For treatment, data is medicine - discover real-time data and adjust credit strategies in real time according to the operating conditions of small and micro enterprises, in order to penetrate into small and micro finance without being hurt by high risks. Financial institutions know and explore this road. From the data level, there are mainly the following dimensions: industrial chain data, government affairs data, and endogenous data of financial institutions.
Industry chain data Based on industry chain data, the evolution and innovation of supply chain finance is derived. In supply chain telemarketing list finance, financial institutions realize risk pricing and dispersion based on the control of information flow, capital flow and logistics. In the early days, supply chain finance still relied on the guarantee of core enterprises and the pledge of accounts receivable. In recent years, with the application of new technologies such as the Internet of Things, especially the Internet of Things, supply chain finance has a new way of playing. One is the rise of the platform model. Taking e-commerce (including B2C platform and B2B platform) as a typical representative, it has a comprehensive grasp of business data, regional distribution, seasonal business characteristics, account period and payment method and other information, can predict financing needs before lending, and can automatically monitor risks after lending.
Solve the financing problems of small and micro enterprises. The second is the rise of the SaaS model. Under the tide of digitalization telemarketing list of small and micro finance, ERP, SaaS and various data software companies that serve the daily operation of enterprises also enter the supply chain financial business by virtue of their mastery of information flow. The third is the awakening of things in the industrial chain brought about by the Internet of Things. Through the Internet of Things technology, the identification and perception of items, location positioning and tracking monitoring can be realized. Financial institutions can control the business activities of enterprises in real time, monitor the latest status of collaterals.