Beijing Financial Holding Group (hereinafter referred to as "Beijing Financial Holding Group"), which was established less than half a year ago, recently launched its first big move. On February 28th, at the Beijing Financial Technology Promoting Private Small and Micro Enterprises' Financing Work Conference, Beijing Financial Control Group announced the establishment of the first inclusive financial big data company in China, aiming at solving the financing problems of private and small and micro enterprises.
establishment of Beijing financial big data company
according to public data, Beijing financial control group was one of the first five financial control group supervision pilots, which was established on October 19, 218 and approved on January 24 this year. It is 1% owned by Beijing State-owned Capital Management Center with a registered capital of 12 billion yuan. Fan Wenzhong, former director of China Banking and Insurance Regulatory Commission International Department, served as the legal representative and chairman of the company. In addition, Meng Zhenquan holds the post of director.
Sun Yang, director of the Financial Technology Research Center of Suning Financial Research Institute, also believes that, in terms of data application and operation process, financial big data companies should have data open platforms and data laboratories for external partners to jointly model and test data. At the same time, financial big data companies should provide data verification services for private enterprises and small and micro enterprise customers, through API interaction, input a data and return a verification result. Therefore, basically, the company will provide data services to institutions online.
Committed to solving the problem of micro-finance
In fact, as the first show since the establishment of Beijing Jinkong Group, the action of setting up an inclusive financial big data company has already begun. In January this year, Fan Wenzhong said in an interview with the media that a financial service platform for small and micro enterprises will be launched in the near future to solve the problem of small and micro financing.
With regard to the current financing problems of private small and micro enterprises, Fan Wenzhong pointed out at the symposium on promoting the financing of private, small and micro enterprises in Beijing on February 22nd that due to the high credit risk, the standardization of small and micro enterprises' operation is relatively poor, with obvious characteristics of light assets and lack of collateral. At the same time, the transaction cost is high, the single financing scale of small and micro enterprises is small, and the contribution to the profits of financial institutions is low, but the labor cost and operating cost paid by financial institutions are almost the same as that of issuing a large-scale loan; In addition, the service efficiency is low, and the credit approval procedures in the traditional mode are many and the cycle is long, which does not match the demand characteristics of small and micro enterprises' credit scale and fast speed.
For the above problems, Fan Wenzhong said that Beijing Financial Holdings Group will rely on Beijing Financial Big Data Company to solve the problem of information asymmetry, and promote the platform construction in many aspects, such as improving the credit information collection, evaluation and application mechanism of small and micro enterprises, improving the efficiency of financing guarantee system and making full use of new opportunities of financial technology innovation. At the same time, in order to achieve a wider coverage of financing for private and small and micro enterprises in the city, lower financing transaction costs and stronger risk management and control capabilities, financial big data is the core technology to reduce financing costs and support private small and micro enterprises.
Many factors lead to risks
According to the insiders, there are still some risks that need to be guarded and prevented in the process of financing private and small and micro enterprises. Chen Jianing, a senior researcher at Suning Financial Research Institute, believes that private and small and micro enterprises are greatly affected by macroeconomics. Whether it is growth slowdown, trade war or deleveraging, it will have a major impact on private and small and micro enterprises. It is suggested that in the service process, policies should be flexibly adjusted according to the macroeconomic situation to help enterprises and control market risks.
At the same time, Chen Jianing pointed out that private enterprises and small and micro enterprises have limited credit information and it is difficult to grant credit. Therefore, the establishment of a financial big data platform, combined with upstream and downstream and more data dimensions, to improve the industry's data collection and risk analysis capabilities, is conducive to financial institutions to identify, measure and manage the risks of private and small and micro enterprises more efficiently, and provide more considerate services.
Yu Baicheng also said that it is difficult for financial institutions to control corporate risks in the financing of private and small and micro enterprises, which will affect the enthusiasm of financial institutions for such businesses. And the continuous enrichment, perfection and * * * sharing of data is a more effective means to solve this difficulty.
In addition, Chen Jianing also stressed that there are a large number of private enterprises and small and micro enterprises, and it is difficult for financial institutions to connect. By establishing a financial big data platform, private enterprises and small and micro enterprises can be well matched, matched and connected with financial institutions interested in serving private enterprises and small and micro enterprises, so as to realize the optimal allocation of resources.
regarding the next steps to support the development of private, small and micro enterprises and science and technology enterprises, Beijing financial control group said that in the next 3-5 years, based on the construction of a comprehensive financial service platform for small and micro enterprises, it will gradually build financial service facilities such as financial big data, social full credit, aggregate non-inductive payment and innovative asset trading, so as to increase the information transparency of the capital financial system.
This article is from beijing business today
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