Since 2013 Officially in China Put forward the concept of "developing inclusive benefits" Since "Finance", China Inclusive Finance has achieved rapid growth in quantity and effective improvement in quality. A few days ago, center Clarified in the financial work meeting Put forward that we should do a good job including "inclusive Five major articles, including "finance", once again reflect the importance of The importance and expectation of financial services.
As a supply chain technology with "inclusive" gene flat Taiwan, Shengye (6069. HK) More inclusive finance "for enterprises Mission, deeply integrate into the industrial supply chain ecology of core enterprises, and enable digital technology Finance, building a "bridge" between industry and finance, and promoting forward factoring business Micro enterprise financing opens up the "last mile".
As of December 31, 2023, Shengye flat The total amount of supply chain assets handled by each unit exceeds 190 billion yuan the people Yuan, an increase of about 21% over the same period last year. flat The cumulative number of customers in Taiwan exceeded 15000, an increase of about 20% over the same period last year. Among them, small and medium-sized The number of micro customers accounts for about 98%. The scale of forward factoring business accounts for more than 96%.
Improve the first loan rate for small and medium-sized Micro "timely help"
tradition Financial institutions tend to "make things better", while Shengye focuses on "providing timely help". Due to small and medium-sized Micro enterprise financing generally has the problem of "lack of mortgage, report and credit" It is difficult for financial institutions to complete enterprise credit evaluation quickly, accurately and cheaply, and the first loan service provided will also face higher costs and greater risks. According to the Development of Small and Medium sized Enterprises previously released by the All China Federation of Industry and Commerce The survey report shows that more than 90% of the private SMEs interviewed Micro enterprises can't follow the traditional Financial institutions obtain financing.
For small and medium-sized The pain point of difficult and expensive financing for micro enterprises is Shengye's "focus on The risk control logic and business model of "transaction light subject", through cooperation with ecological partners, give full play to flat The ability to link platforms and focus on integrating industrial ecological data and third parties flat Taiwan data, public credit information flat Taiwan data, etc., understand small and medium-sized from the "side" Production and operation of micro enterprises to help small and medium-sized enterprises Micro enterprise establishment Transaction portraits and digital credit break through the dependence on the confirmation and guarantee of core enterprises, and constantly improve the availability of supply chain inclusive financing Sex.
"First loan account" as a measure of inclusive Financial effectiveness Key indicators. As of December 31, 2023, Shengye's supply chain Financial services have covered 31 provinces/autonomous regions/municipalities directly under the Central Government, flat There are more than 15000 customers in total. In 2023, Shengye will serve small and medium-sized enterprises More than 30% of micro customers are not interested in Small and medium-sized "white credit" financial institutions that have applied for enterprise financing services Microenterprise Average single loan size is about 1.97 million yuan the people Currency. It is worth noting that with the advent of the Spring Festival Near, medium and small Micro enterprises enter the peak period of capital demand. Shengye also launched the "50 days of hard work and inclusive benefits to help small and medium-sized enterprises Micro "sprint action, the accumulated benefits provided at present Financial support has exceeded 3.5 billion yuan the people Currency, medium and small The proportion of first loan households of micro enterprises increased to 50%, further expanding inclusive Financial coverage.
Technology empowerment Finance, helping small and medium-sized enterprises Slightly "climbing over the bank"
middle-sized and small The "first loan difficulty" of micro enterprises is mainly due to information asymmetry. Take a reinforcement supplier in Shenzhen as an example. The supplier has only been established for 2 years and has been in the Advance operation, temporary In the near Spring Festival, we should also deal with the settlement and repayment of machinery leasing, labor subcontracting, material procurement and other projects. As a "first loan" enterprise, the supplier is difficult to obtain liquidity support under the traditional credit model because of "less credit investigation, difficult assessment" and "no mortgage, high risk". However, based on the docking with the procurement system of infrastructure core enterprises, Shengye can verify the supplier's Transaction authenticity Sex and rationality And the supplier's Transaction data is converted into credit to provide customized supply chain benefits Financial services to solve the urgent problem of capital turnover.
Shengye breaks through information barriers through industrial Internet layout, and deeply digs the value of industrial data enabling figures Finance, focusing on different stages of the full settlement process of the supply chain, innovatively provides a variety of financing services such as bid bond factoring, order factoring, arrival factoring, receivable factoring, bill pledge factoring, and buyer confirmation factoring to meet the needs of small and medium-sized enterprises Micro enterprises in various The fund demand of the transaction node. The above suppliers through Shengyitongyun independently developed by Shengye flat Platform, only need to submit enterprise basic data and projects online Transaction data, including contracts, orders Invoices, acceptance documents, etc., can be applied for factoring of accounts receivable, and financing funds can be received on the same day. Through the cooperation with Shengye, the supplier has not only done a good job in ensuring the payment of wages and bonuses for construction workers in advance, but also made preparations for the key projects in the first quarter to "seize the construction period and progress".
Online whole process, the fastest day Loan...... Behind this is Shengye's use of big data, Internet of Things, artificial intelligence and other emerging technologies to Changes in financial models. From the current point of view, digital technology plays an increasingly important role in Shengye's support for "first loan households". In the credit link, Shengye applies the intelligent risk control model driven by industrial data to achieve automatic approval of customer credit; In the risk control link, Shengye has built a big data risk early warning system to realize the refined management of risk early warning; In terms of business management, Shengye broke the tradition The business time limit of financial institutions enables 7 × 24 hours of customer service. The credit access, credit approval, financing application, agreement signing, financing payment, post loan management and other processes are all online operations.
By virtue of inclusive Outstanding performance in finance, Shengye has obtained an ESG rating of A from MSCI, which is domestic Leading rating in the financial industry, ranking among the world's leading peers Ping. At the same time Recently, Shengye won the global ESG score of S&P for the first time, ranking among the top 26% in the global industry; It was selected into the 2023 Bloomberg Green Gold ESG 50 list and won the annual enterprise of concern award.
