance_Bank-Government Collaboration in Industrial Digital Finance

Industrial Digital Finance

The accelerating digital transformation of industries is intensifying competition within industrial finance. Relying on industrial ecosystems and using data from commerce, logistics, services, information, and capital as a foundation, financial institutions leverage digital technology to provide integrated digital financial services, achieving a multi-win scenario for industry, digital, and finance.

Relying on industrial ecosystems and using data from commerce, logistics, services, information, and capital as a foundation, financial institutions leverage digital technology to provide integrated digital financial services, achieving a multi-win scenario for industry, digital, and finance.

Industry Pain Points

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Information Asymmetry Between Banks and Enterprises

The primary reason for SME financing difficulties is information asymmetry. Financial institutions cannot promptly grasp the operational status of enterprises within the industrial ecosystem, leading to an inability, unwillingness, or reluctance to provide financial services.

Difficulty in Aggregating Industrial Data

The industrial ecosystem involves vast operational data from numerous enterprises. This data suffers from significant standardization differences, low quality, high complexity, and diversity, requiring specialized knowledge and skills for effective mining and utilization.

High Requirements for Privacy and Sharing

Industrial data involves sensitive information such as corporate privacy and trade secrets, which are critical to a company's survival and development. When promoting the circulation of industrial data value, ensuring data security and privacy protection is the foremost prerequisite.

Value Proposition

Promote Digital Financial Innovation

Based on data from industry & commerce, taxation, judiciary, and information from industrial activities like orders, trade, warehousing, and logistics, secure sharing is enabled through big data and AI technologies. This promotes innovation in digital financial products by institutions, such as tax loans, order financing, and accounts receivable factoring, enhancing their digital innovation capabilities.

Strengthen Industrial Finance Assessment

Leveraging industrial big data and cutting-edge technologies, it promotes the evolution of financial institution assessments from expert-based to digital and intelligent, from single-client focus to batch reviews based on customer rating classifications, and from examining corporate entity information to evaluating models, algorithms, and setting thresholds.

Enhance Financial Risk Monitoring

It utilizes transaction data within the supply chain system and external multi-dimensional data for cross-validation, jointly addressing risk monitoring and control for on-chain enterprises. Monitoring full-chain transaction data and efficiency helps manage industry-wide and cyclical risks.

Drive Financial Digital Transformation

It drives financial institutions from relationship-based lending towards transaction-based lending, and shifts corporate credit from interpersonal trust to digital trust. This extends financial services along the supply chain to upstream and downstream players, providing a viable solution for financing difficulties/costs for numerous SMEs on the chain and offering crucial support for supply and industrial chain stability.

Promote Digital Financial Innovation

Based on data from industry & commerce, taxation, judiciary, and information from industrial activities like orders, trade, warehousing, and logistics, secure sharing is enabled through big data and AI technologies. This promotes innovation in digital financial products by institutions, such as tax loans, order financing, and accounts receivable factoring, enhancing their digital innovation capabilities.

Strengthen Industrial Finance Assessment

Leveraging industrial big data and cutting-edge technologies, it promotes the evolution of financial institution assessments from expert-based to digital and intelligent, from single-client focus to batch reviews based on customer rating classifications, and from examining corporate entity information to evaluating models, algorithms, and setting thresholds.

Enhance Financial Risk Monitoring

It utilizes transaction data within the supply chain system and external multi-dimensional data for cross-validation, jointly addressing risk monitoring and control for on-chain enterprises. Monitoring full-chain transaction data and efficiency helps manage industry-wide and cyclical risks.

Drive Financial Digital Transformation

It drives financial institutions from relationship-based lending towards transaction-based lending, and shifts corporate credit from interpersonal trust to digital trust. This extends financial services along the supply chain to upstream and downstream players, providing a viable solution for financing difficulties/costs for numerous SMEs on the chain and offering crucial support for supply and industrial chain stability.

Solution Architecture

Customer Cases

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Pre-Approval Credit Model for Technology Innovation Enterprises

Targeting different development stages of tech enterprises, a multi-dimensional indicator model is established. Based on assessments of innovation capability and growth potential, a credit system for tech enterprises is built, providing them with credit enhancement services for financing. The "Tech-Score Loan" product has been adopted by dozens of banks, including ICBC, ABC, SPD Bank, and Bank of Hangzhou, enriching their digital finance product portfolios and fostering a positive environment where inclusive finance serves the real economy. To date, it has provided credit lines to over 500 benefiting small and medium-sized tech enterprises, with total credit exceeding 1 billion RMB.

Targeting different development stages of tech enterprises, a multi-dimensional indicator model is established. Based on assessments of innovation capability and growth potential, a credit system for tech enterprises is built, providing them with credit enhancement services for financing. The "Tech-Score Loan" product has been adopted by dozens of banks, including ICBC, ABC, SPD Bank, and Bank of Hangzhou, enriching their digital finance product portfolios and fostering a positive environment where inclusive finance serves the real economy. To date, it has provided credit lines to over 500 benefiting small and medium-sized tech enterprises, with total credit exceeding 1 billion RMB.