The bank accelerates the layout of the big Data blue sea shock front supply chain finance

With the rise of internet finance, banks are gradually feeling the pressure of financial media from the advent of the big data age, and they are also aware of the strong competitiveness of digging up data.

In the era of large data, some traditional banking business has been given new connotation, traditional business model is also constantly innovation, the bank's service object and the pattern of business is also taking place profound changes. China Securities News reporter learned that domestic commercial banks this year is in full swing to speed up the layout of large data blue sea, has launched a variety of business online platform. In some areas of business, the rivalry between banks has been so smoky.

Guild Wars: Online Supply chain finance

As the supply chain http://www.aliyun.com/zixun/aggregation/6343.html "> Financial business is more dependent on the information flow of the upstream and downstream enterprises in the supply chain, it becomes a" battleground "in the era of large bank layout data. China Securities News reporter learned that a number of banks are currently moving supply chain finance business from the "offline" to "online."

At the end of last year, Ping An bank (000001, shares) announced the launch of the "Supply Chain Finance 2.0" system, the "online" supply chain finance further upgrade. The system covers prepaid online financing, inventory online financing, online reverse factoring, electronic warehouse single pledge online financing, core enterprise Synergy, value-added information service, company Gold defender and other products. Through these products, enterprises can complete contract signing, financing applications, collateral online warehousing, inventory management, money redemption and other business.

In the three quarter of this year, CMB also launched the "intelligent supply chain financial platform." Information on orders, accounts receivable, inventory and transportation warehousing of the upstream and downstream enterprises in the supply chain can be categorized and transferred to the required supply chain parties through the platform. The bank can automatically identify and control credit risk through real-time analysis of the amount of information, transaction information, capital information, logistics information and other data. Customers can be online at any time to calculate the current amount of loans can be applied in the bank, self-help financing application, platform online automatic approval, real-time lending.

The reporter learned that, in addition to peace, CMB, People's livelihood, Citic, Everbright, Societe Generale and other banks in the field of supply chain finance. The role of the client manager is gradually fading out of the supply chain financial business and replaced by an online intelligent system.

A retail department of the Bank said that the development of online supply chain system is expected to significantly improve the efficiency of business management and significantly reduce operating costs. In the past some business that needs to run for a day to a few days, now through the online system can be done in a few seconds.

The online supply-chain financial system also helps reduce the financing threshold for small businesses: "There is a large number of frequent, small-scale orders in the supply chain business area," the source said. In the traditional supply chain business model, these leaflets because the cost of manual processing is too high, so it is difficult to obtain bank financing support. The launch of the online platform completely break through this bottleneck, the use of on-line electronic automatic processing technology, reducing the bank's original supply chain financing threshold, so that more customers can obtain bank financing support. ”

Internet and financial integration

The reporter learned that the bank of 5 years ago began to implement large data, hoping to make customers and account managers can have a more accurate understanding. However, Hu Yu, general manager of the new retail Department of CMB, said recently that the banks still had a big gap compared with the internet companies.

"Because our Account manager can make up for the lack of data. The Internet enterprises do not have customer managers, no service personnel, can only rely on data recognition. We think the latter is a more scalable, standardised and low-cost way for banks to come this far. "Hu Yu said.

Zhao Jicheng, vice president of Ping An bank, believes that internet companies are also facing some limitations in finance, network tools can not replace non-standard products, network financial services and boundaries have certain limitations.

Zhao inherited that the future of the Internet and financial trends must be integrated, do not take the road of integration, pure Internet technology to run finance is also difficult to succeed; financial enterprises will be eliminated if they do not use the Internet technology to arm and change themselves.