The cooperation between the two sides is mainly aimed at the "cake" of the transformation of small and medium-sized banks. In recent years, faced with the slowdown of bank assets growth, the narrowing of interest margin and the rapid expansion of internet finance, the development dilemma of small and medium-sized banks has gradually emerged, and embracing financial technology for transformation has become its inevitable choice. Liu Shengyu, president of Rongxinyun, said that small and medium-sized banks, such as city commercial banks, rural commercial banks and rural banks, are facing problems such as difficulty in obtaining customers without scenarios, weak products, backward risk control technology, insufficient operational capability and insufficient IT capability.
In response to these "pain points", Shenzhou Information and JD Finance will cooperate comprehensively at the strategic and capital levels, and provide financial technology services for small and medium-sized banks with Rongxinyun Company as the carrier. Services include "IaaS+SaaS+FaaS" comprehensive financial technology services, including system hosting services, online financial business output, product innovation services and other modules to help small and medium-sized banks connect users, expand scenarios, strengthen risk control, operate efficiently, and quickly develop online financial business.
It is understood that at present, Rongxinyun financial technology services can provide three services for small and medium-sized banks, namely, network assets, liabilities and financial markets, and have formed network financial products such as "Lending Bao", "Beijing Small Loan" and "ABS Cloud Factory". Taking the network asset business as an example, using the online lending platform and risk control platform of Rongxinyun financial technology service, small and medium-sized banks can realize scene docking with Jingdong Finance, and get full-process support of users, products, data, risk control and post-lending, so as to meet the needs of online credit business such as consumer finance, supply chain finance, microfinance and rural finance. Especially in terms of risk control, JD Finance integrates its accumulated experience in the development of consumer finance business such as gold bars and white bars, and exports the risk control system, data and model strategies to banks in the form of products, which complements the bank's risk control technology.
Liu Shengyu revealed that Rongxinyun Financial Technology Service currently supports banks to launch online financial services within three months.