The development of mobile Internet and digital technology has enabled financial services to limit the limitations of the entity outlets for the first time. The epidemic in 2020 has also enabled financial digitalization and digital transformation into many banks, insurance, consumption financial companies and other licensed institutions, providing more users with contactless financial services.
Among them, in addition to the technical iterations and optimization of the company's licensed institutions, technology companies, the role of Internet giants will not be ignored. In the guest, credit decision-making process, or in the foundation of financial cloud services, they and licensed agencies serve the financial better to the public, and better serve the small and medium-sized enterprises play an important role.
Cloud and chain
Digitally lay rail
In the process of improving efficiency, more users, the financial industry has been making good use of technology, and is willing to try cutting-edge technology. Nowadays, new technologies such as financial clouds and blockchains have now achieved great progress in improving business efficiency, improving user experience, improving business reliability.
In July of this year, Beijing Bank released the new mobile banking app "Beijing Life" based on Tencent Cloud Mobile Financial Development Platform, and the new app increased more than 60 functions and services, and more than 200 stock business processes were heavy. Structure, and optimize more than 2,000 operating interface experiences, which is the largest mobile bank iteration upgrade in the history of the history.
Tencent Cloud Mobile Financial Development Platform TMF is based on Tencent mobile Internet product development and mobile technology platform, which provides support and management of full life cycle to mobile financial applications, helping financial institutions low cost, efficiently Financial Services.
During the development, Tencent cloud TMF provides mobile client development components, H5 containers, grayscale release, hot updates, offline packages, etc., so that the development threshold for the bank's new APP has been greatly reduced, and the business is improved. Response and delivery capabilities.
The TMF platform is just a technical support for Tencent's financial industry. Tencent Financial Cloud is based on the understanding of financial business scenes, providing the financial industry with high concurrent data processing, massive data storage, high-frequency security attack prevention, etc., and uses artificial intelligence, big data, block chains, etc. Leading technology to create intelligence finance, help business reform and innovation, and help financial institutions to digital and upgrades.
At present, Tencent Cloud Service has exceeded 10,000 households, including more than 150 banks and dozens of insurance companies and securities companies.
Financial, ant groups, etc., launched updated iterations and adapt to the application of financial industries on the block chain.
Financial 壹 accounts with intelligent wind control technology, with block chain as the underlying technology platform, integrated enterprise business data, customs data, supply chain data, etc., and through artificial intelligence, large data, enhance the bank The ability to identify the style of the small and medium-sized micro enterprises.
At present, the block chain technology has been applied in the Tianjin District Block Chain Trade Network Platform, Guangdong SME Financing Platform.
Among them, Guangdong Province, medium and medium-sized platforms, accumulated 38,344 service enterprises, 347 financial institutions, issued 927 financial products, accumulating financing 1.4 billion yuan, especially in intelligent financing sections, accounts, household loans, only 220,000 yuan, It truly meets the business needs of many small and micro enterprises.
Ants Group launched "Double-link" to solve credit transfer problems in small and medium-sized micro business financing.
"Double-strand" is the ants group based on the supply chain technology development network. It will pay the core enterprises to confirm, flow, financing, clearing, etc. "upper chain", not only broadens the small and medium-sized enterprises The financing channel has also improved the efficiency of funding of core companies on the supply chain. It is currently available in cooperation with multiple banks such as Everbright Bank.
Technology and wind control
To support small and small speed
In expanding financial services, supporting the small and medium-sized sports, the number of small and medium-sized businesses, farmer banks, and private banks are the main army, but for these banks, they also have many levels such as talent, technology, wind control, marketing. It is impossible to compare with the big line, the joint-stock bank, the emergence of technology companies, to activate the potential of these banks, and expand financial services to provide a solid business support.
Shizuishan Bank is a small city commercial bank in the western part. In 2015, the line identified the road of digitized transformation. In the face of the hike of the Internet finance, the banking industry has widespread aimed to the direct bank, and Shizuishan Bank is no exception. But how long, they realized that they have obvious short boards in terms of guests, wind control and operations, and they must make breakthroughs as soon as possible, they must be with external force.
Since 2018, ant groups (ants) have been fully open, and push the joint loan model, which brings opportunities to small and medium-sized financial institutions, including Shizuishan Bank. The cooperation between Shizuishan Bank and Ant Golden Co., extends from consumer credit, extended to online business loans, Wang farmers and loans, and accumulates more than 2 billion yuan, serving nearly 700,000 customers.
According to the person in charge of Shizuishan Bank, the product, the loan interest rate is lower than other partners, and the loan interest rate is lower, and the quality of assets is better, and the business value and social value are taken into account.
Through the deep cooperation with antcomes, Shizuishan Bank has learned the experience of technical, wind control, and products, and gradually sedate its own ability.
Ping An Financial account will also provide business support to small banks in a similar way. For example, financial 壹 通 is "Intelligent Wind Control + Intelligent Marketing + Loan Integration" to provide credit approval system, intelligent wind control engine, data terminal board, wind control data inquiry, loan integrated machine, intelligent A complete set of solutions such as customer service, message cloud.
In terms of intelligent credit, this line has established a smart credit system brand "sunshine lurization", effectively uses large data cloud platforms, integrates artificial intelligence into traditional financial credit business, under the premise of user-reliance, via human face recognition, live detection , Speech recognition technology, multi-source information interleaving check, accurate matching customer identity; with knowledge map technology, pushing a scenario answers, targeted intelligent identity review; use microchemical technology, real-time monitoring and analysis of loan customer psychology.
Emerging technology company Song Shield Technology is also directed in this area.
In early July 2020, the same shield technology issued the independent consulting service brand Shuangdun Consultation, providing a variety of "core weapons" for the digital transformation of enterprise customers including banks, to deal with challenges from the industry.
Up to now, more than 10,000 enterprises have chosen products and services of the same shield, and the customer type covers the 22 types of industries, 118 subdivided areas.
The various projects implemented in the banking industry have achieved remarkable results: in the balance of a certain shareholding bank, the same-shielded anti-fraud strategy and model helped reduce 50% of fraud. Rate; in a city commercial credit card business, the same shield helped the bankers from 0 to 1 to the real-time approval process, alienating 50% pre-audit and 80% of the workload, and remained the risk level in continuous low.
360 Decisions make the full link of credit services as their own service goals. 360 college self-developed intelligent financial full link system covering Argus intelligent wind control engine, Cosmic Cube pricing engine, Cloud Bank decision system, RTA guest, intelligent voice robot matrix, etc. From the perspective of scale, 360 colleges have served as 142 million users to help financial institutions release credit 37.76 billion yuan.
As of the end of Juitine 2020, the number of partners of 360 colleges has increased to nearly 100, including state-owned banks, joint-stock banks, city commercial banks, licensed consumption financial companies, trust companies and other licensed institutions. Under the help of 360 years, the financial institutions collaborated with their cooperation have achieved 98% of fully automated approval. There have been many financial institutions to complete the construction of autonomous wind control under the technical support of 360 college, and implement the whole process of online credit business.
Xiaomi Finance is committed to integrating digital technology into industrial finance and empowering entities. The field of production is mainly for the intelligent manufacturing industry, which is designed to help small and medium-sized enterprises solve problems such as accounts receivable management, industrial upgrading, full scene funds. Through this platform, Xiaomi Financial on the one hand can solve the problem of SME financing problems, and on the other hand, it can help the small and medium-sized smart manufacturing enterprises achieved significance.
With a famous madness technology company with a family intelligent doorbell, in the early setting of the sales issue, the company is facing huge orders to be stretched in terms of funds. Xiaomi supply chain financial team, through data on the depth analysis of the madness supply chain, open the full chain supply chain information of the smart doorbell, including sales forecast, order situation, production cycle monitoring, etc., and restore operational status, competitive strength and main body Portrait of credit, eventually providing a complete supply chain financial solution for madview technology, and successfully helping it completes new product production. Today, with the supply chain financial services provided by Xiaomi Finance, madview quickly ranked among the head of the smart doorbell industry.
Up to now, Xiaomi Financial Minimal Digital Platform has achieved a Puxian financing over 60 billion yuan, thousands of small and medium-sized enterprises, and directly radiate customers. Among them, in 2019, financial institutions exceeded 30 billion yuan through the abundant digital platform, and it is expected that this figure will exceed 50 billion yuan in 2020.
Responsible Editor: PJ, Reading
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