? Idea+？ Platform economy era needs platform finance.
Under the catalysis of the Internet, more and more enterprises are rapidly transforming into e-commerce and platformization, showing the characteristics of multilateral subject, diversified channels, unbounded radius and unbounded transaction mode.
Focusing on the development trend of platform economy, Huaxia Bank started from the origin of bank payment intermediary and credit intermediary, and ranked first among its peers from 2065438 to September 2002. Platform finance? Business model: Internet is used to connect enterprise platform system, and information flow, logistics and capital flow are fully integrated. Based on the analysis and application of transaction information data, it provides comprehensive financial services such as online financing, cash management, inter-bank payment, fund settlement, fund supervision, etc. for platform customers and small and micro enterprises and individual customers in the system, and then embeds banking financial services into the whole daily operation process of enterprises to realize real-time interaction of enterprise management information, transaction information, settlement funds and credit funds.
At present,? Platform finance? The system has gradually matured, including payment financing system, comprehensive financial service system represented by online financing, payment settlement and cash management, and innovative bank-enterprise cooperation model.
? Technology+? : The payment financing system was upgraded to version 5.0.
As early as 2009, Huaxia Bank's small business franchise started from? Looking for sesame seeds on sesame cakes? Marketing strategy, according to? Precision marketing, platform docking, chain development? Based on the business development model, we developed an Internet-based payment financing system (CPM). Platform finance? Core technical support for business model establishment.
In July 2000, the 1.0 payment financing system was successfully tested in the civil aviation ticket business. In the following five years, from the needs of industry and business model, the system was continuously upgraded and improved: 20 12 years, versions 2.0 and 3.0 met the financial needs of downstream core enterprises and commodity trading platforms, and the whole process of online lending effectively eased small and micro enterprises? Financing is difficult and expensive? ; At the end of 20 12, version 3. 1 solved the third-party platform identity authentication and transaction signature, which laid a technical foundation for the innovation of bank-enterprise docking mode; Version 20 13, 3.2 supports inter-bank withdrawal, deposit, e-ticket business, online entrusted payment and other functions; 20 14 has released versions 4.0 and 4. 1 respectively, which supports online settlement and sale of foreign exchange, foreign exchange remittance, foreign currency online loan, online letter of credit opening and other functions; 2065438+March 2005, version 5.0 of the payment and financing system was launched, which supported inter-bank collection service, made foreign currency loan operation more convenient, and made customers' funds safer.
? Service+? : Aggregating Big Data to Create Cloud Services
Finance is service! With the support of the payment and financing system, Huaxia Bank's platform financial docking platform customers fully integrate real and effective transaction data and deepen the core services of the bank? Payment settlement and financing.
In the field of financing, the payment financing system is connected with the sales system, ERP system and supply management system of platform customers, and banks provide credit loans to online small and micro enterprises and self-employed individuals according to transaction data.
? Platform finance? The financing service has truly realized the online operation of customers. Online self-service operation of application, loan and repayment, with daily interest, reduces the actual capital use cost of enterprises by 30%-50% compared with the traditional repayment of principal and interest when due, and greatly relieves small and micro enterprises? Financing is difficult and expensive? .
Meanwhile, credit products are networked. According to the business models of different platforms, platform finance has launched eight online financing models, which are suitable for the upstream and downstream of supply chain, commodity/factor trading platform and POS online loan relying on POS transaction flow. At present, Huaxia Bank's small business service team is actively exploring online credit granting and online signing, and promoting banking service innovation with the help of Internet advantages.
In addition, platform finance supports opening accounts in different places and breaks through geographical restrictions with the help of ubiquitous networks. A little access, full coverage? Realize the mass marketing mode.
Do what? Small and medium financial service providers? , not? SME Lender? . Huaxia Bank has been committed to building a comprehensive financial service system for small and micro enterprises. Based on this? Platform finance? On the basis of financing business, vigorously develop payment business, support online charging, inter-bank payment, online reconciliation, batch print receipt and other functions, which can alleviate the problems of difficult payment by payers, difficult manual reconciliation by toll collectors and heavy workload of handwritten receipts.
Payment, settlement and financing? Platform finance? In the two wings, platform finance can also provide international business and e-ticket business for platform customers and small enterprises in the system, and can also provide wealth management services such as wealth management and funds in the future.
? Mode+? : joint harvest of banks and enterprises? By? affect
Service first, channel is king. Direct connection point by point between banks and enterprises? It's addition Point-line docking? Is the platform finance business of Multiplication Huaxia Bank a brand-new one? Interconnection mode? , with the third-party information service platform as the technical intermediary, to achieve different dimensions according to industry and platform type? Point opposite? Connect, so as to reap the rapid replication effect of power.
At present, platform finance has been connected to core enterprises, commodity trading platforms, e-commerce, market business circles, park cooperation platforms, guarantee institutions, microfinance companies, associations and chambers of commerce and other eight platform areas; Widely used in tourism, cultural creativity, air ticket agency, financial leasing, education and training, steel, agriculture, industry and other more than 20 pillar industries of economy and people's livelihood.
? Internet plus platform finance? The superposition effect of the plan has initially appeared: the latest data shows that up to now, there are nearly 400 online platform customers, serving more than 32,000 small business customers, doubling from the beginning of 2065, 438+05, and an average platform customer drives 82 small business customers. Since its establishment, it has accumulated more than 30,000 loans, amounting to more than 65.438+0.4 billion yuan, with an average loan of 480,000 yuan. The customer has made 40,000 repayments, amounting to110.20 billion yuan, with an average repayment of only 300,000 yuan; The cumulative number of transactions is close to 600,000, the transaction amount is close to 24 billion yuan, and the average transaction amount is only about 40,000 yuan.
Unique to platform finance? Small, fast and smart? Advantages greatly improve credit funds? Speed? According to statistics, 80% of the loans have a term of less than 3 months, and the average actual payment time is only 7 1 day. 95% of customers repay the loan in advance, and 80% of customers pay off the loan in advance, which really reduces the burden on small and micro enterprises and accelerates the real economy.
Under the impact of the Internet financial wave, Huaxia Bank? Platform finance? Gradually open up a beneficial path of win-win development, which is becoming the practice of Huaxia Bank? Small and medium financial service providers? Strategy, build? Huaxia service? An important measure of brand.
;