Explore the application scenarios of financial technology externally and cooperate with the parent bank internally.
When the curtain of industrial Internet slowly opens, the question before banks is not "do you want to do it", but "how to do it". Then, after ten years, what position should the banking industry be in the industrial Internet ecology? Many banks are doing their own thinking and layout.
As a "financial technology bank", China Merchants Bank chose to apply financial technology to the industrial interconnection ecology, and built a bank-enterprise scene connection ecology through the output of its financial technology subsidiary Zhao Yinyun.
It is worth noting that recently, in the 20021annual report of China Merchants Bank, the bank first proposed to build an integrated service of "investment and private sector". "Starting from the business logic, we will integrate the scattered advantages of investment banks, private banks, science and technology, and effectively cover customers at different stages, different industries and different characteristics with differentiated and targeted services, forming a unique comprehensive service feature of China Merchants Bank." In its annual report, China Merchants Bank gave its own explanation on the comprehensive service of "investment and private sector".
Obviously, China Merchants Bank Yunchuang, which takes the industrial Internet as the core and exports financial technology capabilities, will play a strategic role in China Merchants Bank's comprehensive service system of "investment, business and private" and feed back the parent bank.
Digitization of enterprise capital flow under the internet of empowerment industry
Capital flow is the blood of individual enterprises and the blood of industrial Internet ecological organisms. Serving the capital flow is a natural advantage of banks. The biggest pain point of industrial ecology comes from the breakpoint in the process of internal and external cooperation, which leads to the information breakpoint of data flow and capital flow and the attenuation of internal and external cooperation efficiency. This is not in line with the essence of the industrial Internet.
The essence of industrial internet is the effective integration of capital flow, information flow, business flow and logistics in the industrial cooperation ecology, and then the new ecology of industrial structure is reshaped, and its foundation is the digitalization and smooth interconnection of capital flow. For CMB Yunchuang, to solve the problem of breakpoints and inefficient capital flow under the industrial Internet, the first thing is to help corporate customers upgrade digital capital flow management.
In fact, CMB Yunchuang has many years of precipitation and low-key cultivation in the field of digital capital flow. Inheriting the ability and genes of China Merchants Bank in fund management and inter-bank settlement for more than ten years, CMB Yunchuang cooperated with its parent bank to develop and operate two fund management products, CBS and TMS. He has accumulated rich experience in scenario-based technological innovation and corporate customer consulting services, and has a deep understanding of the scenario and a deep insight into the needs of corporate capital flow management. 202 1, zhaoyin yunchuang upgraded to create "get" with the concept of excellent shopkeeper, and further marched into the field of enterprise shopkeeper management. At this point, CMB Yunchuang has formed three digital product systems: GET, SCO and MAP, and has become a digital service provider of enterprise capital flow with independent product systems and service capabilities.
Building digital trust between banks and enterprises to help Internet cooperation between banks and enterprises.
From the perspective of the integration of production and operation, under the traditional credit mechanism, because banks can't know the real operating conditions of enterprises, they can only evaluate their repayment ability and willingness based on their financial statements, qualifications and other main credits, so they are always faced with the problems of "dare not lend" and "uncontrollable risks". The strong financing needs of enterprises cannot be effectively met, and the trust relationship between banks and enterprises is fragile.
"How to make financial services better support the development of enterprises and let funds drip into the enterprise scene accurately?" This is a worldwide problem.
Enterprise capital flow is the core of cooperation between enterprises and between enterprises and banks, especially the high-frequency expense scene capital flow, which can best reflect the real operating state of enterprises. It is considered to be an effective way to solve the above problems by building a smooth data bridge of capital flow between banks and enterprises, reflecting the panorama of enterprise capital flow in real time and in multiple dimensions based on actual scenes, providing strong support for bank risk control model and enterprise management decision-making, and building a digital trust mechanism between banks and enterprises, and finally achieving a win-win situation.
It is this road that Zhaoyinyun has taken, that is, it has become a "bank-enterprise scene connection platform". By providing enterprise-level customers with digital solutions and services for the whole chain of capital flow management, we can empower enterprises to digitally transform, break through the barriers of integration of industry and finance, build a new ecology of cooperation between banks and enterprises, and promote the continuous progress of the industry.