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應(yīng)用人工智能、區(qū)塊鏈、云計算、大數(shù)據(jù)等創(chuàng)新技術(shù)構(gòu)建易融云供應(yīng)鏈金融平臺,提供信用驅(qū)動供應(yīng)鏈金融產(chǎn)品—E信通和數(shù)據(jù)驅(qū)動供應(yīng)鏈金融產(chǎn)品—E保理,以場景化、數(shù)字化、智能化的創(chuàng)新業(yè)務(wù)模式服務(wù)核心企業(yè)及其上下游產(chǎn)融協(xié)同生態(tài)圈,打造產(chǎn)業(yè)、資金和資源的超級鏈接器,實現(xiàn)產(chǎn)業(yè)鏈資金和資產(chǎn)的高效對接。
核心企業(yè)業(yè)務(wù)系統(tǒng)直連取數(shù),為貿(mào)易背景提供權(quán)威數(shù)據(jù)佐證,以確真取代確權(quán),在風(fēng)險可控的前提下為金融產(chǎn)品創(chuàng)新提供更多可能性,幫助供應(yīng)商獲取低成本融資。
系統(tǒng)數(shù)據(jù)直連可結(jié)合風(fēng)控建模能力,使貸前風(fēng)險審查更快捷、精確;可實現(xiàn)密度更高、人力成本更低的貸后管理,高頻數(shù)據(jù)采集的能力可實現(xiàn)更及時的風(fēng)險監(jiān)測預(yù)警。
通暢的核心企業(yè)信用傳導(dǎo)鏈路,有助于各級供應(yīng)商基于核心企業(yè)信用實現(xiàn)融資,提高供應(yīng)商對核心企業(yè)的粘性,擴大核心企業(yè)在市場的影響力。
基于易融云產(chǎn)品體系,中國東信為廣西路橋搭建了供應(yīng)鏈金融平臺“路信云”。平臺依托大數(shù)據(jù)等金融科技手段,對接集團ERP、招采等業(yè)務(wù)系統(tǒng),并牽引路橋集團上游供應(yīng)商及集團合作金融機構(gòu)入駐?;诼窐蚣瘓F與上游供應(yīng)商的真實貿(mào)易產(chǎn)生的各項交易背景數(shù)據(jù),結(jié)合內(nèi)嵌的多種定制化風(fēng)控模型,聯(lián)合金融機構(gòu)為路橋集團上游供應(yīng)商提供供應(yīng)鏈金融服務(wù),切實解決上游供應(yīng)商融資難、融資貴問題。