央行金融科技监管沙盒透露风向 汽车、电力成供应链融资数字化“试验田”

JINRONGKEJIKUAISUDIEDAI,JIANGUANKEJIYEZAIHUOSUSHENGJI。

JINRONGKEJIKUAISUDIEDAI,JIANGUANKEJIYEZAIHUOSUSHENGJI。

2020年12月31日,人民银行上海总部官网显示,上海金融科技创新监管试点工作组对外公示上海市第二批5个创新应用。2020年12月25日,人民银行北京营管部对外公示北京金融科技创新监管试点第三批应用。上海市第二批创新应用聚焦于多方安全计算、音视频、图像识别等新兴前沿技术,创新智慧金融ope体育电竞官方网站与服务,而北京金融科技创新监管试点第三批应用主要聚焦物联网、大数据、区块链、API等前沿技术,涵盖汽车、电力等多个行业应用场景。

至此,自北京在2020年1月公布第一批试点项目启动以来,全国范围内共有约70个金融科技创新应用对外公示,北京、上海、深圳、雄安新区、重庆、苏州、杭州、广州、成都等9个地区,银行、清算支付ope体育电竞官方网站、金融科技企业等主体广泛参与。据记者不完全统计,在70个已公示的项目中,涉及供应链金融、产业金融的项目已不少于10个,但此前几乎均未明确行业“试验”对象。而在人民银行北京营管部最新公布的第三批项目名单中,汽车、电力作为重要的行业场景出现了。

供应链融资数字化落地场景

FUGAIQICHEXINGYEDEJINRONGKEJICHUANGXINSHIDIANXIANGMULAIZIMINSHENGYINXINGHEBEIJINGYIFENGJINKERUANJIANYOUXIANopeTIYUDIANJINGGUANFANGWANGZHAN(YIXIAJIANCHENG“BEIJINGYIFENG”),JUQIPILUDEXIANGMUSHUOMINGSHU,JIANGZHUYAOYIDONGFENGSHANGWUCHEYOUXIANopeTIYUDIANJINGGUANFANGWANGZHAN、SHAMENJINLONGLIANHEQICHEGONGYEYOUXIANopeTIYUDIANJINGGUANFANGWANGZHANWEIHEXINQIYE,FAZHANQIQICHEPEIJIANSHANGXIAYOUCHANYELIAN,DUICHANYELIANSHANGQIYEJINXINGSHUZIHUASHENGJI,TIGONGZHONGXIAOQIYEDESHENGCHANJINGYINGHEZHILISHUIPING,BIANYUWEIGENGDUOZHONGXIAOSHITIQIYETIGONGPUHUIJINRONGFUWU。

电力行业的项目则来自平安银行北京分行和北京融和云链科技有限ope体育电竞官方网站(以下简称“融合云链”),该项目将综合运用区块链、人工智能、电子签名等技术构建国家电投供应链金融平台,将核心国企(国家电投控股机构)上游供应商(产业链属中小微企业)的应收账款转化数字债权凭证,并支持其在平台上进行流转、拆分。

艾瑞咨询在其发布的《2020年中国金融科技行业发展研究报告》中指出,银行作为供应链金融的关键参与方,通过提供保理、融资与借贷等各类金融服务助力中小企业发展,现阶段供应链金融主要面临的问题有:核心企业信用只能传递至一级供应商,其他供应商无法利用核心企业信用进行供应链融资,造成应收账款融资渗透率较低;企业间系统不互通形成信息孤岛(四流难合一),增加资方(银行为主)获取信息成本,风控难度提升,融资难度增加;贸易信息主要依靠纸质单据传递,容易出现出现仓单、票据造假等情况;单凭合同约束,融资企业的资金使用及还款情况不可控,会出现融资企业贷款资金被挪为他用、故意拖欠及违约等情况。

对于银行来说,采用物联网技术、区块链技术破解企业“信息孤岛”,降低信息获取成本,正在成为新的产业金融发力点。

民生银行和北京逸风在项目说明书中表示,基于物联网、机器视觉等技术,在获得企业授权的前提下,合法合规地全方位采集企业生产经营相关的物联网信息(包括车间生产视频、仓储物流视频、水电能耗、温湿度情况等),同时通过5G技术传输平台,从与企业资源计划系统(ERP)和生产过程执行管理系统(MES)中采集的企业生产经营信息进行交叉验真,提升民生银行对中小企业生产经营真实性的识别能力和效率。

PINGANYINXINGBEIFENHERONGHEYUNLIANDEXIANGMUSHUOMINGSHUZHONGZHUYAOTIJILEGUANGXUEZIFUSHIBIE(OCR)JISHU、ZIRANYUYANCHULI(NLP)JISHUDENG,CHENGYUCHUANTONGGONGYINGLIANJINRONGXIANGBI,TONGGUOQUKUAILIANJISHUDAJIANKEXINLIANMENGLIAN,JIANGQIYEMAOYIBEIJINGZILIAO、SHUZIZHAIQUANPINGZHENGDENGSHANGLIANCUNZHENG,YOUXIAOBAOZHANGSHUZIZHAIQUANPINGZHENGZHUJILIUZHUANDEZHENSHIXING。YEWUXIAOLVFANGMIAN。“CHUANTONGGONGYINGLIANJINRONGMOSHIZHONG,HETONG、FAPIAODENGMAOYIBEIJINGZILIAO,JUNXUYAOZAIXIANSHOUGONGLURUBINGHEYAN。BENXIANGMULIYONGRENGONGZHINENGJISHUZIDONGSHIBIEMAOYIBEIJINGGUANJIANXINXIBINGXINGCHENGFENXIBAOGAO,JINXINGZHENSHIXINGBIDUI,XIANZHUTIGAOLESHENHEDEZHUNQUELVYUYEWUCHULIXIAOLV。”

BEIJINGYIJIACHANYELIANSHUZIGAIZAOFUWUSHANGRENSHIDUIJIZHEBIAOSHI,QICHEHEDIANLIXINGYEYIJINGXINGCHENGLEWANZHENGCHENGSHUDEGONGYESHENGCHANLIAN,CHANYEJICHUSHESHIWANSHAN,SHUZIHUAGAIZAONANDUXIANGDUIJIAODI,YINXINGXUANZEZHEILIANGGEXINGYESHIDIANJINRONGKEJICHUANGXINXIANGMU,YOULIYUJIAOKUAIDEPUKAIJISHU,SHANGGUIMO。

JUXIANGMUSHUOMINGSHU,MINSHENGYINXINGHEBEIJINGYIFENGDEXIANGMUYUJISHEJIDONGFENGSHANGYONGCHE、SHAMENJINLONGLIANHEQICHESHANGXIAYOUGONGYINGSHANG1000JIAQIYEKEHU。PINGANYINXINGBEIFENHERONGHEYUNLIANDEXIANGMUYUJISHIYUNXINGQIJIANKEFUWUYU400JIAHEXINQIYEYIJI800JIAGONGYINGSHANG,LEIJIJIAOYIGUIMO(PINGZHENGQIANFA、ZHUANRANGYIJIRONGZIGUIMO)YUE50YIYUAN。

线上线下投入仍需融合

ZHONGGUORENMINYINXING2020NIAN12YUE31RIFABUDE《ZHONGGUORENMINYINXINGXINGZHANGYIGANGXINNIANZHICI》ZHONGTOULU,YINXINGYILEIJIWANCHENGDUI6WANDUOYIYUANDAIKUANDEYANQIHAIBENFUXI,LEIJIFAFANG3WANDUOYIYUANPUHUIXIAOWEIXINYONGDAIKUAN,ZHICHI3000YUWANHUJINGYINGZHUTI,SHIXIAN1.5WANYIYUANJINRONGXITONGXIANGSHITIJINGJIRANGLIMUBIAO。

ZAIZHICHIXIAOWEIXINDAIFANGMIAN,GONGYINGLIANJINRONGSHIYINXINGZHONGYAODEFALIFANGXIANG,YESHOUDAOLEZHENGCEGULI。2020NIAN9YUE22RI,YANGXINGHUITONGGONGYEHEXINXIHUABU、SIFABU、SHANGWUBU、GUOZIWEI、SHICHANGJIANGUANZONGJU、YINBAOJIANHUI、WAIHUIJUCHUTAILE《GUANYUGUIFANFAZHANGONGYINGLIANJINRONG ZHICHIGONGYINGLIANCHANYELIANWENDINGXUNHUANHEYOUHUASHENGJIDEYIJIAN》,QIZHONGTICHU,JINRONGJIGOUYINGQIESHIYINGYONGKEJISHOUDUANTIGAOFENGXIANKONGZHISHUIPING,YUHEXINQIYEJICANGCHU、WULIU、YUNSHUDENGHUANJIEDEGUANLIXITONGSHIXIANXINXIHULIANHUTONG,JISHIHEYANCUNHUO、CANGDAN、DINGDANDEZHENSHIXINGHEYOUXIAOXING。JINRONGJIGOU、HEXINQIYE、CANGCHUJIWULIUQIYE、KEJIPINGTAIYINGJUJIAOZHUYE,LIZUYUGEZIZHUANYEYOUSHIHESHICHANGDINGWEI,JIAQIANGGONGXIANGYUHEZUO,SHENHUAXINXIXIETONGXIAOYINGHEKEJIFUNENG,TUIDONGGONGYINGLIANJINRONGCHANGJINGHUAHESHENGTAIHUA,TIGAOXIANSHANGHUAHESHUZIHUASHUIPING。

一位第三方金融科技企业人士表示,当下零售消费信贷已经红海竞争,且受到政策收紧的影响,未来发展空间有限。对企业端的金融服务数字化进程还处在起步阶段,与互联网+平台相比,银行服务企业的经验更充分,也更有优势,应抓住时机打造服务企业、产业的数字化金融能力。

苏宁金融研究院副院长薛洪言在2020年12月举办的第六届金融年会论坛环节上表示,普惠型小微贷款要实现科技驱动的前提是有更多的数据作为支撑,依托于产业的互联网+和数字经济的发展,只有在产业逐渐的数字化中体现更多的数据,小微贷款金融才能取得长足的进展,金融机构与互联网+产业的发展是循序渐进的过程。

WAJUECHANYEZHONGDESHUJU,JINRONGJIGOUYICHENGXIANDUOGUANQIXIADETAISHI。

RENMINYINXINGBEIJINGYINGGUANBUGONGBUDEDISANPIJINRONGKEJICHUANGXINSHIDIANZHONG,CHUSHANGSHULIANGGEXIANGMUWAI,HAIYOUGUANGDAYINXINGDE“GUANGXINTONG”QUKUAILIANCHANYEJINRONGFUWUXIANGMU,CHENGQIJIANGLIYONGDASHUJUJIZHISHITUPUJISHUDAJIANFENGKONGMOXING,DUILIANSHANGQIYEXINXI(RUDINGDAN、YUNDAN、XIAOSHOULIANG、CAIWUDENGYEWUSHUJU,YIJISHUIWU、GONGSHANG、SIFADENGZHENGWUSHUJU)JINXINGDUOWEIDUJIAOCHAYANZHENG,ZENGQIANGFENGKONGMOXINGSHUCHUJIEGUODEZHUNQUEXING。ZHEIYIXIANGMUYUQIGUIMOKEFUWU50HUYOUZHIHEXINQIYE,QIANFA“GUANGXINTONG”EDU500YIYUAN,FAFANGRONGZI200YIYUAN。

NONGYEYINXINGDE“LIANJIEDAI”opeTIYUDIANJINGGUANFANGWANGZHANXIANGMU,TONGGUODUIJIEHEXINQIYEERPXITONG、DIANSHANGPINGTAIHEGONGYINGLIANJINRONGFUWUPINGTAI(eZHANGTONG)DENG,JIANGXINGNEIWAISHUJUJINXINGLIANHEJIANMO,TIGAOQIYEXINYONGFENGXIANFANGKONGXIAOLVHEJINGDU,TISHENGNONGYEYINXINGZHENGTIDEFENGKONGNENGLI。YUQIGUIMODAO2021NIANMO,“LIANJIEDAI”HEZUOHEXINQIYEDA500JIA,RONGZISHANGXIAYOUQIYEDADAO15000JIA,RONGZIYUEBUDIYU300YIJIA。

ZAIZHEIXIEXIANGMUSHUOMINGSHUZHONGCHUXIANDEWULIANWANG、ZHISHITUPU、LIANMENGLIAN、BIANYUANJISUAN、LIANHEJIANMODENGJISHU,JIANGBANGZHUYINXINGYIFANGMIANKUOZHANCHANYE、QIYEDESHUJULAIYUAN,BINGZAIBAOZHENGSHUJUANQUAN、YINSIDEQIANTIXIATIGAOYINXINGHEYANXINXIDENENGLIYUXIAOLV。DANZHENGRUYINXINGSUOQIANGDIAODE,ZAIXINXISHANGLIANZHIQIAN,YIRANLIBUKAIRENGONGSHENHESHUJUZHENSHIXINGDEHUANJIE。

“JIYUYINGSHOUZHANGKUANDENGJINXINGRONGZI,KENENGCUNZAIXUJIAJIAOYI、ZHONGFURONGZIFENGXIAN,LIRUQIYEYUGONGYINGSHANGHUXIANGCHUANTONG、WEIZAOJIAOYIPINGJU,XUGOUYINGSHOUZHANGKUANJINXINGRONGZI。FANGFANCUOSHI:YANGEJIAOYIZHENSHIXINGSHENHE,FANGFANXUZENGXUGOUYINGSHOUZHANGKUANJIZHONGFUDIYAZHIYAXINGWEI。QIYEZAIJINXINGYINGSHOUZHANGKUANRONGZISHIXUYAOTIJIAOXIANGGUANHETONGPINGZHENGJIZHIFUPINGZHENGZHIYINXINGRONGZIXITONGZHONG,YINXINGPAIZHUANRENHESHIJIAOYIXINXISHIFOUSHUSHI,TONGSHITONGGUOQUKUAILIANDUIQIYEXINGWEIJINXINGCUNZHENG,YIDANFAXIANXUJIAJIAOYIXINGWEI,JIANGLIERUHEIMINGDAN。ZAIRONGZIHUANJIE,DENGLUZHONGGUORENMINYINXINGZHENGXINZHONGXINDONGCHANRONGZITONGYIDENGJIGONGSHIXITONGWANCHENGZHAIQUANXINXIDENGJI,BINGYOUZHUANRENJINXINGHECHA,QUEBAORONGZIDANBAODEYOUXIAOXING。”DUOJIAYINXINGDEXIANGMUSHUOMINGSHUZHONG,DUIXIANGGUANFENGXIANDIANDETISHIDOUYOULEISISHUOMING。

AIRUIZIXUNDESHANGSHUBAOGAOTICHU,ZHENGTILAIKAN,JINGONGYINGLIANJINRONGZHEIYICHANGJING,2025NIANLIANSHANGLIUZHUANZICHANJIAZHIJIKEDADAOYUE7.1WANYIYUAN。QUKUAILIANGOUJIANDEKEXINHULIANWANGJIANGZAIYINXINGDEZHUDUOYEWUZHONGFAHUIZHONGYAOJIAZHI,YOUQIDUIYUQIYEJIEDAIYURONGZICHANGJING,TONGGUODAPOCHUANTONGSHOUXINMOSHIPINGJINGYIJICHUANGXINYEWUMOSHI,JINERSHIFANGJIAODAJISHUXIAONENG。



立即QQ咨询   在线提交咨询问题

微信公众号 onenightwondersband.com,微信扫码关注

WORK WITH US

预约咨询服务

YOUGUANLIWENTI,ZHONGGUOZHAOGUANLIZIXUNPINGTAI!

TIGONGQIYEZHANLVEGUIHUA、RENLIZIYUAN、XINXIGUIHUA、XINGYEYANJIU、SHANGYEJIHUA、QIYEZHUSHOUYIZHANSHIFUWU!.

现在就预约咨询服务

填写一下,我们帮您解决问题

可以QQ联系: 896161733;也可以电话: 18121118831

相关服务

创新服务

商业计划书

云微咨询

商业计划书是一份全方位的项目计划,它从企业内部的人员、制度、管理以及企业的ope体育电竞官方网站、营销、市场等各个方面对即将展开的商业项目进行可行性分析。

点击查看详细

创业网站制作

云微咨询

YIBANQIYEWANGZHANHEZHONGDAXINGB2B、B2CWANGZHANCEHUAZHIZUO,MANZUCHUANGYEXINGopeTIYUDIANJINGGUANFANGWANGZHANDAOYIBANJITUANopeTIYUDIANJINGGUANFANGWANGZHANQIYEXINGXIANG、DIANZISHANGWU、DIANZIZHIFUHEDINGDANGUANLIXUQIU…

点击查看详细

决策咨询

云微咨询

YITUOQIXINXIZIYUANYOUSHIHEZHUANYEDEYANJIUZIXUNTUANDUI,JIEHEDUONIANJILEIDEPANGDASHUJUKUZIYUANHEZAIJINGJIXINGYEFENXI、ZHANLVEGUIHUAHEQIYEGUANLIDENGLINGYUJILEIDEFENGFUJINGYAN,...

点击查看

研究报告

云微咨询

XINGYEBAOGAO、JINGZHENGDUISHOUYANJIUBAOGAO、QIYEANLI,YIZHANGAODING

点击查看详细

中国管理咨询网服务客户

真诚合作
brands-small4
brands-small3
brands-small2
brands-small1
brands-small4
brands-small3
brands-small2
brands-small1