Make efforts to digitize the industry, and the nebula open alliance announced 1000-day service 1000 enterprises.

"Taking the manufacturing industry as an example, some small and medium-sized factories and enterprises in the manufacturing field still face problems such as thin profits, low efficiency and backward intelligent means, and there is also information asymmetry in the financing process. In order to solve such problems, Ping An Bank installed an IOT device bracelet for the enterprise's production equipment. After authorization, it realized the real-time collection of equipment current, positioning and other operational data, and collected them uniformly and returned them to the Nebula Internet of Things platform. According to these data, Ping An Bank can help enterprises understand the running trends of their own equipment, optimize the production arrangement of orders and reduce equipment loss. At the same time, Internet of Things data can help enterprises conditionally increase their credit and make it easier to obtain bank loans. " On May 18, the 2022 Nebula Open Alliance Conference hosted by Ping An Bank was held in Shenzhen. In an interview after the meeting, Li Yue, corporate business director of Ping An Bank Head Office, president of transaction banking division and secretary-general of innovation committee, said that the above-mentioned manufacturing cases are only typical cases of digital technology improving financial services to the real economy.

In his view, through the digital transformation of service enterprises, banks can better serve the real economy, while open banks can better provide financial services to the real enterprises by striving to digitize the industry and open platforms for industry customers and partners.

On May 18, the 2022 Nebula Open Alliance Conference hosted by Ping An Bank was held in Shenzhen.

Build a more open cooperation platform

Build a * * * building, * * live, * * * win ecology.

"During the epidemic, due to the start of the business cycle and industry restrictions, the entire industrial chain has experienced financial anxiety. On the one hand, some business owners are afraid to invest and wait and see carefully; On the other hand, due to the lack of liquidity, enterprises have to slow down the pace of development and it is difficult to get effective financial support. " Xu Yang, senior vice president of UFIDA, described the impact of the epidemic on the industrial chain.

Some core enterprises are also impacted and influenced by the upstream and downstream industrial chain problems. How to quickly activate these core enterprises and make them develop upstream and downstream industrial chains is a problem that UFIDA has been thinking about.

At this time, Ping An Bank, based on its own open banking platform, customized the "data+credit" model by calling the high-quality core enterprise operation data authorized by customers and the order, ERP and settlement data of the upstream and downstream SMEs of the core enterprises, and created customized financial products to serve SMEs, thus solving the financing difficulties and expensive problems of the upstream and downstream SMEs in the industrial chain in one fell swoop.

This is a real case that the research group of Nanfang Daily learned when it entered Ping An Bank a year ago. Since the outbreak, Ping An Bank has adhered to the empowerment of science and technology, and has formed two major achievements: the digital service innovation model and the one-stop financial service for small and medium-sized enterprises, which have contributed positive financial strength to serving the real economy. Ping An Bank and UFIDA Network * * * build a scene ecological empowerment industry, which is just a typical case that Ping An Bank and its partner * * * jointly create a new situation of integration of industry and finance.

In recent years, financial institutions, including banks, began to try to use emerging technologies to empower supply chain financial services, which improved their usability and inclusiveness, and also explored a large number of replicable scenario application cases. Among them, Ping An Bank, Zhongqi Lianyun (Tianjin) Financial Services Co., Ltd. and Jianhui Information Technology (Guangzhou) Co., Ltd. respectively introduced their latest products and innovative solutions in the field of supply chain financial services.

Li Yue said in the keynote speech "Open-driven development cooperation * * * wins the future" that the development from an open bank to an open alliance represents the staged achievements made by Ping An Bank in promoting the ecological construction of an open bank in the past few years, and reflects its determination to build a more standardized, deeper and more open cooperation platform.

Taking supply chain, platform economy and PE/VC ecology as examples, Li Yue shared the financial service model and existing cooperation scale of Xingyun Open Alliance in these three scenarios. "In the future, we look forward to working with our partners to achieve * * * construction, * * * life and * * * win-win." Li Yue said that Nebula Open Alliance will continue to embrace five categories of customers, establish close ties with 1 1,000 partners within 1 1,000 days, and finally serve 1 1,000 corporate customers.

Digital technology promotes the "double-light" transformation of public services, and the future space is huge.

In his view, "double lightness" determines what kind of business banks choose to do, and the characteristics of such businesses determine that banks need to embrace digitalization. How can banks go into battle lightly? One of them is that assets can flow quickly. "Take ABS as an example. Behind the data is the asset itself. Investors who buy assets decide whether to buy or not according to the data behind the assets. Assets with sufficient data have high credibility and faster circulation. "

There is also a "light", that is, the management of the whole team is relatively light. One of the main measures for banks to control the cost of corporate business is to improve the per capita production capacity through technical means. "Why do we want to make an open alliance? To put it bluntly, it is to let data run more through technical means and let operators run less. In this sense, it is' light'. By being light, the cost is saved and the risk is reduced. In the end, these can feed back the entity. "

In Li Yue's view, digital technology has greatly improved public utilities. On the one hand, the essence of banks is the service industry, and it is worth exploring to cooperate with industrial internet platforms and enterprises in various industries to serve customers. On the other hand, banking services do not necessarily follow the traditional credit cut-in model, but can also be digital services such as payment and settlement services and the Internet of Things. Under the premise of authorization, master the capital flow and information flow of platforms and platform merchants, and provide more available and accessible financial services. "As long as the whole industry is still in the process of digital upgrading, our service space is still relatively large."

In addition, traditional businesses also have room to be tapped through digital empowerment. For example, standard financial products such as bill business have a lot of room if they cooperate with some core supply chain platforms through open banks. "So I personally think that there is a lot of digital space for customers and industries. Second, some of our traditional businesses can improve efficiency through digitalization, and there is also a lot of room for further exploration inside. " Li Yue said.

Author Tan Bingmei

From Southern Plus Client of Southern Newspaper Media Group