Finance
The Industrial Finance Integrated Service Platform is a digital online intelligent financial service platform created by Beiming Software with its accumulated experience in the financial industry, especially in the field of supply chain. The platform covers a variety of business models such as loans, financial leasing, financing guarantees, factoring, electronic payment receipts, and bill financing in terms of business functions. From customer application to loan processing, all online operations, process approval, and contract templates are automated to maximize efficiency, standardize, scientifically, informatize the financial business of the industrial chain, and achieve financial capacity coverage across the entire industrial chain and business life cycle. Through the design of online, digital, and intelligent system functions, we can improve customer business efficiency, reduce business risks, and help business development.
1. Consolidation of group businesses The platform consolidates the business around different product categories from the perspective of the overall operation of a group, breaking down the information and process barriers of different business lines. In the process of system construction, data sharing, product correlation, and process integration of various financial products are realized.
2. Support for multi-financial products Aiming at the problem that different products carried out in the credit/credit-like have differences in business processes, approval authority, accounting rules, etc., the platform systematically realizes the integration support of multi-financing products, multi-business models, and multi-channel management.
3. The unified middle platform capability The system carries out business in different entities and financial products at the same time, builds a unified middle platform capability at the group platform level, realizes the interoperability of customer data and the sharing of middle platform capabilities, and refines the middle platform capabilities in risk management, line credit, customer awareness, contract management, accounting, and other modules, and shares them globally.
4. The deep integration of industry and finance The platform is ecologically integrated with a group's industrial ecology and key industry enterprises in the region, and platform-based financial services are realized on the industrial chain, transaction scenarios, industrial Internet, and other Internet bases. The industrial chain data and external data are connected, and financial services are embedded in the transaction scenarios of the industrial ecology.
In the new-generation industrial finance platform architecture, a dedicated AI capability layer is established, integrating various AI capability modules, including OCR and printed-text OCR analysis for standardized documents such as identity cards and business licenses; intelligent identity verification for both enterprises and individuals; intelligent speech and semantic analysis; machine learning; large-scale models; the Internet of Things (IoT); risk decision modeling; neural networks; and knowledge graphs. Through the development of these AI capabilities and the integration of external resources, support is provided for upper-layer industrial applications and financial applications.
The functional architecture of the industrial finance platform is divided, from bottom to top, into the transaction layer, the industrial layer, and the financial services layer. Centered on the industrial layer and around core enterprises, a supply chain business flow and logistics management mechanism radiating upstream and downstream is established. At the transaction layer, with transaction settlement as the focus, thematic management is applied to the capital flows involved in transactions across all segments of the supply chain. The financial services layer integrates information flows across the industrial chain and supply chain, and through data analysis and engagement with transaction scenarios, provides various financial services—including loans, guarantees, factoring, wealth management, transaction settlement, and fund supervision—to core enterprises, upstream and downstream enterprises, and surrounding service providers within the industrial chain.
Through the introduction of AI capabilities, empowerment of industrial finance services can be realized across different layers of the platform, including:
AI industrial chain analysis — by analyzing enterprises’ capital chains, transaction chains, and equity chains within the industrial chain, an industrial analysis graph is established;
AI risk control decision-making — based on enterprise entity data, transaction data, and warehousing and logistics data across the industrial chain, credit risk control models are built to enable automated and intelligent risk decisions for financial services;
AI intelligent verification — through technologies such as OCR, enabling identification of enterprise and individual identities, authenticity verification of invoices and key documents, and cross-verification of trade authenticity;
AI intelligent inventory supervision — in combination with the requirements of financial services, leveraging capabilities such as edge computing and graphics processing to achieve automated monitoring and rights confirmation in warehousing and logistics processes;
AI audio and video risk control — using audio and video methods to provide intelligent support for remote financial services, such as remote identity verification, remote due diligence, dual recording of contracts, and remote post-loan inspections; and
AI financial product matching — automatically matching financial services with different types, tenors, and pricing elements to the characteristics and financial service needs of different customer segments within the industrial chain.
Scenario 1: Full supply chain financial services
The Industrial Finance Integrated Service Platform centers around industrial leading enterprises and targets the upstream and downstream of the supply chain. Relying on trade background data, accounts receivable and sales data, and aided by credit risk evaluation models, it provides business platforms such as supply chain receivables financing, movable asset pledge financing, guaranteed warehouse financing, and future income right financing to realize the online and intelligentization of supply chain financial services.
Scenario 2: The financial group unified business management
The Industrial Finance Integrated Service Platform is aimed at large financial groups with multiple licenses. It realizes unified customer management, credit line management, risk management and accounting management of small loans, factoring, financing guarantees, financial leasing, and other business products, and assists the group to establish an integrated business management platform to achieve unified management and control of information, business processes, financial products, risk strategies, and business ledgers.
Qingdao City Construction Investment Group Internet-based Supply Chain Finance Platform
Hankou Bank Co., Ltd. Bestore Distributor Lending Platform
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