Achieve the "zero breakthrough" in the financial application field of trade data assets. Yiwu's first data asset credit loan landed
Publishing Time:2024-07-15 14:54:46Pageviews:64
Recently, Yiwu China Commodity City Internet Financial Information Service Co., LTD. (hereinafter referred to as: Mall Mutual Gold Company) and Industrial and Commercial Bank of China Yiwu Branch, based on "foreign trade data assets" (procurement treasure), for Yiwu Yang Fan Supply Chain Management Co., LTD. (hereinafter referred to as: Yang Fan Company) provided the first "zero" mortgage and "no" guarantee of digital asset credit loan.
According to reports, compared with the traditional credit model, this new model takes data assets as the basis for enterprise credit, combines the main risk control and trade risk control, fully releases the value of data elements, and improves the efficiency of financial resource allocation. Through digital foreign trade and professional risk control mode, the company opens up the connection between bank financial products and enterprises, realizing the "trinity" of business flow, information flow and goods flow, marking that digital trade runs through the whole process of credit review, evaluation and loan, and realizes the "zero breakthrough" in the financial application field of Yiwu trade data assets.
Yang Fan Company focuses on the deep cultivation of Spain, Mexico and other overseas markets, is a typical export-oriented trade enterprise in Yiwu, after a detailed understanding of digital asset credit loans, became "the first person to eat crabs". After receiving the detailed demand of quota, rate, efficiency and other aspects, mall mutual gold company united banks to provide up to 3 million yuan of pure credit loan line for Yang Fan company, and complete the whole process of ordering bank loans on the same day.
Not only that, the Ben financial information service platform operated by the mall Mutual Finance company also provides diversified foreign trade comprehensive services, such as "loan treasure" for customers to advance payment, "insurance insurance" to provide freight security, and will also cooperate with professional financial institutions to provide online exchange settlement and other services. Taking "Loan treasure" as an example, up to now, the mall mutual gold company has provided payment for hundreds of foreign trade companies and merchants, and the cumulative service trade volume has reached 1.904 billion yuan, so far zero bad debts.
The relevant person in charge of the company said that the company will link financial institutions, continue to deepen the application of data assets in the field of financial services, empower Yiwu's new quality productivity, realize the value of digital assets, provide more diversified and personalized financial information services for foreign trade enterprises, and help Yiwu's foreign trade sustainable and healthy development.
(Excerpt: Yiwu Commercial Daily)
—— The content of this article is translated by Al ——